Year-end processing 2023/2024

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.

  • Payments at the counter, transfers and cash withdrawals which are to be booked on time in 2023 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
    28.12.2023
    Service
    Inpayments into your own PostFinance business account using the PostFinance Card
    Final deadline
    31.12.2023, 07.30 p.m.
    Service
    Inpayments to bank accounts in Switzerland
    Final deadline
    28.12.2023
    Service
    Cash withdrawals with the PostFinance Card at the post office counter
    Final deadline
    31.12.2023
    Service
    Cash withdrawals with the PostFinance Card from the Postomat
    Final deadline
    31.12.2023, 12 noon
    Service
    Inpayments to the retirement savings account 3a (for 2023 tax year)
    Inpayments for the year 2024 can only be made from 3 January 2024.
    Final deadline
    27.12.2023
    Service
    Submission of order forms for PostFinance Fonds at the counter
    Final deadline
    22.12.2023

    Written orders

    • Envelope received at the PostFinance Operations Center
    • For transfers, the due date is the day after the “Final deadline” date
    ServiceFinal deadline
    Service
    Transfers to a PostFinance account in Switzerland
    Final deadline
    27.12.2023
    Service
    Transfers to bank accounts in Switzerland
    Final deadline
    27.12.2023
    Service
    Transfers to retirement savings account 3a (for 2023 tax year)
    Inpayments for the year 2024 can only be made from 3 January 2024.
    Final deadline
    27.12.2023
    Service
    Order forms for PostFinance Fonds
    Final deadline
    27.12.2023
    Service
    Order forms for third-party funds
    Final deadline
    21.12.2023

    Electronic orders via e-finance

    • Entry and approval of payments/orders completed
    • For transfers, the due date is the day after the “Final deadline” date
    ServiceFinal deadline
    Service
    Transfers to a PostFinance account in Switzerland
    Final deadline
    28.12.2023, 11.59 p.m.
    Service
    Transfers to a PostFinance account in Switzerland via SameDay
    Final deadline
    29.12.2023, 12.00 noon
    Service
    Transfers to a PostFinance account in Switzerland via express payment in CHF
    Final deadline
    29.12.2023, 06.00 p.m.
    Service
    Transfers to a PostFinance account in Switzerland via express payment in foreign currency
    Final deadline
    29.12.2023, 06.00 p.m.
    Service
    Transfers to a bank account in Switzerland
    Final deadline
    28.12.2023, 11.59 p.m.
    Service
    Transfers to a bank account in Switzerland via SameDay
    Final deadline
    29.12.2023, 12.00 noon
    Service
    Transfers to a bank account in Switzerland via express payment in CHF
    Final deadline
    29.12.2023, 04.00 p.m.
    Service
    Transfers to a bank account in Switzerland via express payment in foreign currency
    Final deadline
    29.12.2023, 01.00 p.m.
    Service
    Transfers to retirement savings account 3a (for 2023 tax year)
    Inpayments for the year 2024 can only be made from 3 January 2024.
    Final deadline
    28.12.2023, 11.59 p.m.
    Service
    Fund orders for the retirement savings account 3a (in e-finance)
    Final deadline
    28.12.2023, 10.00 a.m.
    Service
    Fund orders for fund self-service
    Orders for PostFinance Fonds
    Final deadline
    28.12.2023, 01.30 p.m.
    Service
    Fund orders for fund self-service
    Orders for third-party funds
    Final deadline
    21.12.2023
    Service
    Orders for medium-term notes
    Final deadline
    28.12.2023
    Service
    One-time, instant transfers between PostFinance accounts
    Final deadline
    31.12.2023, 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 Saturday, 30.12.2023, Sunday, 31.12.2023, Monday 01.01.2024 and Tuesday, 02.01.2024 will be executed on Friday, 29.12.2023. If the “after public holiday” option is selected for these standing orders, they will not be executed until Wednesday, 03.01.2024.

    “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 2 p.m. on 22.12.2023 will be sent by Swiss Bankers on the same day.
    • Swiss Bankers will be closed from 30.12.2023 to 02.01.2024.

    New Year:

    • Orders received before 2 p.m. on 29.12.2023 will be sent by Swiss Bankers on the same day.
    • Swiss Bankers will be closed from 30.12.2023 to 02.01.2024.

    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 dateLatest delivery and approval date Due date of the orderPostFinance value date
    Execution date
    22.12.2023
    Latest delivery and approval date always 12:00 noon
    22.12.2023
    Due date of the order
    22.12.2023
    PostFinance value date
    22.12.2023
    Execution date
    27.12.2023
    Latest delivery and approval date always 12:00 noon
    27.12.2023
    Due date of the order
    27.12.2023
    PostFinance value date
    27.12.2023
    Execution date
    28.12.2023
    Latest delivery and approval date always 12:00 noon
    28.12.2023
    Due date of the order
    28.12.2023
    PostFinance value date
    28.12.2023
    Execution date
    29.12.2023
    Latest delivery and approval date always 12:00 noon
    29.12.2023
    Due date of the order
    29.12.2023
    PostFinance value date
    29.12.2023
    Execution date
    03.01.2024
    Latest delivery and approval date always 12:00 noon
    03.01.2024
    Due date of the order
    03.01.2024
    PostFinance value date
    03.01.2024

    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:
    23.12.2023, 24.12.2023, 25.12.2023, 26.12.2023, 30.12.2023, 31.12.2023 and 01.01.2024 and 02.01.2024

    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 dateLatest delivery and approval date Due date of the orderPostFinance value date
    Execution date
    18.12.2023
    Latest delivery and approval date always 11.59 p.m.
    17.12.2023
    Due date of the order
    18.12.2023
    PostFinance value date
    18.12.2023
    Execution date
    19.12.2023
    Latest delivery and approval date always 11.59 p.m.
    18.12.2023
    Due date of the order
    19.12.2023
    PostFinance value date
    19.12.2023
    Execution date
    20.12.2023
    Latest delivery and approval date always 11.59 p.m.
    19.12.2023
    Due date of the order
    20.12.2023
    PostFinance value date
    20.12.2023
    Execution date
    21.12.2023
    Latest delivery and approval date always 11.59 p.m.
    20.12.2023
    Due date of the order
    21.12.2023
    PostFinance value date
    21.12.2023
    Execution date
    22.12.2023
    Latest delivery and approval date always 11.59 p.m.
    21.12.2023
    Due date of the order
    22.12.2023
    PostFinance value date
    22.12.2023
    Execution date
    27.12.2023
    Latest delivery and approval date always 11.59 p.m.
    26.12.2023
    Due date of the order
    27.12.2023
    PostFinance value date
    27.12.2023
    Execution date
    28.12.2023
    Latest delivery and approval date always 11.59 p.m.
    27.12.2023
    Due date of the order
    28.12.2023
    PostFinance value date
    28.12.2023
    Execution date
    29.12.2023
    Latest delivery and approval date always 11.59 p.m.
    28.12.2023
    Due date of the order
    29.12.2023
    PostFinance value date
    29.12.2023
    Execution date
    03.01.2024
    Latest delivery and approval date always 11.59 p.m.
    02.01.2024
    Due date of the order
    03.01.2024
    PostFinance value date
    03.01.2024

    No processing on the following dates:
    16.12.2023, 17.12.2023, 23.12.2023, 24.12.2023, 25.12.2023, 26.12.2023, 30.12.2023, 31.12.2023 and 01.01.2024 and 02.01.2024

    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
    22.12.2023
    Data delivery by 06.00 a.m. on the following day at the latest
    22.12.2023
    PostFinance value date
    27.12.2023
    Processing date / booking date
    27.12.2023
    Data delivery by 06.00 a.m. on the following day at the latest
    27.12.2023
    PostFinance value date
    28.12.2023
    Processing date / booking date
    28.12.2023
    Data delivery by 06.00 a.m. on the following day at the latest
    28.12.2023
    PostFinance value date
    29.12.2023
    Processing date / booking date
    29.12.2023
    Data delivery by 06.00 a.m. on the following day at the latest
    29.12.2023
    PostFinance value date
    03.01.2024
    Processing date / booking date
    03.01.2024
    Data delivery by 06.00 a.m. on the following day at the latest
    03.01.2024
    PostFinance value date
    04.01.2024

    No processing on the following dates:
    23.12.2023, 24.12.2023, 25.12.2023, 26.12.2023, 30.12.2023, 31.12.2023 and 01.01.2024 and 02.01.2024

    Year-end automatic special delivery is set up on 28.12.2023 for all active OSR customers (exception: where periodicity is daily).

  • Execution dateMT101 same day MT101 with due date latest deliveryDue date of the orderPostFinance value date
    Execution date
    22.12.2023
    MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    22.12.2023
    MT101 with due date latest delivery always 11.59 p.m.
    21.12.2023
    Due date of the order
    22.12.2023
    PostFinance value date
    22.12.2023
    Execution date
    27.12.2023
    MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    27.12.2023
    MT101 with due date latest delivery always 11.59 p.m.
    26.12.2023
    Due date of the order
    27.12.2023
    PostFinance value date
    27.12.2023
    Execution date
    28.12.2023
    MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    28.12.2023
    MT101 with due date latest delivery always 11.59 p.m.
    27.12.2023
    Due date of the order
    28.12.2023
    PostFinance value date
    28.12.2023
    Execution date
    29.12.2023
    MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    29.12.2023
    MT101 with due date latest delivery always 11.59 p.m.
    28.12.2023
    Due date of the order
    29.12.2023
    PostFinance value date
    29.12.2023
    Execution date
    03.01.2024
    MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders
    03.01.2024
    MT101 with due date latest delivery always 11.59 p.m.
    02.01.2024
    Due date of the order
    03.01.2024
    PostFinance value date
    03.01.2024

    No processing on the following dates:
    23.12.2023, 24.12.2023, 25.12.2023, 26.12.2023, 30.12.2023, 31.12.2023 and 01.01.2024 and 02.01.2024

    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
    22.12.2023
    Data delivery by 06.00 a.m. on the following day at the latest
    22.12.2023
    Value date
    22.12.2023
    Processing date / booking date
    27.12.2023
    Data delivery by 06.00 a.m. on the following day at the latest
    27.12.2023
    Value date
    27.12.2023
    Processing date / booking date
    28.12.2023
    Data delivery by 06.00 a.m. on the following day at the latest
    28.12.2023
    Value date
    28.12.2023
    Processing date / booking date
    29.12.2023
    Data delivery by 06.00 a.m. on the following day at the latest
    29.12.2023
    Value date
    29.12.2023
    Processing date / booking date
    03.01.2024
    Data delivery by 06.00 a.m. on the following day at the latest
    03.01.2024
    Value date
    03.01.2024

    No processing on the following dates:
    23.12.2023, 24.12.2023, 25.12.2023, 26.12.2023, 30.12.2023, 31.12.2023 and 01.01.2024 and 02.01.2024

    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 31.12.2023 for all customers with an active QR-bill virtual account (exception: where periodicity is daily).