Year-end processing 2020/2021

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 2020 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
    30.12.2020
    Service
    Inpayments into your own PostFinance business account using the PostFinance Card
    Final deadline
    31.12.2020, 06.00 p.m.
    Service
    Inpayments to bank accounts in Switzerland
    Final deadline
    30.12.2020
    Service
    Cash withdrawals with the PostFinance Card at the post office counter
    Final deadline
    31.12.2020
    Service
    Cash withdrawals with the PostFinance Card from the Postomat
    Final deadline
    31.12.2020, 06.00 p.m.
    Service

    Inpayments to the retirement savings account 3a (for 2020 tax year)
    Inpayments for the year 2021 can only be made from 04 January 2021.

    Final deadline
    29.12.2020
    Service
    Submission of order forms for funds from PostFinance at the counter
    Final deadline
    21.12.2020

    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
    29.12.2020
    Service
    Transfers to bank accounts in Switzerland
    Final deadline
    28.12.2020
    Service
    Transfers to retirement savings account 3a (for 2020 tax year)
    Inpayments for the year 2021 can only be made from 04 January 2021.
    Final deadline
    29.12.2020
    Service
    Order forms for funds from PostFinance
    Final deadline
    28.12.2020, 10.00 a.m.
    Service
    Order forms for third-party funds
    Final deadline
    23.12.2020, 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”.  

    ServiceFinal deadline
    Service
    Transfers to a PostFinance account in Switzerland
    Final deadline
    30.12.2020, 11.59 p.m.
    Service
    Transfers to bank accounts in Switzerland
    Final deadline
    30.12.2020, 11.59 p.m.
    Service

    Transfers to retirement savings account 3a (for 2020 tax year)
    Inpayments for the year 2021 can only be made from 04 January 2021.

    Final deadline
    29.12.2020, 11.59 p.m.
    Service
    Fund orders for the retirement savings account 3a (in e-finance)
    Final deadline
    29.12.2020, 10.00 a.m.
    Service
    Fund orders for fund self-service
    Orders for funds from PostFinance
    Final deadline
    28.12.2020, 01.30 p.m.
    Service

    Fund orders for fund self-service

    Orders for third-party funds

    Final deadline
    23.12.2020
    Service
    One-time, instant transfers between PostFinance accounts
    Final deadline
    31.12.2020, 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 Friday, 1 January 2021, Saturday, 2 January 2021 and Sunday, 3 January 2021 will be executed on Thursday, 31 December 2020. If the “after public holiday” option is selected for these standing orders, they will not be executed until Monday, 4 January 2021.

    “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 carried out on 23 December 2020 before 03.00 p.m. will be delivered on 24 December 2020.

    New Year:
    Orders carried out on 30 December 2020 before 03.00 p.m. will be delivered on 31 December 2020.

    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 dateDue date of the orderPostFinance value date
    Date
    24.12.2020
    Latest delivery and approval date always 11:59 p.m.
    23.12.2020
    Due date of the order
    24.12.2020
    PostFinance value date
    24.12.2020
    Date
    28.12.2020
    Latest delivery and approval date always 11:59 p.m.
    27.12.2020
    Due date of the order
    28.12.2020
    PostFinance value date
    28.12.2020
    Date
    29.12.2020
    Latest delivery and approval date always 11:59 p.m.
    28.12.2020
    Due date of the order
    29.12.2020
    PostFinance value date
    29.12.2020
    Date
    30.12.2020
    Latest delivery and approval date always 11:59 p.m.
    29.12.2020
    Due date of the order
    30.12.2020
    PostFinance value date
    30.12.2020
    Date
    31.12.2020
    Latest delivery and approval date always 11:59 p.m.
    30.12.2020
    Due date of the order
    31.12.2020
    PostFinance value date
    31.12.2020
    Date
    04.01.2021
    Latest delivery and approval date always 11:59 p.m.
    03.01.2021
    Due date of the order
    04.01.2021
    PostFinance value date
    04.01.2021

    No processing on the following dates:

    25.12.2020, 26.12.2020, 27.12.2020 and 01.01.2021, 02.01.2021 and 03.01.2021

    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 the amount can be credited to the postal account with the same value date.

    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.

    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 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 dateDue date of the orderPostFinance value date
    Date

    18.12.2020

    Latest delivery and approval date always 11 p.m.

    17.12.2020

    Due date of the order

    18.12.2020

    PostFinance value date

    18.12.2020

    Date

    24.12.2020

    Latest delivery and approval date always 11 p.m.

    23.12.2020

    Due date of the order

    24.12.2020

    PostFinance value date

    24.12.2020

    Date

    28.12.2020

    Latest delivery and approval date always 11 p.m.

    27.12.2020

    Due date of the order

    28.12.2020

    PostFinance value date

    28.12.2020

    Date

    29.12.2020

    Latest delivery and approval date always 11 p.m.

    28.12.2020

    Due date of the order

    29.12.2020

    PostFinance value date

    29.12.2020

    Date
    30.12.2020
    Latest delivery and approval date always 11 p.m.
    29.12.2020
    Due date of the order
    30.12.2020
    PostFinance value date
    30.12.2020
    Date

    31.12.2020

    Latest delivery and approval date always 11 p.m.

    30.12.2020

    Due date of the order

    31.12.2020

    PostFinance value date

    31.12.2020

    Date

    04.01.2021

    Latest delivery and approval date always 11 p.m.

    03.01.2021

    Due date of the order

    04.01.2021

    PostFinance value date

    04.01.2021

    No processing on the following dates:

    19.12.2020, 20.12.2020, 25.12.2020, 26.12.2020, 27.12.2020 and 01.01.2021, 02.01.2021 and 03.01.2021

    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 dateData delivery PostFinance value date
    Processing date / booking date

    24.12.2020

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

    24.12.2020

    PostFinance value date

    28.12.2020

    Processing date / booking date

    28.12.2020

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

    28.12.2020

    PostFinance value date

    29.12.2020

    Processing date / booking date

    29.12.2020

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

    29.12.2020

    PostFinance value date

    30.12.2020

    Processing date / booking date

    30.12.2020

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

    30.12.2020

    PostFinance value date

    31.12.2020

    Processing date / booking date

    31.12.2020

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

    31.12.2020

    PostFinance value date

    04.01.2021

    Processing date / booking date

    04.01.2021

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

    04.01.2021

    PostFinance value date

    05.01.2021

    No processing on the following dates:

    25.12.2020, 26.12.2020, 27.12.2020 and 01.01.2021, 02.01.2021 and 03.01.2021

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

    Year-end automatic special delivery is set up on 30.12.2020 for all active ISR/OSR customers (exception: where periodicity is daily).

  • DateDelivery of dataPostFinance value date 
    Date

    24.12.2020

    Delivery of data

    24.12.2020

    PostFinance value date  Booking of batch credit to the business account

    24.12.2020

    Date

    28.12.2020

    Delivery of data

    28.12.2020

    PostFinance value date  Booking of batch credit to the business account

    28.12.2020

    Date

    29.12.2020

    Delivery of data

    29.12.2020

    PostFinance value date  Booking of batch credit to the business account

    29.12.2020

    Date

    30.12.2020

    Delivery of data

    30.12.2020

    PostFinance value date  Booking of batch credit to the business account

    30.12.2020

    Date

    31.12.2020

    Delivery of data

    31.12.2020

    PostFinance value date  Booking of batch credit to the business account

    31.12.2020

    Date

    04.01.2021

    Delivery of data

    04.01.2021

    PostFinance value date  Booking of batch credit to the business account

    04.01.2021

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

  • DateMT101 same day Last delivery date and order due dateMT101 with due date latest deliveryDue date of the orderPostFinance value date
    Date
    24.12.2020
    MT101 same day Last delivery date and order due date 6 p.m. is the final acceptance time for same-day orders
    24.12.2020
    MT101 with due date latest delivery always 11.59 p.m.
    23.12.2020
    Due date of the order
    24.12.2020
    PostFinance value date
    24.12.2020
    Date
    28.12.2020
    MT101 same day Last delivery date and order due date 6 p.m. is the final acceptance time for same-day orders
    28.12.2020
    MT101 with due date latest delivery always 11.59 p.m.
    27.12.2020
    Due date of the order
    28.12.2020
    PostFinance value date
    28.12.2020
    Date
    29.12.2020
    MT101 same day Last delivery date and order due date 6 p.m. is the final acceptance time for same-day orders
    29.12.2020
    MT101 with due date latest delivery always 11.59 p.m.
    28.12.2020
    Due date of the order
    29.12.2020
    PostFinance value date
    29.12.2020
    Date
    30.12.2020
    MT101 same day Last delivery date and order due date 6 p.m. is the final acceptance time for same-day orders
    30.12.2020
    MT101 with due date latest delivery always 11.59 p.m.
    29.12.2020
    Due date of the order
    30.12.2020
    PostFinance value date
    30.12.2020
    Date
    31.12.2020
    MT101 same day Last delivery date and order due date 6 p.m. is the final acceptance time for same-day orders
    31.12.2020
    MT101 with due date latest delivery always 11.59 p.m.
    30.12.2020
    Due date of the order
    31.12.2020
    PostFinance value date
    31.12.2020
    Date
    04.01.2021
    MT101 same day Last delivery date and order due date 6 p.m. is the final acceptance time for same-day orders
    04.01.2021
    MT101 with due date latest delivery always 11.59 p.m.
    03.01.2021
    Due date of the order
    04.01.2021
    PostFinance value date
    04.01.2021

    No processing on the following dates:

    25.12.2020, 26.12.2020, 27.12.2020 and 01.01.2021, 02.01.2021 and 03.01.2021

    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 (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 Swiss Post working day.  

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

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

    24.12.2020

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

    24.12.2020

    Value date

    24.12.2020

    Processing date / booking date

    28.12.2020

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

    28.12.2020

    Value date

    28.12.2020

    Processing date / booking date

    29.12.2020

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

    29.12.2020

    Value date

    29.12.2020

    Processing date / booking date

    30.12.2020

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

    30.12.2020

    Value date

    30.12.2020

    Processing date / booking date

    31.12.2020

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

    31.12.2020

    Value date

    31.12.2020

    Processing date / booking date

    04.01.2021

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

    04.01.2021

    Value date

    04.01.2021

    No processing on the following dates:

    25.12.2020, 26.12.2020, 27.12.2020 and 01.01.2021, 02.01.2021 and 03.01.2021

    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 December 2020 for all customers with an active QR-bill virtual account (exception: where periodicity is daily).