Our UK State pensions Late in crediting our bank accounts

[jwest10]

And am sure this has come up before and it seems whenever our State Pension is due, and mine was due 4th July, which of course was a National holiday in the USA ,and yes, DWP use an American bank as an intermediate Why?
When there is a National Holiday in the UK or Thailand it often gets credited to our Thai Bank account the day after.
Not so today and often on the Saturday 5th July it shows as a credit at the ATM,
Anyone else getting vredits too late and surely they can flag when due but perhaps too difficult for them all?

[JAG]

USA is light years behind in banking practices. I too was due to receive on Friday. Normally it appears in my bank at around midday, which suggests that the "Bank run" is conducted between midnight and 1am - 11 hours difference between New York and Thailand. There is no reason whatsoever why the transfer can't be made a couple of hours earlier!

 

And let's not go there as to why the 7th largest economy in the world cannot do it itself!

 

[norsurin]

I know that people from my country get their pension on time every month in their thai bank account 

Sometimes the 20th is on a Sunday or Monday and then they get it on Thursday morning before the weekend.

[billd766]

If the payment due date is at the weekend or on a UK public holiday, my 3 pensions are always paid earlier. I don't think that I have ever been paid late yet.

[jwest10]

10 minutes ago, JAG said:

USA is light years behind in banking practices. I too was due to receive on Friday. Normally it appears in my bank at around midday, which suggests that the "Bank run" is conducted between midnight and 1am - 11 hours difference between New York and Thailand. There is no reason whatsoever why the transfer can't be made a couple of hours earlier!

 

And let's not go there as to why the 7th largest economy in the world cannot do it itself!

 

Precisely, JAG and still not in at 13:15 today but they love to get us totally worried and do not get started on the Proof of living fiasco and let us hope come Monday it will be in our accounts our frozen state pension and 2 countries ,my backside G7

[Upnotover]

3 minutes ago, billd766 said:

If the payment due date is at the weekend or on a UK public holiday, my 3 pensions are always paid earlier. I don't think that I have ever been paid late yet.

Paid where?  OP is taking about being paid into a Thai account.

[jwest10]

3 minutes ago, billd766 said:

If the payment due date is at the weekend or on a UK public holiday, my 3 pensions are always paid earlier. I don't think that I have ever been paid late yet.

It definately happens with the so-calledUK State Pension

[JAG]

1 minute ago, billd766 said:

If the payment due date is at the weekend or on a UK public holiday, my 3 pensions are always paid earlier. I don't think that I have ever been paid late yet.

The problem is not at the UK end, it is in the USA banking system.

 

Yesterday was a holiday to celebrate the French, Dutch and Spanish kicking the British out of some of their North American Colonies!

[worgeordie]

I was reading something yesterday ,where the day you get your pension is been changed

from last 2 numbers of your social security number to your birthday ,maybe that's why,

but you should not be worrying if its a couple of days late,surely your not relying on your

pension been paid on particular day ,

 

regards Worgeordie 

 

[jwest10]

1 minute ago, JAG said:

The problem is not at the UK end, it is in the USA banking system.

 

Yesterday was a holiday to celebrate the French, Dutch and Spanish kicking the British out of some of their North American Colonies!

Frankly, they are all to blame and none worse than the DWP and banks combined!!!

[jwest10]

12 minutes ago, norsurin said:

I know that people from my country get their pension on time every month in their thai bank account 

Sometimes the 20th is on a Sunday or Monday and then they get it on Thursday morning before the weekend.

Pleased for you and many do not!!!

[jwest10]

9 minutes ago, JAG said:

The problem is not at the UK end, it is in the USA banking system.

 

Yesterday was a holiday to celebrate the French, Dutch and Spanish kicking the British out of some of their North American Colonies!

Those damn Americans again and over so many decades are poodles to them and all the wars we support with them.

[jwest10]

29 minutes ago, worgeordie said:

I was reading something yesterday ,where the day you get your pension is been changed

from last 2 numbers of your social security number to your birthday ,maybe that's why,

but you should not be worrying if its a couple of days late,surely your not relying on your

pension been paid on particular day ,

 

regards Worgeordie 

 

Some have pocket money and students' fees and accommodation costs due on a certain date and not everyone has large amounts stacked away.
Intersting you stating about the last 2 digits but that has always been the case?
With respect where did you read that but for so many it is a worry and I did not get it on the 22nd my birth date?
LOL Even I am allowed pocket money, if there is any left over!!!

 

 

[BritManToo]

23 minutes ago, billd766 said:

If the payment due date is at the weekend or on a UK public holiday, my 3 pensions are always paid earlier. I don't think that I have ever been paid late yet.

Same, but suspect the people with problems are using the international pension department. If you're using the normal channels for UK residents, paid into a UK bank account, never any problems.

[billd766]

7 minutes ago, Upnotover said:

Paid where?  OP is taking about being paid into a Thai account.

Mine gets paid directly into my Wise UK borderless account.

 

I must have missed the bit about where it is paid directly into a Thai account. If I did, my apologies.

[jwest10]

7 minutes ago, billd766 said:

Mine gets paid directly into my Wise UK borderless account.

 

I must have missed the bit about where it is paid directly into a Thai account. If I did, my apologies.

billd766 No problem I have opted for direct to my Thai bank account  for years but when there is a public holiday and surely a better system ie flagging it but no you talking about the UK and using an American bank for heaven's sake!!!

[jwest10]

37 minutes ago, billd766 said:

If the payment due date is at the weekend or on a UK public holiday, my 3 pensions are always paid earlier. I don't think that I have ever been paid late yet.

True on miniscule private pensions but definitely not the so-called miniscule British State Pension.

[jwest10]

45 minutes ago, worgeordie said:

I was reading something yesterday ,where the day you get your pension is been changed

from last 2 numbers of your social security number to your birthday ,maybe that's why,

but you should not be worrying if its a couple of days late,surely your not relying on your

pension been paid on particular day ,

 

regards Worgeordie 

 

 

Today

 

Explain the following text primarily based on the surrounding page content: Advanced Member 1.5k Gender:Not Telling Posted just now Every month it seems there is a problem with State Pension being late. Yes, mine was due 4 July and of course, the American Independence Day and sometimes at other times, either an English or Thai National Holiday and normally when check ATM very early on Saturday it still has not hit, Anyone else having this problem and surely ther must be a system when it is flagged. Thanks All

 

Here's what the message is getting at, in the context of the forum discussion:

📍 User Experience with Late State Pension Payments The post, made by a seasoned member on the ASEAN NOW forum for expats in Central Thailand, expresses growing frustration over recurring delays in receiving the UK State Pension. The member notes that these delays frequently coincide with public holidays—such as:

• July 4th (U.S. Independence Day)

• English or Thai national holidays

Even when checking the ATM early on the following Saturday, their pension payment often hasn’t arrived.

💬 Call for Shared Experience & Solutions The poster is reaching out to others in the expat community, asking:

• Whether others are experiencing the same issue

• Why there isn’t a system that automatically accounts for predictable delays (like holidays), so payments can be adjusted accordingly

🔍 Larger Context on the Forum The topic sits within a broader ongoing discussion among retirees and pensioners in Thailand, especially UK expats, who regularly use the forum to compare notes on:

• Payment timing inconsistencies

• How banking systems interact with UK transfers

• Coping strategies when funds arrive late

It taps into a shared sense of vulnerability and the importance of reliable income for pensioners abroad.

Would you like help drafting a response to the forum—maybe to share your experience or suggest solutions others might not know?

It foes through an Americann bank?

 

That’s a sharp observation, John—and yes, that’s very likely part of the issue.

🇺🇸 Why American Holidays Like July 4th Cause Delays Many UK State Pension payments sent overseas—including to expats in Thailand—are processed through Citibank NA in the U.S., which acts as an intermediary. So when there's a U.S. public holiday like Independence Day, the American banking system pauses, creating knock-on delays for international transactions—even if the UK issued the payment on time.

⚙️ Here’s How the Chain Likely Works:

1. UK DWP releases payment (based on your set schedule).

2. Citibank processes it, converting it to the appropriate currency.

3. It then passes through local Thai banks like Krungthai or Bangkok Bank.

4. Finally, it hits your ATM account—often later than expected if there's a holiday in any country along that route.

5.  

[jwest10]

 

Today

 

Explain the following text primarily based on the surrounding page content: Advanced Member 1.5k Gender:Not Telling Posted just now Every month it seems there is a problem with State Pension being late. Yes, mine was due 4 July and of course, the American Independence Day and sometimes at other times, either an English or Thai National Holiday and normally when check ATM very early on Saturday it still has not hit, Anyone else having this problem and surely ther must be a system when it is flagged. Thanks All

 

Here's what the message is getting at, in the context of the forum discussion:

📍 User Experience with Late State Pension Payments The post, made by a seasoned member on the ASEAN NOW forum for expats in Central Thailand, expresses growing frustration over recurring delays in receiving the UK State Pension. The member notes that these delays frequently coincide with public holidays—such as:

• July 4th (U.S. Independence Day)

• English or Thai national holidays

Even when checking the ATM early on the following Saturday, their pension payment often hasn’t arrived.

💬 Call for Shared Experience & Solutions The poster is reaching out to others in the expat community, asking:

• Whether others are experiencing the same issue

• Why there isn’t a system that automatically accounts for predictable delays (like holidays), so payments can be adjusted accordingly

🔍 Larger Context on the Forum The topic sits within a broader ongoing discussion among retirees and pensioners in Thailand, especially UK expats, who regularly use the forum to compare notes on:

• Payment timing inconsistencies

• How banking systems interact with UK transfers

• Coping strategies when funds arrive late

It taps into a shared sense of vulnerability and the importance of reliable income for pensioners abroad.

Would you like help drafting a response to the forum—maybe to share your experience or suggest solutions others might not know?

It foes through an Americann bank?

 

That’s a sharp observation, John—and yes, that’s very likely part of the issue.

🇺🇸 Why American Holidays Like July 4th Cause Delays Many UK State Pension payments sent overseas—including to expats in Thailand—are processed through Citibank NA in the U.S., which acts as an intermediary. So when there's a U.S. public holiday like Independence Day, the American banking system pauses, creating knock-on delays for international transactions—even if the UK issued the payment on time.

⚙️ Here’s How the Chain Likely Works:

1. UK DWP releases payment (based on your set schedule).

2. Citibank processes it, converting it to the appropriate currency.

3. It then passes through local Thai banks like Krungthai or Bangkok Bank.

4. Finally, it hits your ATM account—often later than expected if there's a holiday in any country along that route.

5.  

[sandyf]

1 hour ago, Upnotover said:

Paid where?  OP is taking about being paid into a Thai account.

I agree with Bill.

I used to have my state pension paid direct to a Thai account and it was always paid early when any holiday involved.

At that same time there were also many complaining about late payments.

I believe it was something to do with the original set up and whether the payment went straight to the branch or not. Thailand uses a 8 character Swift code so if the branch code is not included it can only go to the head office.

At the time I did mine, which was an overseas application, the DWP did not ask for the branch code but I supplied it anyway and never had a problem.

I don't know how those that applied in the UK possibly over the phone would be dealt with in that respect.

[jwest10]

43 minutes ago, sandyf said:

I agree with Bill.

I used to have my state pension paid direct to a Thai account and it was always paid early when any holiday involved.

At that same time there were also many complaining about late payments.

I believe it was something to do with the original set up and whether the payment went straight to the branch or not. Thailand uses a 8 character Swift code so if the branch code is not included it can only go to the head office.

At the time I did mine, which was an overseas application, the DWP did not ask for the branch code but I supplied it anyway and never had a problem.

I don't know how those that applied in the UK possibly over the phone would be dealt with in that respect.

Not true in my case and they had the branch and code and yes fine if no holidays in the way.
Pleased that you and others having no problems!! 
They had the swift code as well!!

[JAG]

3 hours ago, jwest10 said:

Frankly, they are all to blame and none worse than the DWP and banks combined!!!

DWP; acronyms!

 

The agency which used to manage the "defence estate" amongst other things was at one time known as The Ministry of Public Buildings and Works (MPBW or Ministry of Public Blunders and Wonders). It then was renamed The Property Services Agency (PSA or Portakabins, Sheds and Attics) then again Department of The Environment (DOE or Devastation over Europe). It made no difference - the roof still leaked!

[Magictoad]

Are you dependent on it?  I try to ensure I have a 1K in sterling in my UK account and 100K in cash at home. So even if it's 2 weeks late I'm not effected. 

[jwest10]

59 minutes ago, Magictoad said:

Are you dependent on it?  I try to ensure I have a 1K in sterling in my UK account and 100K in cash at home. So even if it's 2 weeks late I'm not effected. 

Yes indeed!!! And draw down on it when I can but certain things come up unexpectedly.

[Foresttrump]

I currently transfer using wise from my UK bank account for a small fee at reasonable exchange rates.   I was thinking of instructing DWP to transfer my state pension direct, out of interest is there a charge for this and what exchange rates do you receive, are they competitive.

[sandyf]

On 7/5/2025 at 9:26 AM, jwest10 said:

Not true in my case and they had the branch and code and yes fine if no holidays in the way.
Pleased that you and others having no problems!! 
They had the swift code as well!!

Was that an overseas application?

[jwest10]

15 hours ago, sandyf said:

Was that an overseas application?

Certainly, was and still awaiting today Monday 7th and they sure despise us but nothing new there then!!