Year-end processing 2024/2025

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.

Payment transactions at the post office counter

The local opening hours of the post offices must be taken into account.

Written orders

• Envelope received at the PostFinance Operations Center
• For transfers, the due date of the order is the day after the “Final deadline” date

Electronic 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

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.

EPO 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 02.01.2025

Express 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.

No processing on the following dates:
25.12.2024, 26.12.2024, 28.12.2024, 29.12.2024 and 01.01.2025 and 02.01.2025

Orders 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. 

No processing on the following dates:
25.12.2024, 26.12.2024 and 01.01.2025 and 02.01.2025

The 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).

No processing on the following dates:
25.12.2024, 26.12.2024 and 01.01.2025 and 02.01.2025

Information 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.

No processing on the following dates:
25.12.2024, 26.12.2024 and 01.01.2025 and 02.01.2025

The 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”.