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Service hours for payments

Service hours i.e. cut-off times for most common services

When a payment arrives at OP Financial Group during our service hours, we will usually process it on the same day. When a payment arrives after the service hours mentioned below, we process the payment on the following business day. Business day is a day on which the payer’s or the payee’s bank is open for business and thus able to execute a payment order for its part. On Maundy Thursday and New Year's Eve or other special service hours announced separately, we apply the cut-off times mentioned in brackets below.

Service hours i.e. cut-off times for most common services (special service hours)

OP eServices:

  • OP Financial Group’s internal, real-time credit transfer at 12 midnight
  • SEPA credit transfers with same day value to other banks at 2 pm
  • SEPA credit transfers at 9 pm
  • International payments at 4.50 pm (12 noon)

Service at branches, according to the opening hours of each branch, but no later than:

  • SEPA credit transfers at 7.30 pm
  • International payments at 4 pm (11.50 am)
  • Real-time urgent payments at 4 pm (1.30 pm)

Corporate banking connection (Web Services) channel and OP eServices for small corporate and institutional customers data transfer channel:

  • SEPA credit transfers with same day value to other banks at 2 pm
  • SEPA credit transfers and recurring payments (C2B) at 6 pm
  • International payments (C2B) at 5 pm (12.00 noon)
  • Finance Company Services' factoring invoices at 1 pm
  • Real-time urgent payments at 4.30 pm (1.30 pm)
  • Urgent payment in file format at 3.30 pm (12.30 pm)

Payloads sent will be processed further according to the following daily schedule:

  • SEPA payments (C2B) and SEPA recurring payments (C2B) at 2.30 a.m., then 7.00 a.m. to 6.00 p.m. every 30 minutes.
  • C2B urgent payments among a SEPA payload 8.00 a.m. to 3.30 p.m. every 30 minutes.
  • Outgoing international payments (C2B) at 2.30 a.m., then 7.00 a.m. to 5.00 p.m. every 30 minutes.
  • Real-time C2B urgent payments 8.00 a.m. to 4.30 p.m. in real-time.

Cash management service:

  • OP Financial Group’s internal, real-time credit transfer at 12 midnight
  • SEPA credit transfers with same day value to other banks at 2 pm
  • SEPA credit transfers at 8.50 pm
  • International payments at 4.50 pm (11.50 am)
  • Real-time urgent payments at 3.45 pm (1.15 pm)

Response messages for processed payments (in camt format) are generated at 12 noon, 3 pm, 6 pm and 9.30 pm for successful payments processed by that cut-off time.

We report payments that lack sufficient funds using a 3rd phase 'Pain' payment report, available for retrieval in the Web Services channel or in the OP eServices for small corporate and institutional customers data transfer channel approximately 30 minutes after the processing of the payload.