# Is Monday 3 January 2028 a CHAPS business day?

No: Monday 3 January 2028 is not a CHAPS business day, because CHAPS is closed for New Year's Day (Substitute day), according to GOV.UK (Government Digital Service); CHAPS reopens on Tuesday 4 January 2028 at 06:00 Europe/London (Zeitwide release 2026.11.04.1).

## 28 days of CHAPS around Mon 3 Jan 2028

CHAPS, Mon 27 Dec 2027 to Sun 23 Jan 2028

| Date | CHAPS |
| --- | --- |
| [Mon 27 Dec 2027](https://zeitwide.com/calendars/GB-CHAPS/2027-12-27) | CHAPS closed Mon 27 Dec 2027: Christmas Day (Substitute day) |
| [Tue 28 Dec 2027](https://zeitwide.com/calendars/GB-CHAPS/2027-12-28) | CHAPS closed Tue 28 Dec 2027: Boxing Day (Substitute day) |
| [Wed 29 Dec 2027](https://zeitwide.com/calendars/GB-CHAPS/2027-12-29) | CHAPS open Wed 29 Dec 2027 |
| [Thu 30 Dec 2027](https://zeitwide.com/calendars/GB-CHAPS/2027-12-30) | CHAPS open Thu 30 Dec 2027 |
| [Fri 31 Dec 2027](https://zeitwide.com/calendars/GB-CHAPS/2027-12-31) | CHAPS open Fri 31 Dec 2027 |
| [Sat 1 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-01) | CHAPS closed for the weekend Sat 1 Jan 2028 |
| [Sun 2 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-02) | CHAPS closed for the weekend Sun 2 Jan 2028 |
| [Mon 3 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-03) | CHAPS closed Mon 3 Jan 2028: New Year's Day (Substitute day) (this date) |
| [Tue 4 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-04) | CHAPS open Tue 4 Jan 2028 |
| [Wed 5 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-05) | CHAPS open Wed 5 Jan 2028 |
| [Thu 6 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-06) | CHAPS open Thu 6 Jan 2028 |
| [Fri 7 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-07) | CHAPS open Fri 7 Jan 2028 |
| [Sat 8 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-08) | CHAPS closed for the weekend Sat 8 Jan 2028 |
| [Sun 9 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-09) | CHAPS closed for the weekend Sun 9 Jan 2028 |
| [Mon 10 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-10) | CHAPS open Mon 10 Jan 2028 |
| [Tue 11 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-11) | CHAPS open Tue 11 Jan 2028 |
| [Wed 12 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-12) | CHAPS open Wed 12 Jan 2028 |
| [Thu 13 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-13) | CHAPS open Thu 13 Jan 2028 |
| [Fri 14 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-14) | CHAPS open Fri 14 Jan 2028 |
| [Sat 15 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-15) | CHAPS closed for the weekend Sat 15 Jan 2028 |
| [Sun 16 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-16) | CHAPS closed for the weekend Sun 16 Jan 2028 |
| [Mon 17 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-17) | CHAPS open Mon 17 Jan 2028 |
| [Tue 18 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-18) | CHAPS open Tue 18 Jan 2028 |
| [Wed 19 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-19) | CHAPS open Wed 19 Jan 2028 |
| [Thu 20 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-20) | CHAPS open Thu 20 Jan 2028 |
| [Fri 21 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-21) | CHAPS open Fri 21 Jan 2028 |
| [Sat 22 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-22) | CHAPS closed for the weekend Sat 22 Jan 2028 |
| [Sun 23 Jan 2028](https://zeitwide.com/calendars/GB-CHAPS/2028-01-23) | CHAPS closed for the weekend Sun 23 Jan 2028 |

## Other calendars on Mon 3 Jan 2028

Monday 3 January 2028 on 7 other calendars

| Calendar | Status | Why |
| --- | --- | --- |
| Germany: nationwide public holidays (DE) | No data | Outside this calendar's sources |
| T2 (TARGET RTGS) (EU-T2) | [T2 (TARGET RTGS) open Mon 3 Jan 2028](https://zeitwide.com/calendars/EU-T2/2028-01-03) | Business day |
| England and Wales bank holidays (GB-EAW) | [England and Wales bank holidays closed Mon 3 Jan 2028: New Year's Day (Substitute day)](https://zeitwide.com/calendars/GB-EAW/2028-01-03) | New Year's Day (Substitute day) |
| FedACH Services (US-FEDACH) | [FedACH Services open Mon 3 Jan 2028](https://zeitwide.com/calendars/US-FEDACH/2028-01-03) | Business day |
| US federal holidays (US-FEDERAL) | [US federal holidays open Mon 3 Jan 2028](https://zeitwide.com/calendars/US-FEDERAL/2028-01-03) | Business day |
| FedNow Service (US-FEDNOW) | [FedNow Service open Mon 3 Jan 2028](https://zeitwide.com/calendars/US-FEDNOW/2028-01-03) | Business day |
| Fedwire Funds Service (US-FEDWIRE) | [Fedwire Funds Service open Mon 3 Jan 2028](https://zeitwide.com/calendars/US-FEDWIRE/2028-01-03) | Business day |

## Questions people ask

**When does CHAPS reopen after Monday 3 January 2028?**
CHAPS reopens on Tuesday 4 January 2028 at 06:00 Europe/London.

**What are CHAPS's operating hours?**
CHAPS is open from 06:00 to 18:00 Europe/London on business days.

**Where does this answer come from?**
GOV.UK (Government Digital Service), last read 28 Oct 2026, 15:46 UTC. Zeitwide projected this date from the operator's published rules; the operator has not listed it yet. It is in Zeitwide release 2026.11.04.1.

## Sources

- GOV.UK (Government Digital Service): <https://www.gov.uk/bank-holidays.json> (Read 28 Oct 2026, 15:46 UTC)

Zeitwide release 2026.11.04.1.

CHAPS revision 68, published 3 Nov 2026, 14:20 UTC.

## Cite

Zeitwide (2026). GB-CHAPS on 2028-01-03. Release 2026.11.04.1. https://zeitwide.com/calendars/GB-CHAPS/2028-01-03