Service hours and exceptional payment schedules

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

Service hours

The last processing times for our most common payment services on business days (weekdays):

OP eServices (incl. OP Corporate Hub)

  • OP Financial Group’s internal, real-time credit transfer by 12 midnight
  • SEPA credit transfers to other financial institutions at the same value date by 14.00
  • SEPA credit transfers by 21.00
  • Real-time SEPA instant transfer by 12 midnight
  • International payments by 16.50 

Banking connection channel for businesses (Web Services) and the op.fi service file transfer

  • SEPA credit transfers to other financial institutions at the same value date by 14.00
  • SEPA credit transfers and recurring payments (C2B) by 18.00
  • International payments (C2B) by 17.00
  • Real-time express transfer by 16.30 (SEPA instant credit transfer by 12 midnight)
  • Real-time express transfer in file format (SEPA instant credit transfer by 18.00)

The file-specific processing times can be found here: Services on the WS channel and the processing times and size restrictions

Service at branches, according to teller services opening hours, but no later than:

  • SEPA credit transfers by 21.00
  • International payments by 16.00
  • Real-time express transfer by 16.00

OP Corporate Banking APIs

  • OP Financial Group’s internal, real-time credit transfer by 12 midnight
  • SEPA credit transfers to other financial institutions at the same value date by 14.00
  • SEPA credit transfers by 21.00
  • Real-time SEPA instant credit transfer at 12 midnight

Cash Management Service

  • OP Financial Group’s internal, real-time credit transfer by 12 midnight
  • SEPA credit transfers to other financial institutions at the same value date by 14.00
  • SEPA credit transfers by 20.50 pm
  • International payments by 16.50
  • Real-time express transfer by 15.45

Exceptional schedules

Holidays falling on business days or weekdays affect the payment processing times. Our online and file transfer channels are available to you on mid-week holidays 24/7 for sending and receiving files but the files will not be processed until the first business day following the mid-week holiday.

These days are:

  • New Year’s Day on 1 January
  • Epiphany on 6 January
  • Good Friday
  • Easter Monday
  • May Day on 1 May
  • Ascension Day
  • Midsummer Eve
  • Independence day on 6 December
  • Christmas Eve on 24 December, Christmas Day on 25 December and Boxing Day on 26 December.

In addition, Maundy Thursday and New Year’s Eve are short business days. Read more information below.

Short business days

Maundy Thursday and New Year’s Eve are short business days when international payment files and urgent payments must be available to the bank before the hours below:

  • Outgoing international payments by 12.00
  • Real-time urgent payments (excluding SEPA instant credit transfers) by 13.30
  • Urgent payments in file format (CB2) by 12.30

The last processing time for express transfers paid at a branch is 13.00.
 
The payment services for corporate customers are available from 8.00 to 13.00 on Maundy Thursday and New Year’s Eve at number 0100 05151.

Payments processed all around the year

  • Real-time payments made on the online services and as Siirto payments.
  • Real-time SEPA credit transfers are recorded immediately to the payee’s account 24/7 (between the banks involved in the service).
  • Payments made using the payments API solution.