Payments at the counter, transfers and cash withdrawals which are to be booked on time in 2024 or paid out must be carried out by the following deadlines.
Year-end processing 2024/2025
Processing deadlines for business customers
The general year-end processing deadlines and the deadlines for the electronic services EPO, Swiss Debit Direct, OSR, SWIFT MT 101 and QR-bill virtual account can be found in the overview below.
Payment transactions at the post office counter
The local opening hours of the post offices must be taken into account.
| Service | Final deadline |
|---|---|
| Service Inpayments into a PostFinance account in Switzerland |
Final deadline 30.12.2024 |
| Service Inpayments into your own PostFinance business account using the PostFinance Card |
Final deadline 31.12.2024, 07.30 p.m. |
| Service Inpayments to bank accounts in Switzerland |
Final deadline 30.12.2024 |
| Service Cash withdrawals with the PostFinance Card at the post office counter |
Final deadline 31.12.2024 |
| Service Cash withdrawals with the PostFinance Card from the Postomat |
Final deadline 31.12.2024, 12 noon |
| Service Inpayments to the retirement savings account 3a (for 2024 tax year) Inpayments for the year 2025 can only be made from 3 January 2025. |
Final deadline 27.12.2024 |
| Service Submission of order forms for PostFinance Fonds at the counter |
Final deadline 23.12.2024 |
Written orders
- Envelope received at the PostFinance Operations Center
- For transfers, the due date of the order is the day after the “Final deadline” date
| Service | Final deadline |
|---|---|
| Service Transfers to a PostFinance account in Switzerland |
Final deadline 30.12.2024 |
| Service Transfers to bank accounts in Switzerland |
Final deadline 30.12.2024 |
| Service Transfers to retirement savings account 3a (for 2024 tax year) Inpayments for the year 2025 can only be made from 3 January 2025. |
Final deadline 27.12.2024 |
| Service Order forms for PostFinance Fonds |
Final deadline 27.12.2024 |
| Service Order forms for third-party funds |
Final deadline 23.12.2024 |
Electronic orders via e-finance
- Entry and approval of payments/orders completed
- For transfers, the due date of the order is the day after the “Final deadline” date
| Service | Final deadline |
|---|---|
| Service Transfers to a PostFinance account in Switzerland |
Final deadline 30.12.2024, 11.59 p.m. |
| Service Transfers to a PostFinance account in Switzerland via SameDay |
Final deadline 31.12.2024, 12.00 noon |
| Service Transfers to a PostFinance account in Switzerland via express payment in CHF |
Final deadline 31.12.2024, 06.00 p.m. |
| Service Transfers to a PostFinance account in Switzerland via express payment in foreign currency |
Final deadline 31.12.2024, 06.00 p.m. |
| Service Transfers to a bank account in Switzerland |
Final deadline 30.12.2024, 11.59 p.m. |
| Service Transfers to a bank account in Switzerland via SameDay |
Final deadline 31.12.2024, 12.00 noon |
| Service Transfers to a bank account in Switzerland via express payment in CHF |
Final deadline 31.12.2024, 04.00 p.m. |
| Service Transfers to a bank account in Switzerland via express payment in foreign currency |
Final deadline 31.12.2024, 01.00 p.m. |
| Service Transfers to retirement savings account 3a (for 2024 tax year) Inpayments for the year 2025 can only be made from 3 January 2025. |
Final deadline 30.12.2024, 11.59 p.m. |
| Service Fund orders for the retirement savings account 3a (in e-finance) |
Final deadline 30.12.2024, 10.00 a.m. |
| Service Fund orders for fund self-service Orders for PostFinance Fonds |
Final deadline 27.12.2024, 01.30 p.m. |
| Service Fund orders for fund self-service Orders for third-party funds |
Final deadline 23.12.2024 |
| Service Orders for medium-term notes |
Final deadline 27.12.2024, 11.59 p.m. |
| Service One-time, immediate transfers between PostFinance accounts |
Final deadline 31.12.2024, 11.59 p.m. |
International payments
The deadlines for international payments depend on the product selection and destination country.
Standing orders
Standing orders with due date Wednesday, 01.01.2025 and Thursday, 02.01.2025 be executed on Tuesday, 31.12.2024. If the “after public holiday” option is selected for these standing orders, they will not be executed until Friday, 03.01.2025.
“Are the amounts of your standing orders (e.g. health insurance fund) still correct? Invoice amounts often change at the turn of the year. Remember to update them in good time.”
Travel payment methods (order foreign currencies)
Christmas:
- Orders received before 10 a.m. on 24.12.2024 will be sent by Swiss Bankers on the same day.
- Swiss Bankers will be closed from 25.12.2024 and 26.12.2024.
New Year:
- Orders received before 10 a.m. on 31.12.2024 will be sent by Swiss Bankers on the same day.
- Swiss Bankers will be closed at 01.01.2025 and 02.01.2025.
Please note: in the event of a order for cash in an second-line currency or for consignments with an equivalent amount in excess of CHF 20,000, delivery takes 2 to 5 working days.
Delivery via e-finance or file transfer for business customers
| Execution date | Latest delivery and approval date | Due date of the order | PostFinance value date |
|---|---|---|---|
| Execution date 24.12.2024 |
Latest delivery and approval date 24.12.2024 |
Due date of the order 24.12.2024 |
PostFinance value date 24.12.2024 |
| Execution date 27.12.2024 |
Latest delivery and approval date 27.12.2024 |
Due date of the order 27.12.2024 |
PostFinance value date 27.12.2024 |
| Execution date 30.12.2024 |
Latest delivery and approval date 30.12.2024 |
Due date of the order 30.12.2024 |
PostFinance value date 30.12.2024 |
| Execution date 31.12.2024 |
Latest delivery and approval date 31.12.2024 |
Due date of the order 31.12.2024 |
PostFinance value date 31.12.2024 |
| Execution date 03.01.2025 |
Latest delivery and approval date 03.01.2025 |
Due date of the order 03.01.2025 |
PostFinance value date 03.01.2025 |
EPO orders with large transaction volumes must be delivered as early as possible to ensure there is sufficient time to deal with any errors and that all transactions can still be executed on the desired due date.
No processing on the following dates:
25.12.2024, 26.12.2024, and 01.01.2025 and 02.01.2025
Express execution:
- by 1 p.m. so that the amount can be credited in foreign currency by the bank with the same value date;
- by 4 p.m. so that the amount can be credited in CHF by the bank with the same value date;
- by 6 p.m. so that a credit with the same value date can be made to the PostFinance account.
International payments are sent to our correspondence partners on the same day up to 12.30 p.m. and after that on the next working day.
These rules are only binding if sufficient funds are available in the account. Orders delivered late will be processed on the next working day.
Otherwise the conditions set out in the manual on EPO via file transfer apply.
CH-DD Direct Debit (Swiss Direct Debit): Delivery via e-finance or file transfer for business customers
| Execution date | Latest delivery and approval date | Due date of the order | PostFinance value date |
|---|---|---|---|
| Execution date 23.12.2024 |
Latest delivery and approval date 22.12.2024 |
Due date of the order 23.12.2024 |
PostFinance value date 23.12.2024 |
| Execution date 24.12.2024 |
Latest delivery and approval date 23.12.2024 |
Due date of the order 24.12.2024 |
PostFinance value date 24.12.2024 |
| Execution date 27.12.2024 |
Latest delivery and approval date 26.12.2024 |
Due date of the order 27.12.2024 |
PostFinance value date 27.12.2024 |
| Execution date 30.12.2024 |
Latest delivery and approval date 29.12.2024 |
Due date of the order 30.12.2024 |
PostFinance value date 30.12.2024 |
| Execution date 31.12.2024 |
Latest delivery and approval date 30.12.2024 |
Due date of the order 31.12.2024 |
PostFinance value date 31.12.2024 |
| Execution date 03.01.2025 |
Latest delivery and approval date 02.01.2025 |
Due date of the order 03.01.2025 |
PostFinance value date 03.01.2025 |
No processing on the following dates:
25.12.2024, 26.12.2024, 28.12.2024, 29.12.2024 and 01.01.2025 and 02.01.2025
Orders delivered/approved late will be processed on the next working day.
Otherwise the conditions set out in the CH-DD Direct Debit (Swiss Direct Debit) manual apply.
| Processing date / booking date | Data delivery | PostFinance value date |
|---|---|---|
| Processing date / booking date 24.12.2024 |
Data delivery 24.12.2024 |
PostFinance value date 27.12.2024 |
| Processing date / booking date 27.12.2024 |
Data delivery 27.12.2024 |
PostFinance value date 30.12.2024 |
| Processing date / booking date 30.12.2024 |
Data delivery 30.12.2024 |
PostFinance value date 31.12.2024 |
| Processing date / booking date 31.12.2024 |
Data delivery 31.12.2024 |
PostFinance value date 03.01.2025 |
| Processing date / booking date 03.01.2025 |
Data delivery 03.01.2025 |
PostFinance value date 06.01.2025 |
No processing on the following dates:
25.12.2024, 26.12.2024 and 01.01.2025 and 02.01.2025
The data will be delivered in accordance with the OSR manual with the selected level of frequency.
Year-end automatic special delivery is set up on 30.12.2024 for all active OSR customers (exception: where periodicity is daily).
| Execution date | MT101 same day | MT101 with due date latest delivery | Due date of the order | PostFinance value date |
|---|---|---|---|---|
| Execution date 24.12.2024 |
MT101 same day 24.12.2024 |
MT101 with due date latest delivery 23.12.2024 |
Due date of the order 24.12.2024 |
PostFinance value date 24.12.2024 |
| Execution date 27.12.2024 |
MT101 same day 27.12.2024 |
MT101 with due date latest delivery 26.12.2024 |
Due date of the order 27.12.2024 |
PostFinance value date 27.12.2024 |
| Execution date 30.12.2024 |
MT101 same day 30.12.2024 |
MT101 with due date latest delivery 29.12.2024 |
Due date of the order 30.12.2024 |
PostFinance value date 30.12.2024 |
| Execution date 31.12.2024 |
MT101 same day 31.12.2024 |
MT101 with due date latest delivery 30.12.2024 |
Due date of the order 31.12.2024 |
PostFinance value date 31.12.2024 |
| Execution date 03.01.2025 |
MT101 same day 03.01.2025 |
MT101 with due date latest delivery 02.01.2025 |
Due date of the order 03.01.2025 |
PostFinance value date 03.01.2025 |
No processing on the following dates:
25.12.2024, 26.12.2024 and 01.01.2025 and 02.01.2025
Information on delivery times for MT101 same day
- Latest delivery time with MT101 for a payment in Switzerland to a PostFinance account = 6 p.m. on the due date
- Latest delivery time with MT101 for a payment in Switzerland (payments in foreign currency) to a bank account = 1 p.m. or 4 p.m. (payments in CHF) on the due date so that the amount can be credited by the bank with the same value date.
- Latest delivery time with MT101 for an international payment = 12.30 p.m. on the due date (the payment is sent to our correspondence partner on the same day)
The latest delivery time refers to the time of receipt of a notification by PostFinance.
These rules are only binding if sufficient funds are available in the account. Orders delivered late will be processed on the next working day.
Otherwise, the conditions set out in the SWIFT manual apply.
| Processing date / booking date | Data delivery | Value date |
|---|---|---|
| Processing date / booking date 24.12.2024 |
Data delivery 24.12.2024 |
Value date 24.12.2024 |
| Processing date / booking date 27.12.2024 |
Data delivery 27.12.2024 |
Value date 27.12.2024 |
| Processing date / booking date 30.12.2024 |
Data delivery 30.12.2024 |
Value date 30.12.2024 |
| Processing date / booking date 31.12.2024 |
Data delivery 31.12.2024 |
Value date 31.12.2024 |
| Processing date / booking date 03.01.2025 |
Data delivery 03.01.2025 |
Value date 03.01.2025 |
No processing on the following dates:
25.12.2024, 26.12.2024 and 01.01.2025 and 02.01.2025
The data will be delivered in accordance with the QR-bill virtual account manual with the selected level of frequency.
Year-end automatic special delivery will be set up on 31.12.2024 for all customers with an active QR-bill virtual account (exception: where periodicity is daily).
An exception is made for instant payments. These credits are entered individually on every day of the year and display the same value date. The data, on the other hand, are only delivered on regular delivery days. The corresponding days are listed in the table under “Data delivery”.