Year-end processing 2019/2020

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 and SWIFT MT 101 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 within Switzerland
    Final deadline
    28.12.2019
    Service
    Inpayments into your own PostFinance business account using the PostFinance Card
    Final deadline
    31.12.2019, 06.00 p.m.
    Service
    Inpayments to bank accounts in Switzerland
    Final deadline
    24.12.2019
    Service
    Cash withdrawals with the PostFinance Card at the post office counter
    Final deadline
    31.12.2019, 07.00 p.m.
    Service
    Cash withdrawals with the PostFinance Card from the Postomat
    Final deadline
    31.12.2019
    Service

    Inpayments to the retirement savings account 3a: Inpayments for the year 2020 can only be made from 03 January 2020.

    Final deadline
    27.12.2019
    Service
    Submission of order forms for funds from PostFinance at the counter
    Final deadline
    20.12.2019

    Written orders

    Envelope received at the PostFinance Operations Center.

    The due date is the day after the date of the “final deadline”.

    Service Final deadline
    Service
    Transfers to a PostFinance account within Switzerland
    Final deadline
    27.12.2019
    Service
    Transfers to bank accounts in Switzerland
    Final deadline
    27.12.2019
    Service
    Transfers to retirement savings account 3a: Inpayments for the year 2020 can only be made from 03 January 2020.
    Final deadline
    27.12.2019
    Service
    Order forms for funds from PostFinance
    Final deadline
    27.12.2019, 10.00 a.m.

    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”.  

    Service Final deadline
    Service
    Transfers using the red inpayment slip (IS) to a PostFinance account within Switzerland
    Final deadline
    28.12.2019, 11.59 p.m
    Service
    Transfers with the orange inpayment slip with reference number (ISR)
    Final deadline
    28.12.2019, 11.59 p.m.
    Service
    Transfers to bank accounts in Switzerland
    Final deadline
    28.12.2019, 11.59 p.m.
    Service

    Transfers to retirement savings account 3a (for 2019 tax year): Inpayments for the year 2020 can only be made from 03 January 2020.

    Final deadline
    27.12.2019, 11.59 p.m.
    Service
    Fund orders for the retirement savings account 3a (in e-finance)
    Final deadline
    27.12.2019, 10.00 a.m.
    Service
    Orders for funds from PostFinance
    Final deadline
    27.12.2019, 10.00 a.m.
    Service
    One-time, instant transfers between PostFinance accounts
    Final deadline
    31.12.2019, 05.59 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 January 2020 and Thursday, 02 January 2020 will be executed on Tuesday, 31 December 2019. If the “after bank holiday” option is selected with these standing orders, they will not be executed until Friday, 03 January 2020.

    “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.”

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

    Date
    Latest delivery and approval date Due date of the order PostFinance value date
    Date
    24.12.2019
    Latest delivery and approval date always 11:59 p.m.
    23.12.2019
    Due date of the order
    24.12.2019
    PostFinance value date
    24.12.2019
    Date
    27.12.2019
    Latest delivery and approval date always 11:59 p.m.
    26.12.2019
    Due date of the order
    27.12.2019
    PostFinance value date
    27.12.2019
    Date
    30.12.2019
    Latest delivery and approval date always 11:59 p.m.
    29.12.2019
    Due date of the order
    30.12.2019
    PostFinance value date
    30.12.2019
    Date
    31.12.2019
    Latest delivery and approval date always 11:59 p.m.
    30.12.2019
    Due date of the order
    31.12.2019
    PostFinance value date
    31.12.2019
    Date
    03.01.2020
    Latest delivery and approval date always 11:59 p.m.
    02.01.2020
    Due date of the order
    03.01.2020
    PostFinance value date
    03.01.2020

    No processing on the following dates:

    25.12.2019, 26.12.2019, 28.12.2019, 29.12.2019, 01.01.2020, 02.01.2020

    Orders delivered/approved late will be processed on the next Swiss Post working day.

    Express orders via e-finance or file transfer for business customers must be delivered and approved by 06.00 p.m. at the latest. An order may contain a maximum of 100 transactions.

    Payments to a postal account (red inpayment slips) are credited immediately whereas payments made with orange inpayment slips with reference number (ISR) are not credited until the next Swiss Post working day at the earliest due to technical processing reasons.

    Payments in Switzerland to a bank account must be delivered and approved by 01.00 p.m. at the latest to ensure that a credit with the same value date is possible for the bank.

    International payments are sent to our correspondence partners on the same day up to 12.30 p.m. and after that on the next 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

    Date Latest delivery and approval date Due date of the order PostFinance value date
    Date

    20.12.2019

    Latest delivery and approval date always 11 p.m.

    19.12.2019

    Due date of the order

    20.12.2019

    PostFinance value date

    20.12.2019

    Date

    23.12.2019

    Latest delivery and approval date always 11 p.m.

    22.12.2019

    Due date of the order

    23.12.2019

    PostFinance value date

    23.12.2019

    Date

    24.12.2019

    Latest delivery and approval date always 11 p.m.

    23.12.2019

    Due date of the order

    24.12.2019

    PostFinance value date

    24.12.2019

    Date

    27.12.2019

    Latest delivery and approval date always 11 p.m.

    26.12.2019

    Due date of the order

    27.12.2019

    PostFinance value date

    27.12.2019

    Date
    30.12.2019
    Latest delivery and approval date always 11 p.m.
    29.12.2019
    Due date of the order
    30.12.2019
    PostFinance value date
    30.12.2019
    Date

    31.12.2019

    Latest delivery and approval date always 11 p.m.

    30.12.2019

    Due date of the order

    31.12.2019

    PostFinance value date

    31.12.2019

    Date

    03.01.2020

    Latest delivery and approval date always 11 p.m.

    02.01.2020

    Due date of the order

    03.01.2020

    PostFinance value date

    03.01.2020

    No processing on the following dates:

    21.12.2019, 22.12.2019, 25.12.2019, 26.12.2019, 28.12.2019, 29.12.2019, 01.01.2020, 02.01.2020

    Orders delivered/approved late will be processed on the next Swiss Post working day.

    Otherwise the conditions set out in the CH-DD Direct Debit (Swiss Direct Debit) manual apply. 

  • Processing date / booking date Data delivery (by 06.00 a.m. on the following day at the latest) PostFinance value date
    Processing date / booking date

    24.12.2019

    Data delivery (by 06.00 a.m. on the following day at the latest)

    24.12.2019

    PostFinance value date

    27.12.2019

    Processing date / booking date

    27.12.2019

    Data delivery (by 06.00 a.m. on the following day at the latest)

    27.12.2019

    PostFinance value date

    30.12.2019

    Processing date / booking date

    30.12.2019

    Data delivery (by 06.00 a.m. on the following day at the latest)

    30.12.2019

    PostFinance value date

    31.12.2019

    Processing date / booking date

    31.12.2019

    Data delivery (by 06.00 a.m. on the following day at the latest)

    31.12.2019

    PostFinance value date

    03.01.2020

    Processing date / booking date

    03.01.2020

    Data delivery (by 06.00 a.m. on the following day at the latest)

    03.01.2020

    PostFinance value date

    06.01.2020

    No processing on the following dates:

    25.12.2019, 26.12.2019, 28.12.2019, 29.12.2019, 01.01.2020, 02.01.2020

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

    Year-end automatic special delivery is set up on 30.12.2019 for all active ISR/OSR customers (exception: where periodicity is daily).

  • Date Delivery of data PostFinance value date (Booking of batch credit to the business account)
    Date

    24.12.2019

    Delivery of data

    24.12.2019

    PostFinance value date (Booking of batch credit to the business account)

    24.12.2019

    Date

    27.12.2019

    Delivery of data

    27.12.2019

    PostFinance value date (Booking of batch credit to the business account)

    27.12.2019

    Date

    30.12.2019

    Delivery of data

    30.12.2019

    PostFinance value date (Booking of batch credit to the business account)

    30.12.2019

    Date

    31.12.2019

    Delivery of data

    31.12.2019

    PostFinance value date (Booking of batch credit to the business account)

    31.12.2019

    Date

    03.01.2020

    Delivery of data

    03.01.2020

    PostFinance value date (Booking of batch credit to the business account)

    03.01.2020

    Date

    06.01.2020

    Delivery of data

    06.01.2020

    PostFinance value date (Booking of batch credit to the business account)

    06.01.2020

    No processing on the following dates:

    25.12.2019, 26.12.2019, 28.12.2019, 29.12.2019, 01.01.2020, 02.01.2020

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

  • Date MT101 same day Last delivery date and order due date MT101 with due date latest delivery Due date of the order PostFinance value date
    Date
    24.12.2019
    MT101 same day Last delivery date and order due date 6 p.m. is the final acceptance time for same-day orders
    24.12.2019
    MT101 with due date latest delivery always 11.59 p.m.
    23.12.2019
    Due date of the order
    24.12.2019
    PostFinance value date
    24.12.2019
    Date
    27.12.2019
    MT101 same day Last delivery date and order due date 6 p.m. is the final acceptance time for same-day orders
    27.12.2019
    MT101 with due date latest delivery always 11.59 p.m.
    26.12.2019
    Due date of the order
    27.12.2019
    PostFinance value date
    27.12.2019
    Date
    30.12.2019
    MT101 same day Last delivery date and order due date 6 p.m. is the final acceptance time for same-day orders
    30.12.2019
    MT101 with due date latest delivery always 11.59 p.m.
    29.12.2019
    Due date of the order
    30.12.2019
    PostFinance value date
    30.12.2019
    Date
    31.12.2019
    MT101 same day Last delivery date and order due date 6 p.m. is the final acceptance time for same-day orders
    31.12.2019
    MT101 with due date latest delivery always 11.59 p.m.
    30.12.2019
    Due date of the order
    31.12.2019
    PostFinance value date
    31.12.2019
    Date
    03.01.2020
    MT101 same day Last delivery date and order due date 6 p.m. is the final acceptance time for same-day orders
    03.01.2020
    MT101 with due date latest delivery always 11.59 p.m.
    02.01.2020
    Due date of the order
    03.01.2020
    PostFinance value date
    03.01.2020

    No processing on the following dates:

    25.12.2019, 26.12.2019, 28.12.2019, 29.12.2019, 01.01.2020, 02.01.2020

    Information on delivery times for MT101 same day

    • Latest delivery time with MT101 for a payment in Switzerland to a postal account = 06.00 p.m. on the due date
    • Latest delivery time with MT101 for a payment in Switzerland to a bank account = 01.00 p.m. on the due 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 Swiss Post working day.  

    Otherwise, the conditions set out in the SWIFT manual apply.