Are Banks Open on Christmas Day? (2026)

No — banks are closed on Christmas Day, Friday, December 25, 2026, in the United States, the United Kingdom and India. It is a federal holiday in the US, a bank holiday in every UK nation and a national bank holiday on the RBI calendar. Check the live answer for your country on our bank holiday checker.

Branches close, but ATMs, online and mobile banking, card payments and (in India) UPI keep working all day.

United States: Christmas Day closes banks

Christmas Day is one of the 11 federal holidays on the Federal Reserve’s K.8 schedule, so the Fed is closed and nearly every US bank shuts its branches on Friday, December 25, 2026. Christmas Eve, Thursday, December 24, is a normal banking day with normal hours, although many branches close early. Texas treats December 24 as a state holiday, but Texas banks stay open.

Saturday, December 26 follows each bank’s regular Saturday hours. Sunday is closed. Normal service resumes on Monday, December 28.

United Kingdom: Christmas Day and Boxing Day

UK banks are closed on Christmas Day, Friday, December 25. Boxing Day, December 26, falls on a Saturday in 2026, so the bank holiday moves to a substitute day: Monday, December 28. Branches reopen on Tuesday, December 29. Faster Payments and card payments work throughout.

India: a national bank holiday

Christmas, December 25, is a national holiday on the RBI calendar, so banks are closed across the country. Some states, including those in the north-east, also close on Christmas Eve or on December 26. Saturday, December 26 is a 4th Saturday, so banks are closed anyway. UPI, IMPS, NEFT and ATMs keep working.

Plan your money around Christmas

Withdraw cash and deposit cheques before Wednesday, December 23. Payments started on December 24 or 25 usually settle on the next business day, and in the US the next business day is Monday, December 28. The next US closure after Christmas is New Year’s Day, Friday, January 1, 2027.