I sent a bank transfer – when will it get there?
How fast your outgoing transfer reaches its destination depends on the payment method used and when you make your payment.
This article explains how outgoing payments work.
|
Payment method |
When it's processed |
When it arrives |
|
Card payments |
Every day 24/7 |
Instantly |
|
Finnish online bank payment buttons |
Every day 24/7 |
Instantly |
|
Outgoing transfers (sending SEPA transfers) |
On banking days, until 15:30 CET |
If processed before 15:30 CET, arrives same day; otherwise, payment arrives on the next banking day |
|
Holvi-to-Holvi transfers |
On banking days, until 15:30 CET |
If processed before 15:30 CET, arrives instantly; otherwise, payment arrives on the next banking day |
What is a business day?
Business days are Monday through Friday, excluding holidays. Transactions received on a Saturday, Sunday and public holidays are processed on the next business day.
What is a banking day?
A banking day is any day that the bank is open and accepts banking transactions. Banking days do not always coincide with business days. Find our list of non-banking days here.
Cut-off times for outgoing transfers
Any transfers sent before 15:30 CET will arrive on the same day. Anything sent after this will arrive on the next banking day.
Here are some examples
Transfers made before 15:30 CET
If you make a transfer on Monday before 15:30 CET, the payment will arrive at the receiving bank on the same day (almost instantly on Monday).
Transfers made after 15:30 CET
If you make a transfer on Monday after 15:30 CET, we'll process it on Tuesday and the money will arrive at the receiving bank later that day (Tuesday).