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