Payments at the counter, transfers and cash withdrawals which are to be booked on time in 2022 or paid out must be carried out by the following deadlines.
Year-end processing 2022/2023
Processing deadlines for business customersThe 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.
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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 SwitzerlandFinal deadline 29.12.2022Service Inpayments into your own PostFinance business account using the PostFinance CardFinal deadline 30.12.2022, 06.00 p.m.Service Inpayments to bank accounts in SwitzerlandFinal deadline 29.12.2022Service Cash withdrawals with the PostFinance Card at the post office counterFinal deadline 30.12.2022Service Cash withdrawals with the PostFinance Card from the PostomatFinal deadline 30.12.2022, 06.00 p.m.Service Inpayments to the retirement savings account 3a (for 2022 tax year)
Inpayments for the year 2023 can only be made from 3 January 2023.Final deadline 28.12.2022Service Submission of order forms for funds from PostFinance at the counterFinal deadline 23.12.2022Written orders
- Envelope received at the PostFinance Operations Center
- For transfers, the due date is the day after the “Final deadline” date
Service Final deadline Service Transfers to a PostFinance account in SwitzerlandFinal deadline 29.12.2022Service Transfers to bank accounts in SwitzerlandFinal deadline 28.12.2022Service Transfers to retirement savings account 3a (for 2022 tax year)
Inpayments for the year 2023 can only be made from 3 January 2023.Final deadline 28.12.2022Service Order forms for funds from PostFinanceFinal deadline 28.12.2022, 10.00 a.m.Service Order forms for third-party fundsFinal deadline 23.12.2022Electronic orders (e-finance)
- Entry and approval of payments/orders completed
- For transfers, the due date is the day after the “Final deadline” date
Service Final deadline Service Transfers to a PostFinance account in SwitzerlandFinal deadline 29.12.2022, 11:59 p.m.Service Transfers to a PostFinance account in Switzerland via SameDayFinal deadline 30.12.2022, 12.00 noonService Transfers to a PostFinance account in Switzerland via express payment in CHFFinal deadline 30.12.2022, 6.00 p.m.Service Transfers to a PostFinance account in Switzerland via express payment in foreign currencyFinal deadline 30.12.2022, 6.00 p.m.Service Transfers to a bank account in SwitzerlandFinal deadline 29.12.2022, 11:59 p.m.Service Transfers to a bank account in Switzerland via SameDayFinal deadline 30.12.2022, 12.00 noonService Transfers to a bank account in Switzerland via express payment in CHFFinal deadline 30.12.2022, 4.00 p.m.Service Transfers to a bank account in Switzerland via express payment in foreign currencyFinal deadline 30.12.2022, 1.00 p.m.Service Transfers to retirement savings account 3a (for 2022 tax year)
Inpayments for the year 2023 can only be made from 3 January 2023.Final deadline 29.12.2022, 11.59 p.m.Service Fund orders for the retirement savings account 3a (in e-finance)Final deadline 29.12.2022, 10.00 a.m.Service Fund orders for fund self-service
Orders for funds from PostFinanceFinal deadline 29.12.2022, 01.30 p.m.Service Fund orders for fund self-service
Orders for third-party fundsFinal deadline 23.12.2022Service One-time, instant transfers between PostFinance accountsFinal deadline 30.12.2022, 11:59 p.m.International payments
The deadlines for international payments depend on the product selection and destination country.
- More information on international payment transactions
Standing orders
Standing orders with due date Saturday, 31.12.2022, Sunday, 01.01.2023 and Monday, 02.01.2023 will be executed on Friday, 30.12.2022. If the “after public holiday” option is selected for these standing orders, they will not be executed until Tuesday, 03.01.2023.
“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 3 p.m. on 23.12.2022 will be sent by Swiss Bankers on the same day.
- Swiss Bankers will be closed from 24.12.2022 to 26.12.2022.
New Year:
- Orders received before 3 p.m. on 30.12.2022 will be sent by Swiss Bankers on the same day.
- Swiss Bankers will be closed from 31.12.2022 to 02.01.2023.
Please note: exotic currencies and orders exceeding CHF 20,000 have a longer delivery period. These are delivered one working day later.
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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 23.12.2022Latest delivery and approval date always 12:00 noon 23.12.2022Due date of the order 23.12.2022PostFinance value date 23.12.2022Date 27.12.2022Latest delivery and approval date always 12:00 noon 27.12.2022Due date of the order 27.12.2022PostFinance value date 27.12.2022Date 28.12.2022Latest delivery and approval date always 12:00 noon 28.12.2022Due date of the order 28.12.2022PostFinance value date 28.12.2022Date 29.12.2022Latest delivery and approval date always 12:00 noon 29.12.2022Due date of the order 29.12.2022PostFinance value date 29.12.2022Date 30.12.2022Latest delivery and approval date always 12:00 noon 30.12.2022Due date of the order 30.12.2022PostFinance value date 30.12.2022Date 03.01.2023Latest delivery and approval date always 12:00 noon 03.01.2023Due date of the order 03.01.2023PostFinance value date 03.01.2023EPO 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:
24.12.2022, 25.12.2022, 26.12.2022, 31.12.2022 and 01.01.2023 and 02.01.2023Express 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.
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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 19.12.2022Latest delivery and approval date always 11.59 p.m. 18.12.2022Due date of the order 19.12.2022PostFinance value date 19.12.2022Date 20.12.2022Latest delivery and approval date always 11.59 p.m. 19.12.2022Due date of the order 20.12.2022PostFinance value date 20.12.2022Date 21.12.2022Latest delivery and approval date always 11.59 p.m. 20.12.2022Due date of the order 21.12.2022PostFinance value date 21.12.2022Date 22.12.2022Latest delivery and approval date always 11.59 p.m. 21.12.2022Due date of the order 22.12.2022PostFinance value date 22.12.2022Date 23.12.2022Latest delivery and approval date always 11.59 p.m. 22.12.2022Due date of the order 23.12.2022PostFinance value date 23.12.2022Date 27.12.2022Latest delivery and approval date always 11.59 p.m. 26.12.2022Due date of the order 27.12.2022PostFinance value date 27.12.2022Date 28.12.2022Latest delivery and approval date always 11.59 p.m. 27.12.2022Due date of the order 28.12.2022PostFinance value date 28.12.2022Date 29.12.2022Latest delivery and approval date always 11.59 p.m. 28.12.2022Due date of the order 29.12.2022PostFinance value date 29.12.2022Date 30.12.2022Latest delivery and approval date always 11.59 p.m. 29.12.2022Due date of the order 30.12.2022PostFinance value date 30.12.2022Date 03.01.2023Latest delivery and approval date always 11.59 p.m. 02.01.2023Due date of the order 03.01.2023PostFinance value date 03.01.2023No processing on the following dates:
17.12.2022, 18.12.2022, 24.12.2022, 25.12.2022, 26.12.2022, 31.12.2022 and 01.01.2023 and 02.01.2023Orders 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.
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Processing date / booking date Data delivery PostFinance value date Processing date / booking date 23.12.2022Data delivery by 06.00 a.m. on the following day at the latest 23.12.2022PostFinance value date 27.12.2022Processing date / booking date 27.12.2022Data delivery by 06.00 a.m. on the following day at the latest 27.12.2022PostFinance value date 28.12.2022Processing date / booking date 28.12.2022Data delivery by 06.00 a.m. on the following day at the latest 28.12.2022PostFinance value date 29.12.2022Processing date / booking date 29.12.2022Data delivery by 06.00 a.m. on the following day at the latest 29.12.2022PostFinance value date 30.12.2022Processing date / booking date 30.12.2022Data delivery by 06.00 a.m. on the following day at the latest 30.12.2022PostFinance value date 03.01.2023Processing date / booking date 03.01.2023Data delivery by 06.00 a.m. on the following day at the latest 03.01.2023PostFinance value date 04.01.2023No processing on the following dates:
24.12.2022, 25.12.2022, 26.12.2022, 31.12.2022 and 01.01.2023 and 02.01.2023The data is delivered at the frequency required in accordance with the OSR manual.
Year-end automatic special delivery is set up on 29.12.2022 for all active OSR customers (exception: where periodicity is daily).
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Date MT101 same day MT101 with due date latest delivery Due date of the order PostFinance value date Date 23.12.2022MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 23.12.2022MT101 with due date latest delivery always 11.59 p.m. 22.12.2022Due date of the order 23.12.2022PostFinance value date 23.12.2022Date 27.12.2022MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 27.12.2022MT101 with due date latest delivery always 11.59 p.m. 26.12.2022Due date of the order 27.12.2022PostFinance value date 27.12.2022Date 28.12.2022MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 28.12.2022MT101 with due date latest delivery always 11.59 p.m. 27.12.2022Due date of the order 28.12.2022PostFinance value date 28.12.2022Date 29.12.2022MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 29.12.2022MT101 with due date latest delivery always 11.59 p.m. 28.12.2022Due date of the order 29.12.2022PostFinance value date 29.12.2022Date 30.12.2022MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 30.12.2022MT101 with due date latest delivery always 11.59 p.m. 29.12.2022Due date of the order 30.12.2022PostFinance value date 30.12.2022Date 03.01.2023MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 03.01.2023MT101 with due date latest delivery always 11.59 p.m. 02.01.2023Due date of the order 03.01.2023PostFinance value date 03.01.2023No processing on the following dates:
24.12.2022, 25.12.2022, 26.12.2022, 31.12.2022 and 01.01.2023 and 02.01.2023Information 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.
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Processing date / booking date
Data delivery Value date Processing date / booking date 23.12.2022Data delivery by 06.00 a.m. on the following day at the latest 23.12.2022Value date 23.12.2022Processing date / booking date 27.12.2022Data delivery by 06.00 a.m. on the following day at the latest 27.12.2022Value date 27.12.2022Processing date / booking date 28.12.2022Data delivery by 06.00 a.m. on the following day at the latest 28.12.2022Value date 28.12.2022Processing date / booking date 29.12.2022Data delivery by 06.00 a.m. on the following day at the latest 29.12.2022Value date 29.12.2022Processing date / booking date 30.12.2022Data delivery by 06.00 a.m. on the following day at the latest 30.12.2022Value date 30.12.2022Processing date / booking date 03.01.2023Data delivery by 06.00 a.m. on the following day at the latest 03.01.2023Value date 03.01.2023No processing on the following dates:
24.12.2022, 25.12.2022, 26.12.2022, 31.12.2022 and 01.01.2023 and 02.01.2023The 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 31.12.2022 for all customers with an active QR-bill virtual account (exception: where periodicity is daily).