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.
Year-end processing 2023/2024
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 28.12.2023Service Inpayments into your own PostFinance business account using the PostFinance CardFinal deadline 31.12.2023, 07.30 p.m.Service Inpayments to bank accounts in SwitzerlandFinal deadline 28.12.2023Service Cash withdrawals with the PostFinance Card at the post office counterFinal deadline 31.12.2023Service Cash withdrawals with the PostFinance Card from the PostomatFinal deadline 31.12.2023, 12 noonService 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 27.12.2023Service Submission of order forms for PostFinance Fonds at the counterFinal deadline 22.12.2023Written 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 27.12.2023Service Transfers to bank accounts in SwitzerlandFinal deadline 27.12.2023Service 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 27.12.2023Service Order forms for PostFinance FondsFinal deadline 27.12.2023Service Order forms for third-party fundsFinal deadline 21.12.2023Electronic orders via 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 28.12.2023, 11.59 p.m.Service Transfers to a PostFinance account in Switzerland via SameDayFinal deadline 29.12.2023, 12.00 noonService Transfers to a PostFinance account in Switzerland via express payment in CHFFinal deadline 29.12.2023, 06.00 p.m.Service Transfers to a PostFinance account in Switzerland via express payment in foreign currencyFinal deadline 29.12.2023, 06.00 p.m.Service Transfers to a bank account in SwitzerlandFinal deadline 28.12.2023, 11.59 p.m.Service Transfers to a bank account in Switzerland via SameDayFinal deadline 29.12.2023, 12.00 noonService Transfers to a bank account in Switzerland via express payment in CHFFinal deadline 29.12.2023, 04.00 p.m.Service Transfers to a bank account in Switzerland via express payment in foreign currencyFinal 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 FondsFinal deadline 28.12.2023, 01.30 p.m.Service Fund orders for fund self-service
Orders for third-party fundsFinal deadline 21.12.2023Service Orders for medium-term notesFinal deadline 28.12.2023Service One-time, instant transfers between PostFinance accountsFinal 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.
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Delivery via e-finance or file transfer for business customers
Execution date Latest delivery and approval date Due date of the order PostFinance value date Execution date 22.12.2023Latest delivery and approval date always 12:00 noon 22.12.2023Due date of the order 22.12.2023PostFinance value date 22.12.2023Execution date 27.12.2023Latest delivery and approval date always 12:00 noon 27.12.2023Due date of the order 27.12.2023PostFinance value date 27.12.2023Execution date 28.12.2023Latest delivery and approval date always 12:00 noon 28.12.2023Due date of the order 28.12.2023PostFinance value date 28.12.2023Execution date 29.12.2023Latest delivery and approval date always 12:00 noon 29.12.2023Due date of the order 29.12.2023PostFinance value date 29.12.2023Execution date 03.01.2024Latest delivery and approval date always 12:00 noon 03.01.2024Due date of the order 03.01.2024PostFinance value date 03.01.2024EPO 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 02.01.2024Express 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
Execution date Latest delivery and approval date Due date of the order PostFinance value date Execution date 18.12.2023Latest delivery and approval date always 11.59 p.m. 17.12.2023Due date of the order 18.12.2023PostFinance value date 18.12.2023Execution date 19.12.2023Latest delivery and approval date always 11.59 p.m. 18.12.2023Due date of the order 19.12.2023PostFinance value date 19.12.2023Execution date 20.12.2023Latest delivery and approval date always 11.59 p.m. 19.12.2023Due date of the order 20.12.2023PostFinance value date 20.12.2023Execution date 21.12.2023Latest delivery and approval date always 11.59 p.m. 20.12.2023Due date of the order 21.12.2023PostFinance value date 21.12.2023Execution date 22.12.2023Latest delivery and approval date always 11.59 p.m. 21.12.2023Due date of the order 22.12.2023PostFinance value date 22.12.2023Execution date 27.12.2023Latest delivery and approval date always 11.59 p.m. 26.12.2023Due date of the order 27.12.2023PostFinance value date 27.12.2023Execution date 28.12.2023Latest delivery and approval date always 11.59 p.m. 27.12.2023Due date of the order 28.12.2023PostFinance value date 28.12.2023Execution date 29.12.2023Latest delivery and approval date always 11.59 p.m. 28.12.2023Due date of the order 29.12.2023PostFinance value date 29.12.2023Execution date 03.01.2024Latest delivery and approval date always 11.59 p.m. 02.01.2024Due date of the order 03.01.2024PostFinance value date 03.01.2024No 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 02.01.2024Orders 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 22.12.2023Data delivery by 06.00 a.m. on the following day at the latest 22.12.2023PostFinance value date 27.12.2023Processing date / booking date 27.12.2023Data delivery by 06.00 a.m. on the following day at the latest 27.12.2023PostFinance value date 28.12.2023Processing date / booking date 28.12.2023Data delivery by 06.00 a.m. on the following day at the latest 28.12.2023PostFinance value date 29.12.2023Processing date / booking date 29.12.2023Data delivery by 06.00 a.m. on the following day at the latest 29.12.2023PostFinance value date 03.01.2024Processing date / booking date 03.01.2024Data delivery by 06.00 a.m. on the following day at the latest 03.01.2024PostFinance value date 04.01.2024No 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 02.01.2024Year-end automatic special delivery is set up on 28.12.2023 for all active OSR customers (exception: where periodicity is daily).
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Execution date MT101 same day MT101 with due date latest delivery Due date of the order PostFinance value date Execution date 22.12.2023MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 22.12.2023MT101 with due date latest delivery always 11.59 p.m. 21.12.2023Due date of the order 22.12.2023PostFinance value date 22.12.2023Execution date 27.12.2023MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 27.12.2023MT101 with due date latest delivery always 11.59 p.m. 26.12.2023Due date of the order 27.12.2023PostFinance value date 27.12.2023Execution date 28.12.2023MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 28.12.2023MT101 with due date latest delivery always 11.59 p.m. 27.12.2023Due date of the order 28.12.2023PostFinance value date 28.12.2023Execution date 29.12.2023MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 29.12.2023MT101 with due date latest delivery always 11.59 p.m. 28.12.2023Due date of the order 29.12.2023PostFinance value date 29.12.2023Execution date 03.01.2024MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 03.01.2024MT101 with due date latest delivery always 11.59 p.m. 02.01.2024Due date of the order 03.01.2024PostFinance value date 03.01.2024No 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 02.01.2024Information 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.
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Processing date / booking date
Data delivery Value date Processing date / booking date 22.12.2023Data delivery by 06.00 a.m. on the following day at the latest 22.12.2023Value date 22.12.2023Processing date / booking date 27.12.2023Data delivery by 06.00 a.m. on the following day at the latest 27.12.2023Value date 27.12.2023Processing date / booking date 28.12.2023Data delivery by 06.00 a.m. on the following day at the latest 28.12.2023Value date 28.12.2023Processing date / booking date 29.12.2023Data delivery by 06.00 a.m. on the following day at the latest 29.12.2023Value date 29.12.2023Processing date / booking date 03.01.2024Data delivery by 06.00 a.m. on the following day at the latest 03.01.2024Value date 03.01.2024No 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 02.01.2024The 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).