A payment order is regarded as issued when the payer’s bank has received it via a bank branch or the electronic service channel in a manner approved by the bank. In the table below, you can see how the execution date is determined. You can also get the information at bank branches.
Payment processing (Cut off) times – Service description
|
Type of payment |
Time of debit |
Time of credit |
|
Payments between OP accounts |
Immediately, even on a holiday |
Usually immediately, even on a holiday |
|
Euro payments from OP to another |
Usually immediately, even on a |
Immediately, if this is supported |
|
Euro payments from OP to |
Usually immediately, even on a |
Immediately, if this is supported |
|
International transfer from OP to |
Same day if the payment |
Within 2 to 5 business days |
In Web Services channel, payment files are processed between 7.00 and 18.00 on business days. You can send single payments to SEPA countries 24/7 via the Web Services channel.
Information updated 24 September 2024.
| Currency | Settlement | GPI payment, cut off time (during the same day) | Settlement | Instant payment instruction with zero value date processing, cut off time | Settlement | Normal payment, cut off time |
| AED | D+1 | 16.00 | D+2 | 17.00 | ||
| AUD | D+1 | 16.00 | D+2 | 17.00 | ||
| CAD | D+0 | 16.00 | D | 17.00 | D+2 | 17.00 |
| CHF | D+0 | 13.30 | D | 15.00 | D+2 | 17.00 |
| CNH | D+1 | 16.00 | D+2 | 17.00 | ||
| CNY | D+1 | 16.00 | D+2 | 17.00 | ||
| DKK | D+0 | 13.30 | D | 15.00 | D+2 | 17.00 |
| EUR | D+0 | 16.00 | D | 17.00 | D+2 | 17.00 |
| GBP | D+0 | 16.00 | D | 17.00 | D+2 | 17.00 |
| HKD | D+1 | 16.00 | D+2 | 17.00 | ||
| JPY | D+1 | 16.00 | D+2 | 17.00 | ||
| NOK | D+0 | 14.30 | D | 16.30 | D+2 | 17.00 |
| PLN | D+0 | 11.30 | D | 13.00 | D+2 | 17.00 |
| RUB | D | 11.00 | D+2 | 17.00 | ||
| SEK | D+0 | 14.30 | D | 16.30 | D+2 | 17.00 |
| SGD | D+1 | 16.00 | D+2 | 17.00 | ||
| USD | D+0 | 16.00 | D | 17.00 | D+2 | 17.00 |
| Other currencies | D+1 | 16.00 | D+2 | 17.00 |