Cut-off times and value dating for payments to Finland

Value Dating:
Day 0 = execution day (First banking day)
Day 1 = following banking day (Second banking day)
Day 2 = + 2 banking days (Third banking day)
D = Debit account in DNB
C = crediting beneficiary bank (DNB's correspondent bank)

Value dating (bank days)
Outgoing payments
Latest delivery in Finland
Local time

Day 0
Day 1
Day 2
Day 0
SEPA Credit Transfer




EUR – EUR SEPA pmt
D
C

17.00
EUR- EUR SEPA Salary pmt
D
C

12.00
Intra-group transfer within DNB Finland




EUR
D/C


17.00
Domestic Express




EUR – EUR
D/C


15.00
Ordinary cross-border non-SEPA (with/without exchange)




EUR
D
C 2)
C
16.00
Other currencies
D
C 1)
C
16.00
Intra-group transfer within DNB (REC/KONCERN)




EUR
D/C


15.00
Express cross-border (with/without exchange)




CAD, EUR, GBP, USD
D/C


17.15
CHF D/C     16.30
NOK, SEK
D/C


16.00
PLN D/C     15.00
DKK, MXN
D/C


14.00
CZK, HUF, TRY D/C     12.00
AED, AUD, HKD, JPY,  NZD, SGD, ZAR D
C

16.30
All other currencies
D

C
16.30
1) With exchange, IBAN + BIC and expressed in beneficiary country's currency (does not apply to payments expressed in NOK, BGN, HRK, RON and TND)
2) To the EEA + Switzerland

Incoming payments
Value dating
with exchange
Value dating
without exchange
Latest receipt
Local time
    

Day 0
Day 1 Day 2 Day 0
Day 1 Day 2 Day 0
Domestic 1)

   
     
Incoming payment in EUR
- giros (SEPA)
- urgent (POPS)
- SWIFT

   
C
C
C
   
Not defined
15.00
16.15
Cross-border

   
     
NOK, USD, CAD and GBP C
    C
    17.00
EUR 2)
C
    C
    17.15
SEK
C
   
    16.15
CHF C    
    16.30
DKK, MXN C
   
    14.30
PLN C
   
    15.30
CZK, HUF, TRY C
   
    12.00
AED, AUD, HKD, JPY, NZD, SGD, ZAR C
   
    16.30-1
THB C           11.00-1
Other currencies
C
   
    16.30-2
1) Other currencies: Same as cross-border
2) Cut-off for EUR not received via the euro clearing is 15.30
Payments without exchange in other currencies than EUR as FX accounts are not held in Finland.
Customer Service
+358 105 482100