---
title: ToolRouter — Use Case
description: Step-by-step guide for a real-world ToolRouter use case with agent-specific instructions.
url: https://toolrouter.com/tools/public-holidays/use-cases/check-bank-holidays
---
# Check Bank Holidays

Financial transactions depend on bank holidays. Wire transfers, ACH payments, stock settlements, and invoice due dates all shift when banks are closed. A payment initiated on a Friday before a Monday bank holiday will not settle until Tuesday -- and in international finance, different countries have different bank holidays, making settlement timing a complex puzzle.

The is_holiday skill instantly checks whether a specific date is a public holiday in any country, while holidays returns the full calendar. Financial operations teams use this to predict settlement dates, avoid scheduling payments on non-business days, and set accurate expectations for when funds will arrive. This is especially critical for international payments that cross multiple banking systems with different holiday schedules.

Accountants, treasury teams, payment processors, and anyone handling money across borders needs reliable bank holiday data. Getting it wrong means delayed payments, missed SLAs, cash flow miscalculations, and unhappy customers wondering where their money is.

**Tool:** [Public Holidays](https://toolrouter.com/tools/public-holidays)
**Skills:** is_holiday, holidays

## Agent Guides

- [How to Check Bank Holidays with Claude](https://toolrouter.com/tools/public-holidays/use-cases/check-bank-holidays/claude): Guide for Claude
- [How to Check Bank Holidays with ChatGPT](https://toolrouter.com/tools/public-holidays/use-cases/check-bank-holidays/chatgpt): Guide for ChatGPT
- [How to Check Bank Holidays with Copilot](https://toolrouter.com/tools/public-holidays/use-cases/check-bank-holidays/copilot): Guide for Copilot
- [How to Check Bank Holidays with OpenClaw](https://toolrouter.com/tools/public-holidays/use-cases/check-bank-holidays/openclaw): Guide for OpenClaw
