Year-end processing 2021/2022

Processing deadlines for business customers

The general year-end processing deadlines and the deadlines for the electronic services EPO, Swiss Debit Direct, ISR/OSR, ECA, SWIFT MT 101 and QR bill virtual account can be found in the overview below.

  • Payments at the counter, transfers and cash withdrawals which are to be booked on time in 2021 or paid out must be carried out by the following deadlines.

    Payment transactions at the post office counter

    The local opening hours of the post offices must be taken into account.

    ServiceFinal deadline
    Service
    Inpayments into a PostFinance account in Switzerland
    Final deadline
    30.12.2021
    Service
    Inpayments into your own PostFinance business account using the PostFinance Card
    Final deadline
    31.12.2021, 06.00 p.m.
    Service
    Inpayments to bank accounts in Switzerland
    Final deadline
    30.12.2021
    Service
    Cash withdrawals with the PostFinance Card at the post office counter
    Final deadline
    31.12.2021
    Service
    Cash withdrawals with the PostFinance Card from the Postomat
    Final deadline
    31.12.2021, 06.00 p.m.
    Service
    Inpayments to the retirement savings account 3a (for 2021 tax year)
    Inpayments for the year 2022 can only be made from 3 January 2022.
    Final deadline
    29.12.2021
    Service
    Submission of order forms for funds from PostFinance at the counter
    Final deadline
    24.12.2021

    Written orders

    • Envelope received at the PostFinance Operations Center
    • The due date is the day after the date of the “final deadline”
    ServiceFinal deadline
    Service
    Transfers to a PostFinance account in Switzerland
    Final deadline
    29.12.2021
    Service
    Transfers to bank accounts in Switzerland
    Final deadline
    28.12.2021
    Service
    Transfers to retirement savings account 3a (for 2021 tax year)
    Inpayments for the year 2022 can only be made from 3 January 2022.
    Final deadline
    29.12.2021
    Service
    Order forms for funds from PostFinance
    Final deadline
    29.12.2021, 10.00 a.m.
    Service
    Order forms for third-party funds
    Final deadline
    24.12.2021

    Electronic orders (e-finance)

    • Entry and approval of payments/orders completed
    • The due date of the order is the day after the date of the “final deadline”
    ServiceFinal deadline
    Service
    Transfers to a PostFinance account in Switzerland
    Final deadline
    30.12.2021, 12.00 midnight
    Service
    Transfers to a PostFinance account in Switzerland via SameDay
    Final deadline
    31.12.2021, 12.00 noon
    Service
    Transfers to a PostFinance account in Switzerland via express payment in CHF
    Final deadline
    31.12.2021, 6.00 p.m.
    Service
    Transfers to a PostFinance account in Switzerland via express payment in foreign currency
    Final deadline
    31.12.2021, 2.00 p.m.
    Service
    Transfers to a bank account in Switzerland
    Final deadline
    30.12.2021, 12.00 midnight
    Service
    Transfers to a bank account in Switzerland via SameDay
    Final deadline
    31.12.2021, 12.00 noon
    Service
    Transfers to a bank account in Switzerland via express payment in CHF
    Final deadline
    31.12.2021, 2.00 p.m.
    Service
    Transfers to a bank account in Switzerland via express payment in foreign currency
    Final deadline
    31.12.2021, 2.00 p.m.
    Service
    Transfers to retirement savings account 3a (for 2021 tax year)
    Inpayments for the year 2022 can only be made from 3 January 2022.
    Final deadline
    29.12.2021, 11.59 p.m.
    Service
    Fund orders for the retirement savings account 3a (in e-finance)
    Final deadline
    29.12.2021, 10.00 a.m.
    Service
    Fund orders for fund self-service
    Orders for funds from PostFinance
    Final deadline
    30.12.2021, 01.30 p.m.
    Service
    Fund orders for fund self-service
    Orders for third-party funds
    Final deadline
    27.12.2021
    Service
    One-time, instant transfers between PostFinance accounts
    Final deadline
    31.12.2021, 12.00 midnight

    International payments

    The deadlines for international payments depend on the product selection and destination country.

    Standing orders

    Standing orders with due date Saturday, 1 January 2022 and Sunday, 2 January 2022 will be executed on Friday, 31 December 2021. If the “after public holiday” option is selected for these standing orders, they will not be executed until Monday, 3 January 2022.

    “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 (foreign currencies and new Travel cards)

    Christmas:

    • Orders received before 3 p.m. on 23.12.2021 will be sent by Swiss Bankers on the same day.
    • Orders received before 10 a.m. on 24.12.2021 will be sent by Swiss Bankers on the same day.

    New Year:

    • Orders received before 3 p.m. on 30.12.2021 will be sent by Swiss Bankers on the same day.
    • Orders received before 10 a.m. on 31.12.2021 will be sent by Swiss Bankers on the same day.

    Please note: exotic currencies and orders exceeding CHF 20,000 have a longer delivery period. These are delivered one working day later.

  • Delivery via e-finance or file transfer for business customers

    Date
    Latest delivery and approval date Due date of the orderPostFinance value date
    Date
    24.12.2021
    Latest delivery and approval date  always 12:00 noon
    24.12.2021
    Due date of the order
    24.12.2021
    PostFinance value date
    24.12.2021
    Date
    27.12.2021
    Latest delivery and approval date  always 12:00 noon
    27.12.2021
    Due date of the order
    27.12.2021
    PostFinance value date
    27.12.2021
    Date
    28.12.2021
    Latest delivery and approval date  always 12:00 noon
    28.12.2021
    Due date of the order
    28.12.2021
    PostFinance value date
    28.12.2021
    Date
    29.12.2021
    Latest delivery and approval date  always 12:00 noon
    29.12.2021
    Due date of the order
    29.12.2021
    PostFinance value date
    29.12.2021
    Date
    30.12.2021
    Latest delivery and approval date  always 12:00 noon
    30.12.2021
    Due date of the order
    30.12.2021
    PostFinance value date
    30.12.2021
    Date
    31.12.2021
    Latest delivery and approval date  always 12:00 noon
    31.12.2021
    Due date of the order
    31.12.2021
    PostFinance value date
    31.12.2021
    Date
    03.01.2022
    Latest delivery and approval date  always 12:00 noon
    03.01.2022
    Due date of the order
    03.01.2022
    PostFinance value date
    03.01.2022

    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:
    25.12.2021, 26.12.2021 and 01.01.2022 and 02.01.2022

    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

    DateLatest delivery and approval date Due date of the orderPostFinance value date
    Date
    17.12.2021
    Latest delivery and approval date  always 11.59 p.m.
    16.12.2021
    Due date of the order
    17.12.2021
    PostFinance value date
    17.12.2021
    Date
    24.12.2021
    Latest delivery and approval date  always 11.59 p.m.
    23.12.2021
    Due date of the order
    24.12.2021
    PostFinance value date
    24.12.2021
    Date
    27.12.2021
    Latest delivery and approval date  always 11.59 p.m.
    26.12.2021
    Due date of the order
    27.12.2021
    PostFinance value date
    27.12.2021
    Date

    28.12.2021

    Latest delivery and approval date  always 11.59 p.m.
    27.12.2021
    Due date of the order
    28.12.2021
    PostFinance value date
    28.12.2021
    Date
    29.12.2021
    Latest delivery and approval date  always 11.59 p.m.
    28.12.2021
    Due date of the order
    29.12.2021
    PostFinance value date
    29.12.2021
    Date
    30.12.2021
    Latest delivery and approval date  always 11.59 p.m.
    29.12.2021
    Due date of the order
    30.12.2021
    PostFinance value date
    30.12.2021
    Date
    31.12.2021
    Latest delivery and approval date  always 11.59 p.m.
    30.12.2021
    Due date of the order
    31.12.2021
    PostFinance value date
    31.12.2021
    Date
    03.01.2022
    Latest delivery and approval date  always 11.59 p.m.
    02.01.2022
    Due date of the order
    03.01.2022
    PostFinance value date
    03.01.2022

    No processing on the following dates:
    18.12.2021, 19.12.2021, 25.12.2021, 26.12.2021 and 01.01.2022 and 02.01.2022

    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 dateData delivery PostFinance value date
    Processing date / booking date
    24.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    24.12.2021
    PostFinance value date
    27.12.2021
    Processing date / booking date
    27.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    27.12.2021
    PostFinance value date
    28.12.2021
    Processing date / booking date
    28.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    28.12.2021
    PostFinance value date
    29.12.2021
    Processing date / booking date
    29.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    29.12.2021
    PostFinance value date
    30.12.2021
    Processing date / booking date
    30.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    30.12.2021
    PostFinance value date
    31.12.2021
    Processing date / booking date
    31.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    31.12.2021
    PostFinance value date
    03.01.2022
    Processing date / booking date
    03.01.2022
    Data delivery  by 06.00 a.m. on the following day at the latest
    03.01.2022
    PostFinance value date
    04.01.2022

    No processing on the following dates:
    25.12.2021, 26.12.2021 and 01.01.2022 and 02.01.2022

    The data is delivered at the frequency required in accordance with the ISR/OSR manual.

    Year-end automatic special delivery is set up on 30.12.2021 for all active ISR/OSR customers (exception: where periodicity is daily).

  • DateDelivery of dataPostFinance value date 
    Date
    24.12.2021
    Delivery of data
    24.12.2021
    PostFinance value date  Booking of batch credit to the business account
    24.12.2021
    Date
    27.12.2021
    Delivery of data
    27.12.2021
    PostFinance value date  Booking of batch credit to the business account
    27.12.2021
    Date
    28.12.2021
    Delivery of data
    28.12.2021
    PostFinance value date  Booking of batch credit to the business account
    28.12.2021
    Date
    29.12.2021
    Delivery of data
    29.12.2021
    PostFinance value date  Booking of batch credit to the business account
    29.12.2021
    Date
    30.12.2021
    Delivery of data
    30.12.2021
    PostFinance value date  Booking of batch credit to the business account
    30.12.2021
    Date
    31.12.2021
    Delivery of data
    31.12.2021
    PostFinance value date  Booking of batch credit to the business account
    31.12.2021
    Date
    03.01.2022
    Delivery of data
    03.01.2022
    PostFinance value date  Booking of batch credit to the business account
    03.01.2022

    Otherwise, the conditions set out in the Electronic credit advice with image (ECA-I) manual apply.

  • DateMT101 same day MT101 with due date latest deliveryDue date of the orderPostFinance value date
    Date
    24.12.2021
    MT101 same day  Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    24.12.2021
    MT101 with due date latest delivery always 11.59 p.m.
    23.12.2021
    Due date of the order
    24.12.2021
    PostFinance value date
    24.12.2021
    Date
    27.12.2021
    MT101 same day  Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    27.12.2021
    MT101 with due date latest delivery always 11.59 p.m.
    26.12.2021
    Due date of the order
    27.12.2021
    PostFinance value date
    27.12.2021
    Date
    28.12.2021
    MT101 same day  Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    28.12.2021
    MT101 with due date latest delivery always 11.59 p.m.
    27.12.2021
    Due date of the order
    28.12.2021
    PostFinance value date
    28.12.2021
    Date
    29.12.2021
    MT101 same day  Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    29.12.2021
    MT101 with due date latest delivery always 11.59 p.m.
    28.12.2021
    Due date of the order
    29.12.2021
    PostFinance value date
    29.12.2021
    Date
    30.12.2021
    MT101 same day  Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    30.12.2021
    MT101 with due date latest delivery always 11.59 p.m.
    29.12.2021
    Due date of the order
    30.12.2021
    PostFinance value date
    30.12.2021
    Date
    31.12.2021
    MT101 same day  Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    31.12.2021
    MT101 with due date latest delivery always 11.59 p.m.
    30.12.2021
    Due date of the order
    31.12.2021
    PostFinance value date
    31.12.2021
    Date
    03.01.2022
    MT101 same day  Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    03.01.2022
    MT101 with due date latest delivery always 11.59 p.m.
    02.01.2022
    Due date of the order
    03.01.2022
    PostFinance value date
    03.01.2022

    No processing on the following dates:
    25.12.2021, 26.12.2021 and 01.01.2022 and 02.01.2022

    Information on delivery times for MT101 same day

    • Latest delivery time with MT101 for a payment in Switzerland to a PostFinance account = 6.00 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
    24.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    24.12.2021
    Value date
    24.12.2021
    Processing date / booking date
    27.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    27.12.2021
    Value date
    27.12.2021
    Processing date / booking date
    28.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    28.12.2021
    Value date
    28.12.2021
    Processing date / booking date
    29.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    29.12.2021
    Value date
    29.12.2021
    Processing date / booking date
    30.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    30.12.2021
    Value date
    30.12.2021
    Processing date / booking date
    31.12.2021
    Data delivery  by 06.00 a.m. on the following day at the latest
    31.12.2021
    Value date
    31.12.2021
    Processing date / booking date
    03.01.2022
    Data delivery  by 06.00 a.m. on the following day at the latest
    03.01.2022
    Value date
    03.01.2022

    No processing on the following dates:
    25.12.2021, 26.12.2021 and 01.01.2022 and 02.01.2022

    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 31.12.2021 for all customers with an active QR-bill virtual account (exception: where periodicity is daily).