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
CategoryPriority payment transactions Value dates0
Transactions affectedAll electronic bank transfers excluding transactions with orange inpayment slips (ISR)
CategoryHigh volume payment transactions Value dates1 Transactions affected
  • All transactions with orange inpayment slips (ISR) excluding counter payments
  • All paper-based bank transfers with inpayment slips excluding counter payments
CategoryCounter payments Value dates2 Transactions affectedAll 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