Our value date rule

Standard number of working days between debit and credit

PostFinance has a transparent value date rule for all customers: 
The length of time between debit and credit is between 0 and a maximum of 2 working days.

Category Value dates Transactions affected
Category
Priority payment transactions
Value dates
0
Transactions affected
All electronic bank transfers excluding transactions with orange inpayment slips (ISR)
Category
High volume payment transactions
Value dates
1
Transactions affected
  • All transactions with orange inpayment slips (ISR) excluding counter payments
  • All paper-based bank transfers with inpayment slips excluding counter payments
Category
Counter payments
Value dates
2
Transactions affected
All inpayment slips used at the counter: red inpayment slips (IS) and orange inpayment slips (ISR)

Priority payment transaction example

EPO salary payments (recipient: postal account/IBAN)

  • Robert Schneider AG makes its salary payments via EPO
  • The debit and credit are effected on the same day
  • e.g. debit = Wednesday; credit = Wednesday

High volume payment transaction example

E-finance payment using an orange inpayment slip with reference number (recipient: ISR subscriber number)

  • Robert Schneider AG uses an orange inpayment slip with reference number to pay its VAT contributions in e-finance
  • There is one value date between debit and credit
  • e.g. debit = Friday; credit = Monday

Counter payment example

Inpayment at post office counter using an orange inpayment slip with reference number (recipient: ISR subscriber number)

  • Maria Bernasconi uses an orange inpayment slip with reference number to pay her health insurance costs at the post office counter.
  • There are two value dates between debit and credit
  • e.g. inpayment = Tuesday; credit = Thursday