If the payee's account is held with OP Financial Group, euro payments will arrive in the payee's account immediately. OP seeks to send payments to other financial institutions and to the SEPA euro payments area as SEPA instant credit transfers, in which case payments made on OP's digital services are transmitted to the payee immediately.
If a payment can't be sent as a SEPA instant credit transfer, domestic euro payments to another domestic bank will go through on the same day provided that the payment has been made by 14.00. Payments made after this will arrive on the following working day.
International payments that you've confirmed by 17.00 on a business day will in most cases be debited on the same day. Payments that you've confirmed after 17.00 or during non-business days (e.g. public holidays or weekends) will be debited on the following business day.
A payment instruction is usually transmitted to the payee on the same day if the receiving bank is a GPI bank and the payment is in one of the following currencies: EUR, GBP, USD, SEK, NOK, CHF, DKK, CAD or PLN. Otherwise, the payment is transmitted in 1–5 days. An instant payment instruction is transmitted to the payee on the following day.
The final delivery time will depend on the actions of the payee bank and intermediary banks, for which the payer's bank cannot be held responsible.