Submission deadlines, valuation and processing times

Indicates when the payment order must be delivered to DNB to be executed on the specified date. Payments received after the cut-off time are valued from the next banking day.

Indicates when the payment is debited from the payer's account.

Indicates when the payment is made available to the recipient's bank / DNB's correspondent bank.

The amount is sent in a different currency from the one you hold in your account. The exchange is made at the best available market rate immediately before the payment is executed from your account.

The amount is sent in the same currency as you hold in your account.

DNB is responsible for delivering the payment to the recipient's bank within the timeframe specified for the product. The recipient's bank is responsible for crediting the recipient's account. When this occurs depends on the recipient bank's procedures and the agreements in place between the recipient and the recipient bank.

The starting point for calculating the execution time is the date the customer has specified as the date in the payment order. The starting point is postponed if the order is submitted after the specified submission deadline, or if the payment lacks sufficient funds in the account. For manual orders, the start date is set to the date when the order is delivered to the bank within the deadline. The starting point may be postponed if the order does not meet the product requirements.

The payment is normally executed in the currency in which the amount is specified. For payments in NOK below NOK 100,000, the bank reserves the right to execute the amount in foreign currency if execution in NOK is not possible. The execution then takes place in the recipient country's currency, USD, EUR or GBP.

Payments in currency that must be exchanged are processed at the market rate at the time the order is executed.