Cut-off times and value dating for payments from/to DNB 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
Domestic
SEPA Credit Transfer
EUR - EUR SEPA pmt	D/C			9.30
EUR - EUR SEPA pmt	D/C			12.00
EUR - EUR SEPA pmt	D/C			14.30
EUR - EUR SEPA pmt	D	C		17.00
EUR- EUR SEPA Salary pmt	D	C		17.00
Intra-group transfer within DNB Finland
EUR	D/C			17.00
Cross-border
Intra-group transfer within DNB (REC/KONCERN)
EUR	D/C			16.00
Normal
EUR	D/C			12.00
EUR	D	C		15.00
CAD, EUR1), GBP, MXN, USD, SEK	D/C			17.15
CHF	D/C			16.30
NOK	D/C			16.00
PLN	D/C			15.002)
DKK	D/C			15.30
CZK, HUF	D/C			12.00
AED, AUD, HKD, JPY,  NZD, RON, SGD, TRY, ZAR	D	C		16.30
THB	D	C		11.00
All other currencies	D		C	16.30

¹⁾ To outside SEPA + Express

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) - express (POPS) - SWIFT				C C C			Not defined 15.00 16.15
Cross-border
NOK, USD, CAD, MXN, GBP	C			C			17.00
EUR	C			C			17.15
SEK	C						17.15
CHF	C						16.30
PLN, DKK	C						15.302)
CZK, HUF	C						12.00
AED, AUD, HKD, JPY, NZD, RON, SGD, TRY, ZAR	C						16.30-1
THB	C						11.00-1
Other currencies	C						16.30-2