Payments at the counter, transfers and cash withdrawals which are to be booked on time in 2024 or paid out must be carried out by the following deadlines.
Year-end processing 2024/2025
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 30.12.2024Service Inpayments into your own PostFinance business account using the PostFinance CardFinal deadline 31.12.2024, 07.30 p.m.Service Inpayments to bank accounts in SwitzerlandFinal deadline 30.12.2024Service Cash withdrawals with the PostFinance Card at the post office counterFinal deadline 31.12.2024Service Cash withdrawals with the PostFinance Card from the PostomatFinal deadline 31.12.2024, 12 noonService Inpayments to the retirement savings account 3a (for 2024 tax year)
Inpayments for the year 2025 can only be made from 3 January 2025.Final deadline 27.12.2024Service Submission of order forms for PostFinance Fonds at the counterFinal deadline 23.12.2024Written orders
- Envelope received at the PostFinance Operations Center
- For transfers, the due date of the order is the day after the “Final deadline” date
Service Final deadline Service Transfers to a PostFinance account in SwitzerlandFinal deadline 30.12.2024Service Transfers to bank accounts in SwitzerlandFinal deadline 30.12.2024Service Transfers to retirement savings account 3a (for 2024 tax year)
Inpayments for the year 2025 can only be made from 3 January 2025.Final deadline 27.12.2024Service Order forms for PostFinance FondsFinal deadline 27.12.2024Service Order forms for third-party fundsFinal deadline 23.12.2024Electronic orders via e-finance
- Entry and approval of payments/orders completed
- For transfers, the due date of the order is the day after the “Final deadline” date
Service Final deadline Service Transfers to a PostFinance account in SwitzerlandFinal deadline 30.12.2024, 11.59 p.m.Service Transfers to a PostFinance account in Switzerland via SameDayFinal deadline 31.12.2024, 12.00 noonService Transfers to a PostFinance account in Switzerland via express payment in CHFFinal deadline 31.12.2024, 06.00 p.m.Service Transfers to a PostFinance account in Switzerland via express payment in foreign currencyFinal deadline 31.12.2024, 06.00 p.m.Service Transfers to a bank account in SwitzerlandFinal deadline 30.12.2024, 11.59 p.m.Service Transfers to a bank account in Switzerland via SameDayFinal deadline 31.12.2024, 12.00 noonService Transfers to a bank account in Switzerland via express payment in CHFFinal deadline 31.12.2024, 04.00 p.m.Service Transfers to a bank account in Switzerland via express payment in foreign currencyFinal deadline 31.12.2024, 01.00 p.m.Service Transfers to retirement savings account 3a (for 2024 tax year)
Inpayments for the year 2025 can only be made from 3 January 2025.Final deadline 30.12.2024, 11.59 p.m.Service Fund orders for the retirement savings account 3a (in e-finance)Final deadline 30.12.2024, 10.00 a.m.Service Fund orders for fund self-service
Orders for PostFinance FondsFinal deadline 27.12.2024, 01.30 p.m.Service Fund orders for fund self-service
Orders for third-party fundsFinal deadline 23.12.2024Service Orders for medium-term notesFinal deadline 27.12.2024, 11.59 p.m.Service One-time, immediate transfers between PostFinance accountsFinal deadline 31.12.2024, 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 Wednesday, 01.01.2025 and Thursday, 02.01.2025 be executed on Tuesday, 31.12.2024. If the “after public holiday” option is selected for these standing orders, they will not be executed until Friday, 03.01.2025.
“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 10 a.m. on 24.12.2024 will be sent by Swiss Bankers on the same day.
- Swiss Bankers will be closed from 25.12.2024 and 26.12.2024.
New Year:
- Orders received before 10 a.m. on 31.12.2024 will be sent by Swiss Bankers on the same day.
- Swiss Bankers will be closed at 01.01.2025 and 02.01.2025.
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 24.12.2024Latest delivery and approval date always 12:00 noon 24.12.2024Due date of the order 24.12.2024PostFinance value date 24.12.2024Execution date 27.12.2024Latest delivery and approval date always 12:00 noon 27.12.2024Due date of the order 27.12.2024PostFinance value date 27.12.2024Execution date 30.12.2024Latest delivery and approval date always 12:00 noon 30.12.2024Due date of the order 30.12.2024PostFinance value date 30.12.2024Execution date 31.12.2024Latest delivery and approval date always 12:00 noon 31.12.2024Due date of the order 31.12.2024PostFinance value date 31.12.2024Execution date 03.01.2025Latest delivery and approval date always 12:00 noon 03.01.2025Due date of the order 03.01.2025PostFinance value date 03.01.2025EPO 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:
25.12.2024, 26.12.2024, and 01.01.2025 and 02.01.2025Express 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 23.12.2024Latest delivery and approval date always 11.00 p.m. 22.12.2024Due date of the order 23.12.2024PostFinance value date 23.12.2024Execution date 24.12.2024Latest delivery and approval date always 11.00 p.m. 23.12.2024Due date of the order 24.12.2024PostFinance value date 24.12.2024Execution date 27.12.2024Latest delivery and approval date always 11.00 p.m. 26.12.2024Due date of the order 27.12.2024PostFinance value date 27.12.2024Execution date 30.12.2024Latest delivery and approval date always 11.00 p.m. 29.12.2024Due date of the order 30.12.2024PostFinance value date 30.12.2024Execution date 31.12.2024Latest delivery and approval date always 11.00 p.m. 30.12.2024Due date of the order 31.12.2024PostFinance value date 31.12.2024Execution date 03.01.2025Latest delivery and approval date always 11.00 p.m. 02.01.2025Due date of the order 03.01.2025PostFinance value date 03.01.2025No processing on the following dates:
25.12.2024, 26.12.2024, 28.12.2024, 29.12.2024 and 01.01.2025 and 02.01.2025Orders 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 24.12.2024Data delivery by 06.00 a.m. on the following day at the latest 24.12.2024PostFinance value date 27.12.2024Processing date / booking date 27.12.2024Data delivery by 06.00 a.m. on the following day at the latest 27.12.2024PostFinance value date 30.12.2024Processing date / booking date 30.12.2024Data delivery by 06.00 a.m. on the following day at the latest 30.12.2024PostFinance value date 31.12.2024Processing date / booking date 31.12.2024Data delivery by 06.00 a.m. on the following day at the latest 31.12.2024PostFinance value date 03.01.2025Processing date / booking date 03.01.2025Data delivery by 06.00 a.m. on the following day at the latest 03.01.2025PostFinance value date 06.01.2025No processing on the following dates:
25.12.2024, 26.12.2024 and 01.01.2025 and 02.01.2025The data will be delivered in accordance with the OSR manual with the selected level of frequency.
Year-end automatic special delivery is set up on 30.12.2024 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 24.12.2024MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 24.12.2024MT101 with due date latest delivery always 11.59 p.m. 23.12.2024Due date of the order 24.12.2024PostFinance value date 24.12.2024Execution date 27.12.2024MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 27.12.2024MT101 with due date latest delivery always 11.59 p.m. 26.12.2024Due date of the order 27.12.2024PostFinance value date 27.12.2024Execution date 30.12.2024MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 30.12.2024MT101 with due date latest delivery always 11.59 p.m. 29.12.2024Due date of the order 30.12.2024PostFinance value date 30.12.2024Execution date 31.12.2024MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 31.12.2024MT101 with due date latest delivery always 11.59 p.m. 30.12.2024Due date of the order 31.12.2024PostFinance value date 31.12.2024Execution date 03.01.2025MT101 same day Last delivery date and order due date. 6 p.m. is the final acceptance time for same-day orders 03.01.2025MT101 with due date latest delivery always 11.59 p.m. 02.01.2025Due date of the order 03.01.2025PostFinance value date 03.01.2025No processing on the following dates:
25.12.2024, 26.12.2024 and 01.01.2025 and 02.01.2025Information 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 24.12.2024Data delivery by 06.00 a.m. on the following day at the latest 24.12.2024Value date 24.12.2024Processing date / booking date 27.12.2024Data delivery by 06.00 a.m. on the following day at the latest 27.12.2024Value date 27.12.2024Processing date / booking date 30.12.2024Data delivery by 06.00 a.m. on the following day at the latest 30.12.2024Value date 30.12.2024Processing date / booking date 31.12.2024Data delivery by 06.00 a.m. on the following day at the latest 31.12.2024Value date 31.12.2024Processing date / booking date 03.01.2025Data delivery by 06.00 a.m. on the following day at the latest 03.01.2025Value date 03.01.2025No processing on the following dates:
25.12.2024, 26.12.2024 and 01.01.2025 and 02.01.2025The 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 31.12.2024 for all customers with an active QR-bill virtual account (exception: where periodicity is daily).
An exception is made for instant payments. These credits are entered individually on every day of the year and display the same value date. The data, on the other hand, are only delivered on regular delivery days. The corresponding days are listed in the table under “Data delivery”.