Cut-off times list
Corporate eGateway
Document Title
Version
Cut-off times list
3.8
2015-05-18 Date
2(42) Page
Reference
Table of contents
1
Purpose of this document ................................................................................................................. 5
2
Cut-off time definitions for payments and authorisations ................................................................ 5
3
Cut-off time definitions for Direct Debit.......................................................................................... 5
4
Cut-off time definitions for EDIFACT messages CONTRL, BANSTA, AUTHOR, CREMUL,
DEBMUL and FINSTA or XML ISO20022 messages pain.002, pain.007, pain.008, pain.009,
pain.011, pain.012, camt.029, camt.053, camt.054 and camt.055. .................................................. 6
5
Definitions for payment days, debit account and available to beneficiary....................................... 6
6
Time definition used by Corporate eGateway .................................................................................. 6
7
Cut-off times payments (EDIFACT PAYMUL or XML pain.001) ................................................. 7
7.1 Cut-off times, Nordea Bank Sweden, Domestic payments
7
7.2 Cut-off times and currency rules, Nordea Bank Sweden, International payments
8
7.3 Cut-off times, Nordea Bank Norway, Domestic payments
9
7.4 Cut-off times and currency rules, Nordea Bank Norway, International payments
10
7.5 Cut-off times, Nordea Bank Denmark, Domestic payment
11
7.6 Cut-off and currency rules, Nordea Bank Denmark, International payments
12
7.7 Cut-off times, Nordea Bank Finland, Domestic payments
13
7.8 Cut-off times and currency rules, Nordea Bank Finland, International payments
14
7.9 Cut-off times, Nordea Bank Germany, Domestic payments
15
7.10 Cut-off times and currency rules, Nordea Bank Germany, International payments
16
7.11 Cut-off times, Nordea Bank Great Britain, Domestic payments
17
7.12 Cut-off times and currency rules, Nordea Bank Great Britain, International payments
18
7.13 Cut-off times, Nordea Bank Estonia, Domestic payments
19
7.14 Cut-off times and currency rules, Nordea Bank Estonia, International payments
20
7.15 Cut-off times, Nordea Bank Latvia, Domestic payments
21
7.16 Cut-off times and currency rules, Nordea Bank Latvia, International payments
22
7.17 Cut-off times, Nordea Bank Lithuania, Domestic payment
23
7.18 Cut-off times and currency rules, Nordea Bank Lithuania, International payment
24
7.19 Cut-off times, Nordea Bank USA and Canada
25
7.20 Cut-off times, OJSC Nordea Bank, Russia, Domestic payment
25
7.21 Cut-off times and currency rules, OJSC Nordea Bank, Russia, International payment
26
8
Cut-off times Direct Debit .............................................................................................................. 26
8.1 Cut-off times for Direct Debit, Nordea Bank Sweden
26
8.2 Cut-off times for Direct Debit, Nordea Bank Norway
26
8.3 Cut-off times for DIRDEB, Nordea Bank Denmark
28
9
Cut-off times for status reports (EDIFACT BANSTA or XML pain.002) .................................... 28
9.1 Cut-off times for status reports for payments & direct debits (file delivery day) for all
Nordea Companies 28
Document Title
Version
Cut-off times list
3.8
2015-05-18 Date
3(42) Page
Reference
9.2 Cut-off times status reports for Direct Debit and authorisations (file delivery day) for all
Nordea Companies
29
9.3 Cut-off times status report (payment day) for all Nordea Companies
30
9.4 Cut-off times AUTHOR (2)/pain.012 for all Nordea companies
31
10 Cut off times for EDIFACT messages CONTRL, CREMUL, DEBMUL and FINSTA or
XML messages pain.002, camt.054 and camt.053 ......................................................................... 32
10.1 Cut-off times CONTRL/pain.002
32
10.2 Cut-off times CREMUL/camt.054 for all Nordea Companies
33
10.3 Cut-off times DEBMUL/camt.054 for all Nordea Companies
33
10.4 Cut-off times account statement for all Nordea Companies
35
11 Bank holidays for all Nordea Companies ....................................................................................... 36
11.1 Bank holidays in Nordea Bank Denmark
36
11.2 Bank holidays in Nordea Bank Estonia
37
11.3 Bank holidays in Nordea Bank Finland
37
11.4 Bank holidays in Nordea Bank Germany
38
11.5 Bank holidays in Nordea Bank Great Britain
38
11.6 Bank holidays in Nordea Bank Latvia
39
11.7 Bank holidays in Nordea Bank Lithuania
39
Note: If there is a bank holiday in Finland, no cross-border payments will be forwarded on
that day to the Baltic
39
11.8 Bank holidays in Nordea Bank USA
40
11.9 Bank holidays in Nordea Bank Norway
40
11.10 Bank holidays in OJSC Nordea Bank, Russia
41
11.11 Bank holidays in Nordea Bank Sweden
42
Document Title
Version
Cut-off times list
3.8
2015-05-18 Date
4(42) Page
Reference
Version change history
Version 3.4
Version 3.4
Version 3.5
2013-05-13
2013-05-13
2013-11-25
Version 3.6.
2014-06-16
 Chapter 7.5 (DK): Cut-off Easy Account (NemKonto)
 Chapter 7.11 (U.K): Cut-off Faster payment added
 Chapter 11.9 (NO): New Years Eve added under days with
reduced working hours, and belonging foot note.
 Chapter 7.24 and 7.25 removed (Partner bank Belgium and
France)
 Poland removed from the document
 Chapter 8 Direct debit for Finland removed
 Chapter 7.1 (SE) Cancellation Bankgiro changed from 17.00 to
15.00, and cancellation Plusgiro changed from 15.00 to 14.00
 Chapter 7.15-7.20 (Baltics): Cut-off changed for several
payment types
Version 3.7
2014-09-08
Version 3.8
2015-05-18
Chapter 7.5 (DK):
 Payment type Payment to account renamed to Standard credit
transfer.
 Added payment type Same-day credit transfer.
 Updates for Direct Debit XML
 Changed currency to EUR for Lithuania, urgent payment type
removed, cut-off times updated for domestic and SEPA
payments
 Minor updates in incoming payments Sweden
Document Title
Version
Cut-off times list
3.8
2015-05-18 Date
5(42) Page
Reference
1
Purpose of this document
This document provides the user of the Nordea Group’s (hereinafter also referred to as “Nordea”)
Corporate eGateway with a list of the cut-off times used by Nordea’s Message Centre as well as the
local cut-off for each service and country that are part of Corporate eGateway. It also describes the
effective date applied for each booking within the Executing Banks and expected availability at the
beneficiary’s bank.
The terms and definitions used in this document are defined in the separate document Glossary for
Corporate eGateway.
Note: Corporate eGateway currently offer all countries and services included in this document in
EDIFACT format. For XML ISO20022 in version 2 the following applies, for payments (pain.001) and
status reports (pain.002) all Nordic and Baltic countries are offered. For pain.001 & pain.002 in version
3 (CGI compliant) all Nordic/Baltic countries as well as Canada, Germany, Great Britain, Russia and
USA are available. Credit and debit notifications, i.e. camt.054 (CGI compliant) are offered for all
Nordic/Baltic countries. For account statements (camt.053) all countries are included.
2
Cut-off time definitions for payments and authorisations
There are two different types of cut-off times listed in this document: the Corporate eGateway Cut-off
times and the Local Cut-off times. In order to ensure timely and accurate processing of the payment or
other instructions within the Corporate eGateway services the Customer must transmit Messages to
Nordea's Message Centre in accordance with the Corporate eGateway Cut-off times. The Local Cut-off
time specifies the cut-off time for each country/currency. The payment instruction and other Message
types must reach the Message Centre no later than 60 minutes before the local cut-off time in order to
meet the respective cut-off times, providing that the payment order contains all information necessary
for execution. Special cut-off times apply for reduced working days, see chapter 11.
Please be aware that the Message Centre will not reject payments in relation to any cut-off time,
however, the Message Centre will perform validation for some payment types and reject payments due
to content errors (please see Functional Specification documents). Each local Executing Bank will
validate the content and cut-off time on payment types not validated by the Message Centre. The
Message Centre never rejects Authorisation Messages– this is done only by the relevant Executing
Bank, see Functional Specification for Nordea Direct Debits.
If the Message Centre receives the Customer’s Messages after the Corporate eGateway Cut-off time,
Nordea is not responsible for processing the instructions in Corporate eGateway in such a way that they
can be carried out in the Executing Banks in accordance with the Local Cut-off times. However, if the
Message Centre receives the instructions after the Corporate eGateway Cut-off time the Executing Bank
retains the right to carry out the instructions according to Local Cut-off times, if possible.
3
Cut-off time definitions for Direct Debit
Please be aware that the cut-off time stipulated in this document for Direct Debit is the actual cut-off
time used by the Message Centre. This means that the Message Centre rejects any Direct Debit messages
that are delivered after the stipulated cut-off time.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
6(42) Page
Reference
4
Cut-off time definitions for EDIFACT messages CONTRL, BANSTA, AUTHOR,
CREMUL, DEBMUL and FINSTA or XML ISO20022 messages pain.002, pain.007,
pain.008, pain.009, pain.011, pain.012, camt.029, camt.053, camt.054 and camt.055.
The cut-off time indicated for EDIFACT messages such as CONTRL, BANSTA, AUTHOR, CREMUL,
DEBMUL and FINSTA or for XML ISO20022 messages such as pain.002, pain.012, camt.029,
camt.054 or camt.053, represents the delivery times from the Message Centre.
5
Definitions for payment days, debit account and available to beneficiary
In this Cut-off Times List the following terms will be used:
“The Corporate eGateway Cut-off time”: the time a Message should be received by the Message Centre
in order to meet the Local Cut-off time as set by each Executing Bank.
The column “Debit account” describes when the Executing Bank will book the payment instruction in
relation to the requested Payment day and “Available to beneficiary bank”.
The column “Available to beneficiary bank” includes information concerning when the payment amount
is made available to the beneficiary’s bank.
The following explanations apply:
Day -1
Day 0
Day +1
= The Business Day prior to the Payment day
= The Payment day
= The Business Day after the Payment day
Additional information about international payments:
The table shows value dating rules and cut-off times for each payment type, currency and whether
beneficiary’s bank is Nordea or not.
Value dates for outgoing payments are expressed in number of Business Days after execution day. The
indicated credit value date is for the Nordea correspondent bank (in case the beneficiary bank is not a
Nordea bank).
6
Time definition used by Corporate eGateway
All hours are defined as Central European Time (CET). Please be aware of the time difference between
Finland, the Baltic countries (Estonia, Latvia and Lithuania), Russia, United States (EST) and Great
Britain compared to the other Nordea countries, i.e. Denmark, Germany, Norway and Sweden where
CET involves no time difference. The time difference for Finland and the Baltic countries is CET +1
hour, for United States (EST) it is CET -6 hours, whilst for Great Britain it is CET–1 hour. In Russia
there are 9 time zones, from CET+1 hour (Kaliningrad) to CET+9 hours (Magadan). For major Russian
cities Moscow and Saint-Petersburg the time difference is CET+2 hours.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
7(42) Page
Reference
7
Cut-off times payments (EDIFACT PAYMUL or XML pain.001)
Cut-off times for interchange between the Customer, the Message Centre at Nordea, and the local
Nordea Bank. Please also read through which countries that are offered in EDIFACT and/or XML
format and “Cut-off time definition for payments”.
7.1 Cut-off times, Nordea Bank Sweden, Domestic payments
Local payment types
Payment type
MIG
Bankgiro (LB-service)
All Payment types
Bankgiro (LB-Lön/Salary)
Salary payment
PlusGiro (Girodirekt-service)
Reference payment to a
PlusGiro no.
Non-reference
payment to a
PlusGiro no.
Payment to a
non PlusGiro
account (other
bank)
Salary and
Pension
payment
All payments
from PlusGiro
to a Bankgiro
no.
Intercompany payment
PlusGiro (Girodirekt-service)
PlusGiro (Girodirekt-service)
PlusGiro (Girodirekt-service)
PlusGiro to Bankgiro
Koncernintern betalning
Samma dags valutering
Same-day-value
payment
Finansiell betalning
Financial payment
Corporate
eGateway
cut-off time
(CET)
Day -1
18.00
Day -2
18.00
Day 0
16.00
Day 0
16.00
Local cut-off time
(CET)
Debit
account
Available to
beneficiary
bank
Day -1
19.00
Day -2
19.00
Day 0
17.00
Day 0
17.00
Day 0
Day 0
Day -1
Day 0
Day 0
Day 0
Day 0
Day 0
Day0
11.00
Day 0
12.00
Day 0
Day 0
Day -1
23.00
Day -1
24.00
Day 0
Day +1
Day 0
08.45
Day 0
09.45
Day 0
Day 0
Day 0
14:00
Day 0
09:00< SEK 500.000
14:00>=SEK 500.000
Day 0
09:00< SEK 500.000
14:00>=SEK 500.000
Day 0
14:00
Day 0
10:00< SEK 500.000
15:00>=SEK 500.000
Day 0
10:00< SEK 500.000
15:00>=SEK 500.000
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day -1
15.00
Day -1
14.00
Day -1
19.00
Day -1
17.00
-
-
-
-
Cancellation
Bankgiro – All payment types
Manual cancellation
PlusGiro – All payment types
Manual cancellation
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
8(42) Page
Reference
7.2 Cut-off times and currency rules, Nordea Bank Sweden, International payments
Local payment types
Currency
Payment type
MIG
Nordea Payment – if beneficiary’s
bank account is with Nordea
DKK, EUR, GBP,
NOK, PLN, SEK, SGD
Ordinary payment
Ordinary international payment –
if beneficiary’s bank account is
not with Nordea
EUR for European
Economic Area
(EEA-countries)
Ordinary payment
EU payment
Express payment
Intercompany Payment
within Nordea
1.
Intercompany payment – if
beneficiary’s bank account is not
with Nordea (must be agreed with
beneficiary’s bank)
Corporate
eGateway
cut-off time
(CET)
Day 0
14.00
Local
cut-off time
(CET)
Debit
account
Day 0
15.00
Day 0
Available to
beneficiary/
correspondent
bank
Day +1
Day 0
14.00
Day 0
15.00
Day 0
Day +1
Day 0
14.00
Day 0
15.00
Day 0
Day +2
Ordinary payment
Express payment
13.00
13.00
14.00
14.00
Day 0
Day 0
Day +2
Day +1
Intercompany
payment
Day 0
14.30
Day 0
15.30
Day 0
Day 0
EUR, USD
Day 0
15.00
Day 0
16.00
Day 0
Day 0
SGD
Day -1
14.30
Day -1
15.30
Day 0
Day 0
Day 0
07.00
Day 0
08.00
Day 0
Day 0
Day 0
09.00
Day 0
10.00
Day 0
Day 0
Day 0
12.30
Day 0
13.30
Day 0
Day 0
Day 0
14.00
Day 0
15.00
Day 0
Day 0
Day 0
14.30
Day 0
15.30
Day 0
Day 0
Day 0
15.00
Day 0
16.00
Day 0
Day 0
Day -1
14.30
Day -1
15.30
Day 0
Day 0
Day -1
14.30
Day -1
15.30
Day 0
Day 0
Day 0
15.00
Day 0
15.00
Day +2
Day +2
Day 0
When cashed
Day -1
16.00
-
-
Other currencies
EUR, SEK
AED, AUD, CAD,
CHF, CZK, DKK,
EUR, GBP, HKD,
HRK, HUF, ILS, JPY,
KWD, MXN, NOK,
NZD, PLN, RON,
RUB, SAR, SEK, SGD,
TRY, USD, ZAR
DKK, GBP, NOK,
PLN, SEK
HUF, PLN, TRY
1.
Intercompany
payment
CZK
2.
Same day value payment
DKK
3.
Financial payment
NOK
2.
Same day value
3.
Financial payment
CAD, GBP, SEK
EUR, USD,
AED, AUD, HKD,
HRK, ILS, ISK, KWD,
NZD, RON, RUB,
SAR, SGD, ZAR
CHF, JPY, MXN
Other currencies
Payment to money order (cheque)
AUD, CAD, CHF,
DKK, EUR, GBP,
HKD, INR, JPY, MAD,
NOK, NZD, SEK,
SGD, TND, USD, ZAR
Payment to money
order (cheque)
Day 0
14.00
Day 0
14.00
All currencies
Manual
cancellation
Day -1
14.00
Cancellation
All payment types
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
9(42) Page
Reference
7.3 Cut-off times, Nordea Bank Norway, Domestic payments
Local payment types
Payment type
MIG
Domestic payments
- Payment to account
- Salary payment
- Pension payment
- Payment to money order
(payment advice)
Intercompany payments
SDV payments
Financial payments
Intercompany payment
(domestic SWIFT)
Same-day-value payment
(domestic SWIFT)
Financial payment
(domestic SWIFT)
Corporate
eGateway
cut-off time
(CET)
Afternoon
settlement
Day 0
11.00
Local cut-off
time (CET)
Debit
account
Available to
beneficiary bank
Afternoon
settlement
Day 0
12.00
Day 0
Day 0
End settlement
Day 0
13.00
Day 0
14.30
Day 0
14:00
Day 0
14:00
End settlement
Day 0
14.00
Day 0
15.30
Day 0
15:00
Day 0
15:00
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day -1
14.00
Day -1
16.30
-
-
Cancellation
All payment types
Manual cancellation
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
10(42) Page
Reference
7.4 Cut-off times and currency rules, Nordea Bank Norway, International payments
Local payment types
Currency
Payment type
MIG
Corporate
eGateway
cut-off time
(CET))
Day 0
14.00
Local
cut-off time
(CET)
Debit
account
Day 0
15.00
Day 0
Available to
beneficiary/
correspondent
bank
Day +1
Nordea Payment – if beneficiary’s
bank account is with Nordea
(with currency exchange)
Nordea Payment – if beneficiary’s
bank account is with Nordea
(without currency exchange)
Ordinary international payment –
if beneficiary’s bank account is
not with Nordea
(with currency exchange)
Ordinary international payment –
if beneficiary’s bank account is
not with Nordea
(without currency exchange)
Ordinary international payment –
if beneficiary’s bank account is
not with Nordea
(without currency exchange)
Intercompany Payment
within Nordea
DKK, EUR, GBP,
NOK, PLN, SEK, SGD,
USD
DKK, EUR, GBP,
NOK, PLN, SEK, SGD,
USD
All currencies
Ordinary payment
Ordinary payment
Day 0
14.00
Day 0
15.00
Day +1
Day +1
Ordinary payment
Day 0
14.00
Day 0
15.00
Day 0
Day +2
EUR, GBP, NOK, USD
Ordinary payment
Day 0
14.00
Day 0
15.00
Day +1
Day +1
Other currencies than
above
Ordinary payment
Day 0
14.00
Day 0
15.00
Day +2
Day +2
DKK, GBP, NOK,
PLN, SEK
Intercompany
payment
Day 0
14.30
Day 0
15.30
Day 0
Day 0
EUR, USD
Day 0
15.00
Day 0
16.00
Day 0
Day 0
SGD
Day -1
14.30
Day 0
15.00
Day -1
15.30
Day 0
16.00
Day 0
Day 0
Day 0
Day 0
Day 0
07.00
Day 0
08.00
Day 0
Day 0
Day 0
09.00
Day 0
10.00
Day 0
Day 0
Day 0
1400
Day 0
15.00
Day 0
Day 0
Day 0
12.30
Day 0
13.30
Day 0
Day 0
Day 0
14.30
Day 0
15.30
Day 0
Day 0
Day -1
14.30
Day -1
15.30
Day 0
Day 0
Day -1
13.00
Day -1
14.00
Day 0
Day 0
Day 0
15.00
Day -1
14.00
Day +2
Day +2
Day 0
When cashed
Day -1
16.30
-
-
1.
Express payment and
Intercompany payment to
beneficiary with account outside
Nordea
USD, EUR
2.
Same-day-value payment
CZK
3.
Financial payment
Express payment
PLN, HUF, TRY
NOK
DKK
CAD, GBP, SEK,
CHF, JPY, MXN
AED, AUD,, HKD,
HRK. ILS, ISK, KWD,
NZD, RON, RUB,
SAR, SGD, ZAR
Other currencies than
above
Cheque payment
All currencies
Payment to money
order (cheque)
Day 0
14.00
Day -1
13.00
All currencies
Manual
cancellation
Day -1
15.00
Cancellation
All payment types
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
11(42) Page
Reference
7.5 Cut-off times, Nordea Bank Denmark, Domestic payment
Local payment types
Payment type
MIG
Corporate
eGateway
cut-off time
(CET)
Day 0
16.00
Local cut-off
time (CET)
Debit
account
Available to
beneficiary bank
Payment to account
- Standard credit transfer
- Salary payment
- Pension payment
Day 0
17.00
Day0
Day+1
- Same-day credit transfer
Day 0
10.30
Day 0
11.30
Day 0
Day 0
- Easy Account"
(NemKonto)
Day -1
16.00
Day -1
17.00
Day 0
Day +1
- To own account in
Nordea Denmark
Day 0
16.00
Day 0
17.00
Day 0
Day 0
Payment via Giro and transfer form
Payment via transfer form
Day +1
Intercompany payment
Day 0
Day 0
Same-day-value payment within Nordea
Same-day-value payment
Day 0
Day 0
Same-day-value payment to other banks
Same-day-value payment
Day 0
Day 0
Financial payment
Financial payment
Day 0
Day 0
Cheque payment
Payment to money order
(cheque)
Day 0
17.00
Day 0
13.30
Day 0
15:00
Day 0
13:30
Day 0
13:30
Day -1
17.00
Day 0
Intercompany payment
Day 0
16.00
Day 0
12.30
Day 0
14:00
Day 0
12:30
Day 0
12:30
Day -1
16.00
Day 0
When cashed
Day -1
14.30
Day -1
16.30
-
-
Cancellation
All payment types
Manual cancellation
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
12(42) Page
Reference
7.6 Cut-off and currency rules, Nordea Bank Denmark, International payments
Local payment types
Currency
Payment type
MIG
Nordea Payment – if beneficiary’s
bank account is with Nordea
DKK, EUR, GBP,
NOK, PLN, SEK, SGD,
USD
Ordinary payment
Ordinary international payment –
if beneficiary’s bank account is
not with Nordea
EUR for European
Economic Area
(EEA-countries)
Ordinary payment
Intercompany Payment
within Nordea
Other currencies
DKK, GBP, NOK,
PLN, SEK
1.
Express payment and
Intercompany payment to
beneficiary with account outside
Nordea
Corporate
eGateway
cut-off time
(CET)
Day 0
14.00
Local
cut-off time
(CET)
Debit
account
Day 0
15.00
Day 0
Available to
beneficiary/
correspondent
bank
Day +1
Day 0
14.00
Day 0
15.00
Day 0
Day +1
Day 0
14.00
Day 0
15.00
Day 0
Day +2
Day 0
14.30
Day 0
15.30
Day 0
Day 0
EUR, USD
Day 0
15.00
Day 0
16.00
Day 0
Day 0
SGD
Day -1
14.30
Day 0
07.00
Day -1
15.30
Day 0
08.00
Day 0
Day 0
Day 0
Day 0
Day 0
09.00
Day 0
10.00
Day 0
Day 0
Day 0
12.30
Day 0
13.30
Day 0
Day 0
Day 0
14.00
Day 0
15.00
Day 0
Day 0
Day 0
14.30
Day 0
15.30
Day 0
Day 0
Day 0
15.00
Day 0
16.00
Day 0
Day 0
Day -1
13.00
Day -1
14.00
Day 0
Day 0
Day -1
14.30
Day -1
15.30
Day 0
Day 0
Day 0
15.00
Day 0
13.00
Day +2
Day +2
Day 0
When cashed
Day -1
17.00
-
-
HUF, PLN, TRY
Intercompany
payment
Express payment
CZK
DKK
2.
Same day value payment
3.
Financial payment
NOK
CAD, GBP, SEK
EUR, USD
AED, AUD, HKD,
HRK, ILS, ISK, KWD,
NZD, RON, RUB,
SAR, SGD, ZAR
CHF, JPY, MXN
Other currencies
Payment to money order
All currencies
Payment to money
order (cheque)
Day 0
14.00
Day 0
12.00
All currencies
Manual
cancellation
Day -1
15.00
Cancellation
All payment types.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
13(42) Page
Reference
7.7 Cut-off times, Nordea Bank Finland, Domestic payments
Note. CET +1 hour applies in Finland.
Local payment types
Payment type
MIG
Corporate
eGateway
cut-off time
(CET)
Day 0
16.30
Day -0
16.30
Day 0
15.00
Day 0
13:30
Day 0
13:30
Local cut-off
time (CET)
Debit
account
Available to
beneficiary bank
Corporate Payments Service
All Payment types
Day 0
17.30
Day -0
17.30
Day 0
16.00
Day 0
14:30
Day 0
14:30
Day 0
Day 0
Day 0 in Nordea
Day +1 other banks
Day+1
in
all
Finnish banks
Day 0
Corporate Payments Service, Salary and
Pension
Express payment
Salary and Pension
payments
Intercompany payment
Express payment
Same-day-value payment
Day 0
Day 0
Express payment
Financial payment
Day 0
Day 0
Manual cancellation
Day -1
15.30
Day -1
17.30
-
-
Manual cancellation
Day -1
15.30
Day -1
17.30
-
-
Day -0
Cancellation
Domestic payments (CPS).
Please note special rules for cancellation
in Finland 1
Salary and Pension payments.
Please note special rules for cancellation
in Finland 1
1
Cancellation for single C-level instructions is not possible in Nordea Bank Finland. If cancellation is needed the entire
B-level of the relevant payment Message must be cancelled.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
14(42) Page
Reference
7.8
Cut-off times and currency rules, Nordea Bank Finland, International payments
Note:
1. All EUR payments to EU area are handled as SEPA payments
2. CET +1 hour applies in Finland.
Local payment types
Currency
Payment type
MIG
Nordea Payment – if beneficiary’s
bank account is with Nordea
DKK, EUR, USD,
GBP, SEK, NOK, PLN,
RUB SGD
Ordinary payment
Ordinary international payment –
if beneficiary’s bank account is
not with Nordea
EUR for European
Economic Area
(EEA-countries)
Ordinary payment
Express payment
Intercompany Payment
within Nordea
1.
Intercompany payment to
beneficiary with account outside
Nordea
2.
Same-day-value payment
3.
Financial payment
Corporate
eGateway
cut-off time
(CET)
Day 0
14.00
Local
cut-off time
(CET)
Debit
account
Day 0
15.00
Day 0
Available to
beneficiary/
correspondent
bank
Day +1
Day 0
14.00
Day 0
15.00
Day 0
Day +1
Day 0
14.00
Day 0
15.00
Day 0
Day +2
Express payment
Day 0
13.00
Day 0
14.00
Day 0
Day +1
Intercompany
payment
Day 0
14.30
Day 0
15.30
Day 0
Day 0
EUR, USD
Day 0
15.00
Day 0
16.00
Day 0
Day 0
SGD
Day -1
14.30
Day 0
07.00
Day -1
15.30
Day 0
08.00
Day 0
Day 0
Day 0
Day 0
Day 0
09.00
Day 0
10.00
Day 0
Day 0
Day 0
12.30
Day 0
13.30
Day 0
Day 0
Day 0
14.00
Day 0
15.00
Day 0
Day 0
Day 0
14.30
Day 0
15.30
Day 0
Day 0
Day 0
15.00
Day 0
16.00
Day 0
Day 0
Day -1
13.00
Day -1
14.00
Day 0
Day 0
Day -1
14.30
Day -1
15.30
Day 0
Day 0
Day 0
14.00
Day 0
15.00
Day +2
Day +2
Other currencies
AUD, CAD, CHF,
CZK, DKK, EUR,
GBP, HKD, ISK, JPY,
NOK, NZD, PLN,
RUB, SEK, SGD, SKK,
USD, ZAR
DKK, GBP, NOK,
PLN, SEK
HUF, PLN, RUB, TRY
Same-day-value
payment
CZK
DKK
NOK
CAD, GBP, SEK
EUR, USD
AED, AUD, HKD,
HRK, ILS, KWD,
NZD, RON, SAR,
SGD, ZAR
CHF, JPY, MXN, RSD
Other currencies
Cheque payment
All currencies
Payment to money
order (cheque)
All currencies
Manual
cancellation
When cashed
Cancellation
All payment types
Day – 1
16.00
Day - 1
17.00
-
-
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
15(42) Page
Reference
7.9 Cut-off times, Nordea Bank Germany, Domestic payments
Local payment types
Payment
type
MIG
Domestic payments
Ordinary
payment to
account
Express
payment
Intercompany
payment
Domestic Express payment
Intercompany payment within Nordea
Germany
Corporate
eGateway
cut-off time
(CET)
Day 0
14.30
Local cut-off
time (CET)
Debit account
Available to
beneficiary bank
Day 0
15.30
Day 0
Day 1
Day 0
14.30
Day 0
14.30
Day 0
15.30
Day 0
15.30
Day 0
Day 0
Day 0
Day 0
Day -1
15.00
Day -1
17.00
-
-
Cancellation
All payment types
2
Manual
cancellation 2
Nordea Bank Germany will perform all manually ordered cancellations on a best effort basis.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
16(42) Page
Reference
7.10 Cut-off times and currency rules, Nordea Bank Germany, International payments
Local payment types
Currency
Payment type
MIG
Nordea Payment – if beneficiary’s
bank account is with Nordea
(with currency exchange)
Ordinary international payments –
if beneficiary’s bank account is
not with Nordea
(with currency exchange)
EUR, DKK, GBP,
NOK, SEK, USD,
PLN,
DKK, NOK, SEK,
CAD, GBP, USD,
EUR, AED, AUD,
CHF, HKD, HUF, INR,
JPY, NZD, RUB, SGD,
SKK, THB, TRY,
ZAR, PLN, CZK
USD, EUR
Ordinary payment
Express payment
(with currency exchange)
Express payment
(without currency exchange)
Corporate
eGateway
cut-off time
(CET)
Day 0
12.00
Local
cut-off time
(CET)
Debit
account
Day 0
13.00
Day 0
Available to
beneficiary/
correspondent
bank
Day +2
Ordinary payment
Day 0
12.00
Day 0
13.00
Day 0
Day +2
Express payment
Day 0
12.00
Day 0
13.00
Day 0
Day 0
Day 0
12.00
Day 0
13.00
Day 0
Day +1
Day 0
14.30
Day 0
15.30
Day 0
Day 0
EUR
Day 0
15.15
Day 0
16.15
Day 0
Day 0
CZK
Day 0
07.00
Day 0
08.00
Day 0
Day 0
PLN
Day 0
08.30
Day 0
09.30
Day 0
Day 0
AED, AUD, CHF,
HKD, HUF, INR, JPY,
NZD, RUB, SGD,
SKK,THB, TRY, ZAR
Day 0
14.30
Day 0
15.30
Day 0
Day +1
Intercompany
payment
Day 0
14.30
Day 0
15.30
Day 0
Day 0
Manual
cancellation
Day -1
14.00
Day -1
16.00
-
-
DKK, NOK, SEK,
CAD, GBP, AED,
AUD, CHF, HKD,
HUF, INR, JPY, NZD,
RUB, SGD, SKK,
THB, TRY, ZAR,
PLN, CZK
DKK, NOK, SEK,
CAD, GBP, USD
Intercompany Payment
within Nordea
Express payment
Cancellation
All payment types
All currencies
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
17(42) Page
Reference
7.11 Cut-off times, Nordea Bank Great Britain, Domestic payments
Note. CET –1 hour applies in Great Britain.
Local payment types
Payment
type
MIG
BACS payments (only GBP)
BACS payment
to account (low
value)
Faster payment
to account
(real-time/low
value)
CHAPS Same
day value
payment (high
value)
Payment to
money order
(cheque)
Intercompany
payment
Faster payment (only GBP)
CHAPS payments (only GBP)
Cheque payments (only GBP)
Intercompany payment within Nordea
Great Britain
Corporate
eGateway
cut-off time
(CET)
Day 0
14.00
Local cut-off
time (CET)
Debit account
Available to
beneficiary bank
Day 0
15.00
Day 2
Day 2
Day 0
15.00
Day 0
16.00
Day 0
Day 0
Day 0
14.00
Day 0
15.00
Day 0
Day 0
Day 0
14.00
Day 0
15.00
Day 0
N/A
Day 0
15.00
Day 0
16.00
Day 0
Day 0
Day 0
13.30
Day 0
15.30
-
-
Cancellation
BACS and CHAPS
3
Manual
cancellation 3
Nordea Bank Great Britain will perform all manually ordered cancellations on a best effort basis.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
18(42) Page
Reference
7.12 Cut-off times and currency rules, Nordea Bank Great Britain, International
payments
Note. CET –1 hour applies in Great Britain.
Local payment types
Currency
Payment type
MIG
Nordea Payment – if beneficiary’s
bank account is with Nordea
London
(with currency exchange)
International payments –
beneficiary’s bank account is with
another Nordea office or a third
party bank
(with currency exchange)
GBP, USD, EUR,
NOK, DKK, SEK,
SGD, PLN
Ordinary payment
NOK, DKK, SEK
Ordinary Payment
Intercompany Payment
within Nordea
Cheque payment
Official bank draft
Corporate
eGateway
cut-off time
(CET)
Day 0
13.30
Local
cut-off time
(CET)
Debit
account
Day 0
14.30
Day 0
Available to
beneficiary/
correspondent
bank
Day 0
Day 0
10.00
Day 0
11.00
Day 0
Day 0
EUR, GBP, USD
Day 0
13.00
Day 0
14.00
Day 0
Day 0
SGD
Day 0
11.00
Day 0
12.00
Day +1
Day +1
AUD, CAD, CHF,
HKD, ISK, JPY, KRW,
KWD, MAD, MYR,
NZD, ZAR
Day 0
14.00
Day 0
15.00
Day +2
Day +2
Day 0
14.00
Day 0
15.00
Day +3
Day +3
Intercompany
payment
Day 0
14.30
Day 0
15.30
Day 0
Day 0
Ordinary payment
to money order
(cheque)
Day 0
13.00
Day 0
14.00
Day 0
When cashed
-
-
AED, BHD, BRL,
CZK, IDR, INR, PHP,
PKR, PLN, SAR, THB,
TND, TWD, XPF
GBP, USD, EUR,
NOK, DKK, SEK,
SGD, PLN
GBP, USD, EUR,
NOK, DKK, SEK
Cancellation
All payment types
All currencies
Manual
cancellation
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
19(42) Page
Reference
7.13 Cut-off times, Nordea Bank Estonia, Domestic payments
Note: CET +1 hour applies in Estonia.
Local payment types
Payment
type
MIG
Corporate
eGateway
cut-off time
(CET)
Local cut-off
time (CET)
Debit account
Available to
beneficiary bank
SEPA Payment
To an account in Nordea Bank Estonia
Payment to
account
Day 0
18:00
Day 0
13:30
Day 0
19:00
Day 0
14:30
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
To an account in Nordea Bank Estonia
18:00
19:00
To an account outside Nordea Bank
Estonia
13:30
14:30
Express
payment
Day 0
15.00
Day 0
16.00
Day 0
Day 0
Manual
cancellation
Day –1
14.00
Day –1
16.00
-
-
To an account outside Nordea Bank
Estonia
Salary and pension payments
Urgent payments
Salary payment
Cancellation
All payment types
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
20(42) Page
Reference
7.14 Cut-off times and currency rules, Nordea Bank Estonia, International payments
Note: CET +1 hour applies in Estonia.
Local payment types
Currency
Payment type
MIG
Corporate
eGateway
cut-off time
(CET)
Day 0
15:00
Local
cut-off time
(CET)
Debit
account
Day 0
16:00
Day 0
Available to
beneficiary/
correspondent
bank
Day +1
Nordea Payment – if beneficiary’s
bank account is with Nordea
(with currency exchange)
Ordinary international payments –
if beneficiary’s bank account is
not with Nordea
(with currency exchange)
Urgent international payments – if
beneficiary’s bank account is not
with Nordea
(with currency exchange)
Same day value payment
DKK, EUR, GBP,
NOK, PLN, SEK, SGD,
USD
Other currencies
Ordinary payment
Day 0
15:00
13:30
Day 0
16:00
14:30
Day 0
Day +2
Day 0
Day+0
Urgent payment
Day 0
15:00
14:30
Day 0
16:00
15:30
Day 0
Day +1
Same day value
(express payment)
13:00
14:00
Day 0
Day 0
10:00
12:00
06:30
11:00
13:00
07:30
Day 0
15:00
Day 0
16:00
Day 0
Day 0
Day 0
14:30
Day 0
15:30
Day -1
14.00
Day -1
16.00
-
-
Ordinary payment
EUR
USD
Other currencies
EUR, USD,
DKK
NOK, GBP, SEK,
PLN RUB
Intercompany Payment
within Nordea
USD
Intercompany
payment
DKK, GBP, EUR,
NOK, PLN, SEK,
Cancellation
All payment types
All currencies
Manual
cancellation
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
21(42) Page
Reference
7.15 Cut-off times, Nordea Bank Latvia, Domestic payments
Note: CET +1 hour applies in Latvia.
Local payment types
Payment
type
MIG
SEPA payment
To an account in Nordea Bank Latvia
To an account outside Nordea Bank Latvia
Payment to
account
Salary and pension payments
To an account in Nordea Bank Latvia
Corporate
eGateway
cut-off time
(CET)
Local cut-off
time (CET)
Debit account
Available to
beneficiary bank
Day 0
18.00
Day 0
13:30
Day 0
19.00
Day 0
14:30
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
18:00
19:00
13:30
14:30
Express
payment
Day 0
15:00
Day 0
16:00
Day 0
Day 0
Manual
cancellation
Day -1
14.00
Day -1
16.00
-
-
Salary and
pension
payment
To an account outside Nordea Bank Latvia
Urgent payments
Cancellation
All payment types
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
22(42) Page
Reference
7.16 Cut-off times and currency rules, Nordea Bank Latvia, International payments
Note: CET +1 hour applies in Latvia.
Local payment types
Currency
Payment type
MIG
Nordea Payment – if beneficiary’s
bank account is with Nordea
DKK, EUR, GBP, ,
NOK, PLN, SEK, SGD,
USD
USD, EUR to EU
USD
Nordea Payment
Ordinary international payments –
if beneficiary’s bank account is
not with Nordea
Corporate
eGateway
cut-off time
(CET)
Day 0
18:00
Local
cut-off time
(CET)
Debit
account
Day 0
19:00
Day 0
Available to
beneficiary/
correspondent
bank
Day +1
Day 0
18:00
Day 0
19:00
Day 0
Day +1
18:00
19:00
Urgent payment
Day 0
15.00
14:30
Day 0
16.00
15:30
Day 0
Day +1
Same day value
(express payment)
13:00
14:00
Day 0
Day 0
Intercompany
Payment
10:00
12:00
6:30
Day 0
15.00
11:00
13:00
7:30
Day 0
16.00
Day 0
Day 0
DKK, GBP, NOK,
EUR, PLN, SEK,
Intercompany
Payment
Day 0
14:30
Day 0
15:30
Day 0
Day 0
All currencies
Manual
cancellation
Day -1
14.00
Day -1
16.00
-
-
Ordinary Payment
Other currencies
Express payment
Same day value payment
Intercompany Payment
within Nordea
USD
DKK, GBP, NOK,
PLN, SEK, EUR
EUR, USD,
DKK
NOK, GBP, SEK,
PLN RUB
USD
Day +2
Cancellation
All payment types
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
23(42) Page
Reference
7.17 Cut-off times, Nordea Bank Lithuania, Domestic payment
Note: CET +1 hour applies in Lithuania.
Local payment types
Payment
type
MIG
Corporate
eGateway
cut-off time
(CET)
Local cut-off
time (CET)
Debit account
Available to
beneficiary bank
Payment
to an account in Nordea Bank Lithuania
Payment to an account outside Nordea
Bank Lithuania
Payment to
account
Day 0
17:00
Day 0
14:00
Day 0
18:00
Day 0
15:00
Day 0
Day 0
Day 0
Day 0
SEPA payments
Payment to
account
Salary payment
Day 0
17:00
Day 0
Day 0
18:00
Day 0
Day 0
Day 1 *
To an account in Nordea Bank Lithuania
17:00
18:00
Day 0
Day 0
To an account outside Nordea Bank
Lithuania
14:00
15:00
Day 0
Day 0
Day -1
14.00
Day -1
16.00
-
-
Salary payments
Cancellation
All payment types
Manual
cancellation
* Note: For domestic payment it is recommended to use Payment to account which will give same day value. (SEPA payments D+1)
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
24(42) Page
Reference
7.18 Cut-off times and currency rules, Nordea Bank Lithuania, International payment
Note: CET +1 hour applies in Lithuania.
Local payment types
Currency
Payment type
MIG
Nordea Payment – if beneficiary’s
bank account is with Nordea
(with currency exchange)
Ordinary international payments –
if beneficiary’s bank account is
not with Nordea
(with currency exchange)
EUR, USD
DKK, GBP, NOK,
PLN, SEK,
EUR
Ordinary payment
Express payment
AUD GBP, NOK, SEK,
, USD, CAD, CHF,
CZK, DKK, HKD, JPY,
PLN, SGD, , BGN,
HUF, KWD, , RON, ,
HRK, KWD, RUB,
INR
All currencies
Same day value payment
All currencies
Intercompany Payment
within Nordea
EUR, USDDKK, GBP,
NOK, PLN, SEK
Ordinary payment
Urgent payment
Same day value
(express payment)
Intercompany
Payment
Corporate
eGateway
cut-off time
(CET)
Day 0
13.00
Local
cut-off time
(CET)
Debit
account
Day 0
14.00
Day 0
Available to
beneficiary/
correspondent
bank
Day +1
Day 0
13.00
Day 0
14.00
Day 0
Day +1
Day 0
13.00
Day 0
14.00
Day 0
13.00
14:00
Day 0
14.00
15:00
Day 0
Day +1
Day 0
Day 0
Day 0
13:00
Day 0
14:00
Day 0
Day 0
Day 0
13:00
Day 0
14:00
Day 0
Day 0
Day -1 4
14.00
Day -1 4
16.00
-
-
Day +2
Cancellation
All payment types
4
All currencies
Manual
cancellation
Nordea will perform all manually ordered cancellations on a best effort basis. For further information, please contact your
local cash management adviser.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
25(42) Page
Reference
7.19 Cut-off times, Nordea Bank USA and Canada
Note: CET - 6 hours applies in USA / New York.
Local payment types
Payment
type
MIG
Nordea Bank USA ACH file processing
(only USD)
Canada: Nordea Bank USA ACH file
processing (only CAD)
Outsourced check file processing (USA
and CAD)
Domestic wire payment (US)
Domestic ACH
payment
Domestic ACH
payment
Domestic
check payment
Domestic wire
payment
Domestic wire
payment
International
wire payment
International
wire payment
International
intercompany
payment
Domestic wire payment (CA)
International wire payment (US)
International wire payment (CA)
International Intercompany payment (US
and CA)
Corporate
eGateway
cut-off time
(CET)
Day 0
19.00
Day 0
17.00
Day 0
19.00
Day 0
20.00
Day 0
16.00
Day 0
20.00
Day 0
16.00
Day 0
14.00
Local cut-off
time (CET)
Debit account
Day 0
20.00
Day 0
18.00
Day 0
20.00
Day 0
21.00
Day 0
17.00
Day 0
21.00
Day 0
17.00
Day 0
15.00
Day +1
Available to
beneficiary/
correspondent
bank
Day +1
Day +1
Day +1
Debited when
cashed
Day 0
Printed and mailed
on Day +1
Day 0
Day 0
Day 0
Day 0
Day+2
Day 0
Day+2
Day 0
Day 0
Day 0
18.00
Day 0
20.00
-
-
Cancellation
All payment types
Manual
cancellation
7.20 Cut-off times, OJSC Nordea Bank, Russia, Domestic payment
Note: CET +2 hour applies in Moscow and Saint-Petersburg.
Local payment types
Payment
type MIG
Local cut-off
time (CET)
Debit account
Available to
beneficiary bank
Payment to
account
Payment to
account
Corporate
eGateway
cut-off time
(CET)
Day 0
12.00
Day 0
12.00
Domestic payment to account (Roubles or
foreign currency)
Salary payment
Day 0
13.00
Day 0
13.00
Day 0
Day 0 5
Day 0
Day 0 11
Manual
cancellation
Day -1
14.00
Day -1
16.00
-
-
Cancellation
All payment types
5
The information about the payment is available to the beneficiary bank:
Day 0 – if the beneficiary bank is a participant of an electronic settlement system and is situated in the same city as the
branch of OJSC Nordea Bank, Russia which executes transfering funds
Day +1 – if the beneficiary bank is a participant of an electronic settlement system and is not situated in the same city as the
branch of OJSC Nordea Bank, Russia which executes transfering funds
Day +X – if beneficiary bank is not a participant of an electronic settlement system, where X is the number of days necessary
for delivering the payment document to the beneficiary bank by post or by telegraph
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
26(42) Page
Reference
7.21 Cut-off times and currency rules, OJSC Nordea Bank, Russia, International payment
Note: CET +2 hour applies in Moscow and Saint-Petersburg.
Local payment types
Currency
Payment type
PAYMUL
Corporate
eGateway
cut-off time
(CET)
Day 0
12.00
Day 0
12.00
Local
cut-off time
(CET)
Debit
account
Day 0
13.00
Day 0
13.00
Day 0
Available to
beneficiary/
correspondent
bank
Day 0
Ordinary International payment
All currencies 6
Ordinary payment
International payment to accounts
opened with the banks of Nordea
Group (Nordea payment)
Nordea Intercompany payment
All currencies 12
Ordinary payment
Day 0
Day 0
All currencies
Intercompany
payment
Day 0
12.00
Day 0
13.00
Day 0
Day 0
All currencies 12
Manual
cancellation
Day -1
14.00
Day -1
16.00
-
-
Cancellation
All payment types
8
Cut-off times Direct Debit
Cut-off times for interchange between the Customer, the Message Centre at Nordea and Nordea
Companies. Please see Cut-off Time definition forDirect Debit.
8.1 Cut-off times for Direct Debit, Nordea Bank Sweden
Direct debit instructions
effected by Nordea Bank
Sweden
Bankgiro (BGC) - Autogiro 7
Message type
DIRDEB
pain.007
pain.008
- Autogiro
Corporate
eGateway
Cut-off time
(CET)
Day –1
15.00
Local Cut-off time
(CET)
Debit Debtor’s
account
Available to
Creditor’s account
Day –1
16.00
Day 0
Day 0
DIRDEB
camt.055
Day –1
15.00
Day –1
17.00
-
-
Cancellation
Bankgiro (BGC) - Autogiro
(All payment types)
8.2 Cut-off times for Direct Debit, Nordea Bank Norway
6
All currencies, except for currencies with limited convertibility implied by respective national authorities, for example CNY
(Chinese Yuan), ARS (Argentine Peso) and BRL (Brasilian Real), etc.
7
Direct Debit transactions will be accepted and executed by BGC up to five days after Payment day.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
27(42) Page
Reference
Nets - Avtalegiro option A 8
Message
type
DIRDEB
pain.008
- Avtalegiro
Nets - Avtalegiro option B 9
- Avtalegiro
Direct debit instructions
effected by Nordea Bank
Norway
Corporate
eGateway
cut-off time
(CET)
Day (see option)
13.00
Day (see option)
13.00
Local cut-off
time (CET)
Debit Debtor’s
account
Available to
Creditor’s account
Day (see option)
14.00
Day (see option)
14.00
Day 0
Day 0
Day 0
Day 0
Day –1
13.00
Day –1
14.00
-
-
Cancellation
Nets - Avtalegiro
DIRDEB
camt.055
(All payment types)
8
Option A: Creditor sends information (notice or invoice) through his bank:
Before 13.00 the last business day of the month. All collections that have payment day from the 15 in the following
month and including the 14 the month after, must be sent within this time limit.
9
Option B: Creditor sends information himself:
Before 13.00 nine calendar days before Payment date. The nine calendar days are counted from the cut-off on the business
day the Direct Debit orders will be processed.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
28(42) Page
Reference
8.3 Cut-off times for DIRDEB, Nordea Bank Denmark
Nets – BetalingsService
Message
type
DIRDEB
pain.008
BS
Nets – LeverandørService
LS
Direct debit instructions
effected by Nordea Bank
Denmark
Corporate
eGateway
cut-off time
(CET)
Day 10
08.00
Day -1
15.30
Local cut-off
time (CET)
Debit Debtor’s
account
Available to
Creditor’s
account
Day
09.00
Day -1
16.30
Day 0
Day 0
Day 0
Day 0
Day -1
07.00
Day -1
09.00
-
-
Day -1
14.30
Day -1
16.30
-
-
Cancellation
Nets - BetalingsService
DIRDEB
(or manual
cancellation)
camt.055
Nets – LeverandørService
DIRDEB
camt.055
9
Cut-off times for status reports (EDIFACT BANSTA or XML pain.002)
9.1 Cut-off times for status reports for payments & direct debits (file delivery day) for all
Nordea Companies
This BANSTA/XML pain.002 (status report) reflects the response that the customer receives on delivery
day in return for PAYMUL/XML pain.001 or pain.008 Message. BANSTA/XML pain.002 messages
delivered by Corporate eGateway - according to chapters 2.6, 2.7, and 2.8 in the Functional
Specification for payments - are normally sent within ½ hour from the arrival of the PAYMUL/XML
pain Messages.
Status reports (BANSTA or pain.002) Messages delivered by the executing countries are sent according
to the table below.
No status reports (BANSTA/pain.002) Messages are available from Nordea Bank USA; hence all
available validations are done in Corporate eGateway.
Message type
Status reports for
payments
Domestic and
International Payments
Corporate
eGateway
cut-off time
Day 0
+ 2 hours
Reflecting day
of sent PAYMUL
Message
Day 0
Nordea Bank Estonia
Domestic Payments
N/A
N/A
Nordea Bank Finland
Domestic Payments
Day 0
+ 2 hours
Day 0
Nordea Bank Germany
Domestic Payments
N/A
N/A
Nordea Bank Great Britain
Domestic Payments
N/A
N/A
From the Message
Centre to customer
Nordea Bank Denmark
10
Comments
For Denmark the status report Message is
normally sent within one hour after the
arrival of the PAYMUL Messages.
Status reports for domestic payments in
Estonia are only sent on Payment day.
For Finland the status report Message is
normally sent within one hour of the
arrival of the payment Messages
Status reports for domestic payments in
Germany are only sent on Payment day.
Status reports for domestic payments in
Great Britain are sent continuously from
Six Danish business days prior to the first day of the coming month (for debit/payment day the next month).
Direct Debit transactions are not rejected by Corporate eGateway until three Business Days before the first day of the coming month.
However, for transactions received by Corporate eGateway/Nets in the period between the cut-off time stated in the table above and the
time limit three days before the first day of the coming month, Nets will charge additional transaction costs.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
29(42) Page
Reference
Nordea Bank Latvia
Domestic Payments
N/A
N/A
Nordea Bank Lithuania
Domestic Payments
N/A
N/A
Nordea Bank Norway
Domestic and
International Payments
Day 0
+ 2 hours
Day 0
OJSC Nordea Bank, Russia
N/A
N/A
Nordea Bank Sweden - PlusGiro
Domestic and
International Payments
Domestic Payments
Day 0
+ 2 hours
Day 0
Nordea Bank Sweden - BGC
Domestic Payments
Day 0
Day 0
All Nordea Companies except
Denmark, Norway and Russia
International Payments
N/A
N/A
reception until (and including) Payment
day.
Status reports for domestic payments in
Latvia are only sent on Payment day.
Status reports for domestic payments in
Lithuania are only sent on Payment day.
For Norway the status report Message is
normally sent within one hour of the
arrival of the payment Messages.
Status reports for all payment types in
Russia are only sent on Payment day.
For PlusGiro - Sweden the status report
Message is normally sent within one hour
of the arrival of the payment Messages.
For Sweden the status report Message is
sent between 20.00 and 23.00 on the day
of the arrival of the payment Message.
Status reports for international payments
are normally sent within one hour of the
arrival of the payment Message.
9.2 Cut-off times status reports for Direct Debit and authorisations (file delivery day) for
all Nordea Companies
This status report or authorisation sent by either Corporate eGateway or the local ACH, reflects the
response that the Customer receives on the day of delivery in return for a Direct Debit and/or
authorisations Message.
Message type
BANSTA for
DIRDEBor
AUTHOR (1)
pain.002 for
pain.008
pain.012 for
pain.009 or
pain.011
Direct debits
Corporate
eGateway
cut-off time
Reflecting day
of sent DIRDEB
or AUTHOR (1)
Message
or
pain.008
pain.009
pain.011
Day 0
+ 1 hour
Day 0
Acknowledgement
Message
Day 0
+ 1 hour
Day 0
BANSTA, AUTHOR, pain.002 or pain.012
from Message Centre 12
Nets Denmark
Direct debits
Day 0
+ 2 hours
Day 0
Nets Denmark 13
N/A
N/A
Nets Norway
Acknowledgement
Message
Direct debits
N/A
N/A
For Denmark the BANSTA Message is
normally sent within one hour of the arrival of
the DIRDEB Messages.
Depends on debtor’s bank.
BANSTA or AUTHOR from Message Centre
Only paper based status report possible
BGC Sweden
Direct debits
Day 0
Day 0
BGC Sweden
Acknowledgement
Message
N/A
N/A
From the Message
Centre to customer 11
All Nordea Companies from the
Message Centre
Nets Denmark
BGC Sweden
Comments
From ACH to
Customer
11
For Sweden the BANSTA/pain.002 Message is
sent between 20.00 and 23.00 on the day of the
arrival of the DIRDEB/pain.008 Message.
Depends on debtor’s bank.
BANSTA/pain.002 or AUTHOR/pain.012 from
Message Centre
Only rejected direct debit instructions will be reported from the Message Centre and/or the ACH.
The type of status Message reply for AUTHOR (1)/pain.009/pain.011 Message is dependent on the reason of
rejection.
13
Note: AUTHOR (1)/pain.009, pain.011 service can only be used for Denmark and Sweden.
12
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
30(42) Page
Reference
9.3 Cut-off times status report (payment day) for all Nordea Companies
This status report (EDIFACT BANSTA or XML pain.002) reflects the response that the customer
receives in return for the actual requested payment date regarding a PAYMUL/pain.001 or
DIRDEB/pain.008 Message. For some countries the status report is also created if insufficient funds are
detected on payment day.
No status report Message is available from Nordea Bank USA. Telephone or e-mail will be the means of
communication in case of insufficient funds.
Nordea Bank Denmark
Message type
BANSTA for PAYMUL or
pain.002 for pain.001
Direct debits
Nordea Bank Estonia
Domestic Payments 14
Nordea Bank Finland
- Domestic Payments
Nordea Bank Germany
Domestic Payments 14
Nordea Bank Great Britain
Domestic Payments
Nordea Bank Latvia
Domestic Payments
Nordea Bank Lithuania
Domestic Payments
Nordea Bank Norway
Domestic Payments
Nordea Bank Norway
Direct debit Payments
Day +1
13.00
Day 0
15.00
Day +1
03.00
Day +1
17.00
Day 0
17.00
Day 0
15.00
Day 0
15.00
Day 0
18.00
N/A
OJSC Nordea Bank, Russia
- Domestic Payments 14
- International payments
Domestic Payments
Day 0
16.00
N/A
Nordea Bank Sweden - BGC
- Domestic Payments
- Direct debit Payments
Day 0
13.00
All Nordea Companies
International Payments
Day 0
12.00
From the Message
Centre to Customer
Nordea Bank Sweden - PlusGiro
14
Corporate eGateway
cut-off time (CET)
Reflecting requested payment date
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Only paper based status report possible
Only paper based status report possible
from PlusGiro
Day 0
Domestic Payments - For insufficient
funds, only paper based status report
possible from Bankgiro
Day 0
Status reports for German, and Russian domestic payments is always sent on payment day and will include only rejected
payments.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
31(42) Page
Reference
9.4 Cut-off times AUTHOR (2)/pain.012 for all Nordea companies
The AUTHOR (2)/pain.012 Message is sent to the customer whenever any changes occur or information
is made available by the local ACH.
From the Message
Centre to Customer
Message type
AUTHOR (2)/pain.012
Corporate eGateway
cut-off time (CET)
Nets Denmark
Acknowledgement Message
Nets Norway
Acknowledgement Message
BGC Sweden
Acknowledgement Message
Day +1 15
06.00
Day +1
18.00
Day 0 16
17.00
15
In response to a registered
acknowledgement from Debtor’s
Bank
Day 0
Day 0
Day 0
12.00
Delivery on Day +1 requires that the AUTHOR (2)/pain.012 Message be delivered on a daily basis.
BGC (e.g. Nordea) will deliver the AUTHOR (2)/pain.012 Message the very same day as debtor’s bank registers and
acknowledges
the mandate request from creditor/BGC.
16
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
32(42) Page
Reference
10 Cut off times for EDIFACT messages CONTRL, CREMUL, DEBMUL and FINSTA
or XML messages pain.002, camt.054 and camt.053
10.1 Cut-off times CONTRL/pain.002
From the Message Centre
to Customer
Corporate
eGateway
cut-off time
Reflects day of sent
EDIFACT/XML Message
Nordea’s Message Centre
Day 0
+ 0.30 hours
Day 0
Day 0
+ 1.00
Day 0
From the Customer
to Message Centre
Customer
Comments
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
33(42) Page
Reference
10.2 Cut-off times CREMUL/camt.054 for all Nordea Companies
The credit advice/notification Message is sent to the customer whenever information is made available
from the local Nordea Companies, or ACH. The cut-off times listed below indicates the latest expected
delivery time.
From the Message
Centre to Customer
Message type CREMUL/camt.054
Corporate eGateway
cut-off time (CET)
Reflects Nordea
Company’s Booking Day
Nordea Bank Denmark
- Domestic Payments
- Transfer form (FIK)
- Domestic Payments
- Bank transfer from other banks
- Bank transfer within Nordea 17
Day 0
8.00
Day 0
08.00
Day 0
17.00
Day 0
17.00 18
Day 0
07.00
Day 0
20.00 19
Day +1
03.00
N/A
N/A
Day 0
20.00
Day 0
20.00
Day 0
19.00
Day +1
00.30
Day 0
19.00
Day +1
00.30
N/A
18.00
18.00
Day 0
23.00
Day 0
All Swedish domestic payments
Option 1: Deliveries during the day
Day 0
15.00; 18.15 & 23.15
Day 0
All Swedish domestic payments
Option 2: Delivery the following day
Day +1
07.00
Day 0
- International Payments
Nets – Denmark
Direct debit
Nordea Bank Estonia
- Domestic Payments
- International Payments
- Domestic Payments, Direct debit and
International Payments
Domestic & International Payments
Domestic & International Payments
- Domestic Payments
- International Payments
- Domestic Payments
- International Payments
- Domestic Payments
- from Nets
- within Nordea Norway
Nordea Bank Finland
Nordea Bank Germany
Nordea Bank Great Britain
Nordea Bank Latvia
Nordea Bank Lithuania
Nordea Bank Norway
- Direct debit
- International Payments
OJSC Nordea Bank, Russia
Nordea Bank Sweden (BGC)
Nordea Bank Sweden (PlusGiro)
Nordea Bank Sweden - Total IN
(Plusgiro)
Nordea Bank Sweden – Total IN
(Plusgiro)
Domestic & International Payments
- Direct debit
- BG-Inbetalnings Service
- International Payments
Day 0
Day 0
Day 0
N/A
N/A
Day 0
Day 0
Day 0
N/A
Day 0
Day 0
10.3 Cut-off times DEBMUL/camt.054 for all Nordea Companies
The debit advice/notification Message is sent to the Customer whenever information is made available
from the local Nordea Companies, or ACH.
From the Message
Centre to Customer
Message type DEBMUL/camt.054
Corporate eGateway
cut-off time (CET)
Reflects Nordea
Company’s
Booking Day
Nordea Bank Denmark
Domestic Payments
Day +1
06.00
Day 0
17
Bank transfers within Nordea Denmark are booked one day prior to bank transfers from other banks, CREMUL on
payments received at Nordea Denmark after 16:00 day 0 will not be delievered until day +1, 06:00.
18
Credit advices/notifications received at Nordea Denmark after 16:.00 day 0 will not be delivered until day +1, 06.00.
19
Credits made to the account later than 18:00 local time will not be reported in a CREMUL until day +1, 08:00 local time.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
34(42) Page
Reference
Nets – Denmark
Direct debit Payments
Nordea Bank Estonia
Domestic Payments
Nordea Bank Finland
Domestic Payments
Nordea Bank Germany
Nordea Bank Great Britain
Nordea Bank Latvia
Domestic & International Payments
Domestic & International Payments
Domestic Payments
Nordea Bank Lithuania
Domestic Payments
Day 0
18.00
Nordea Bank Norway
- Domestic Payments
- Domestic Payments
Day 0
18.30
Day 0
18.00
N/A
Day +1
01.00
Day 0
22.00
- Direct Debit (Re-funds)
18.00
- Domestic Payments
Day +1
07.00
Day +1
01.00
- International Payments
OJSC Nordea Bank, Russia
Nordea Bank Sweden
Domestic & International Payments
International Payments
Nordea Bank Sweden (BGC)
Nordea Bank Sweden (PlusGiro)
- International Payments
Day 0
19.00
Day 0
18.00
Day +1
03.00
N/A
N/A
Day 0
18.00
Day 0
Day 0
Information sent approx. five
times each day
Day 0
N/A
N/A
Day 0
Information sent twice each
day
Day 0
Information sent three times
each day
Day 0
Day 0
N/A
Day 0
Day 0
Day 0
Day 0
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
35(42) Page
Reference
10.4 Cut-off times account statement for all Nordea Companies
The FINSTA (EDIFACT) or camt.053 (XML) Message is sent to the Customer whenever information is
made available from the local Nordea Companies. If the Customer uses matched debit transactions
within the account statement, a dependency also exists towards any local ACH.
From the Message
Centre to Customer
Message type
FINSTA/camt.053
Corporate eGateway
cut-off time (CET)
Nordea Bank Denmark
Account Statement
Nordea Bank Estonia
Account Statement
Nordea Bank Finland
Account Statement
Nordea Bank Germany
Account Statement
Nordea Bank Great Britain
Account Statement
Nordea Bank Latvia
Account Statement
Nordea Bank Lithuania
Account Statement
Nordea Bank Norway
Account Statement
Nordea Bank USA (Canada)
Account Statement
OJSC Nordea Bank, Russia
Account Statement
Day +1
04.00
Day +1
07.00
Day +1
03.00
Day +1
07:00
Day +1
07.00
Day +1
07.00
Day +1
07.00
Day +1
05.30
Day + 1
07.00
Day +1
09:00
Nordea Bank Sweden
Account Statement
Nordea Bank Sweden
(PlusGiro)
Account Statement
Day 0
23.00
Day +1
01.00
Reflects Nordea
Company’s Booking
Day
Day 0
Comments
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
Day 0
In the Saint-Petersburg branch of
OJSC Nordea Bank, Russia cut-off
time for the accounts with overdraft
facility is Day+1 10.00 (CET)
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
36(42) Page
Reference
11 Bank holidays for all Nordea Companies
The tables below show which bank holidays apply for Nordea Companies. These must be observed
regarding the cut-off times etc. when sending Messages to the Message Centre on reduced working days
at the Nordea Companies. Please note that the tables below may not be complete. For further
information concerning exact dates for each year, please see Nordea’s homepage: www.nordea.com, or
contact your local cash management adviser or Corporate eGateway Customer Support in Gothenburg.
11.1 Bank holidays in Nordea Bank Denmark
Banks in Denmark are closed every Saturday and Sunday as well as on the following public holidays:
Bank holidays Denmark
Date /Variable date Specification
1 January
New Year’s Day
Variable
Maundy Thursday
Variable
Good Friday
Variable
Easter Monday
Variable
Prayer Day (Store Bededag) (fourth Friday
after Easter)
Variable
Ascension Day
Variable
Friday after Ascension Day
5 June
Constitution day
Variable
Whit Monday
24 December
Christmas Eve
25 December
Christmas Day
26 December
Boxing Day
31 December
New Year’s Eve
Days with reduced working hours
Closing time
N/A
N/A
N/A
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
37(42) Page
Reference
11.2 Bank holidays in Nordea Bank Estonia
Estonian banks are closed every Saturday and Sunday. Other bank holidays in Estonia are as follows:
Bank holidays Estonia
Date / Variable date
Specification
1 January
New Year’s Day
24 February
Independence Day
Variable
Good Friday
1 May
Spring Bank Holiday
23 June
Victory Day
24 June
St. John’s Day
20 August
Restoration of Independence
24 December
Christmas Eve
25 December
Christmas Day
26 December
St. Stephen’s Day
Days with reduced working hours
Closing time
N/A
N/A
N/A
11.3 Bank holidays in Nordea Bank Finland
Banks in Finland are closed on Saturdays and Sundays and on the following public holidays:
Bank holidays Finland
Date /Variable date
Specification
1 January
New Year’s Day
6 January
Epiphany
Variable
Good Friday
Variable
Easter Monday
1 May
May Day
Variable
Ascension Day
Variable
Midsummer Eve
6 December
Independence Day
24 December
Christmas Eve
25 December
Christmas Day
26 December
Boxing Day
Days with reduced working hours
Variable
Maundy Thursday
31 December
New Year’s Eve
20
Closing time
13.00 20
13.00 20
Usual cut-off applies to domestic payments opposite to international payments which, must be sent to the Message Centre
before 08.00 CET (local cut-off at 09.00 CET).
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
38(42) Page
Reference
11.4 Bank holidays in Nordea Bank Germany
Banks in Germany are closed on Saturdays and Sundays. Other public bank holidays in Germany
are as follows:
Bank holidays Germany
Date /Variable date
Specification
21
1 January
New Year’s Day
Variable
Good Friday
Variable
Easter Monday
Variable (May)
Ascension Day
Variable
Whit Sunday
Variable
Corpus Christi
3 Oct
Constitution Day
25 December 21
Christmas Day
21
26 December
Boxing Day
Days with reduced working hours
N/A
N/A
Closing time
N/A
11.5 Bank holidays in Nordea Bank Great Britain
Banks in Great Britain are closed on Saturdays and Sundays. Other public bank holidays in
Great Britain is as follows:
Bank holidays Great Britain
Date /Variable date
Specification
1 January 21
New Year’s Day
Variable
Good Friday
Variable
Easter Monday
22
Variable (May)
May Day
Variable 21
Whit Sunday
21
Variable (August)
August bank holiday
25 December 21
Christmas Day
21
26 December
Boxing Day
Days with reduced working hours
N/A
N/A
21
22
If these dates fall on a weekend the next working day(s) will be a bank holiday.
Bank holiday will always fall on a Monday.
Closing time
N/A
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
39(42) Page
Reference
11.6 Bank holidays in Nordea Bank Latvia
Latvian banks are closed for business on Saturday and Sunday. Other banking holidays in Latvia are:
Bank holidays Latvia
Date / Variable date
Specification
1 January
New Year’s Day
Variable
Good Friday
Variable
Easter Monday
1 May
Labour Day
4 May
Independence day
23 June
Midsummer Eve
24 June
St. John’s Day (Midsummer Day)
18 November
Proclamation of Republic of Latvia Day
24 December
Christmas Eve
25 December
Christmas Day
26 December
Boxing Day
31 December
New Year’s Eve
Days with reduced working hours
Closing time
The working day before a national holiday is an
hour shorter than usual. 23
See above
See above
See above
11.7 Bank holidays in Nordea Bank Lithuania
Lithuanian banks are closed for business on Saturday and Sunday. Other banking holidays in Lithuania are:
Bank holidays in Lithuania
Date / Variable date
Specification
1 January
New Year's Day
16 February
Lithuanian Statehood Restoration Day
11 March
Lithuanian Independence Restoration Day
Variable
Easter Monday
1 May
International Labour Day
24 June
Midsummer Day
6 July
State Day (Crowning of Lithuanian King
Mindaugas)
15 August
Assumption of the Blessed Virgin Mary
1 November
All Saints Day
24 December
Christmas Eve
25 December
Christmas Day
26 December
Christmas Day
Days with reduced working hours
The working day before the national holidays is one hour shorter than
usual. 23
Note: If there is a bank holiday in Finland, no cross-border payments will be forwarded on that day to the Baltic
23
The reduced working hours don’t affect the usual cut-off times.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
40(42) Page
Reference
11.8 Bank holidays in Nordea Bank USA
US banks are closed for business on Saturday and Sunday. Other banking holidays are:
Bank holidays in USA
Date / Variable date
1 January
3rd Monday in January
3rd
Monday
in
February
26 May
4 July
1 September
13 October
11 November
27 November
25 December
Specification
New Year's Day
Martin Luther King Day
President’s day
Memorial Day
Independence Day
Labour Day
Columbus Day
Veterans Day
Thanksgiving Day
Christmas Day
11.9 Bank holidays in Nordea Bank Norway
Norwegian banks are closed every Saturday and Sunday. Other bank holidays in Norway are as follows:
Bank holidays Norway
Date / Variable date
Specification
1 January
New Year’s Day
Variable
Maundy Thursday
Variable
Good Friday
Variable
Easter Monday
1 May
Labour Day
Variable
Ascension Day
17 May
Constitution Day, Norway
Variable
Pentecost Monday
24 December
Christmas Eve
25 December
Christmas Day
26 December
Boxing Day
Days with reduced working hours
Closing time
Variable
Day before Maundy Thursday
13.00 24
31 December
24
New Year’s eve
13.00 25
Cut-off for domestic payments at 11:00 CET (local cut-off at 13:00 CET) and for international payments at 08:00 CET
(local cut-off at 09:00 CET).
25
Cut-off for domestic payments as ordinary opening hours. International payments: Urgent pmts USD,CAD,GBP,EUR &
NOK: 12.00 CET. Urgent pmts CZK and PLN: 10.00 CET. Urgent pmts other currencies: 08.00 CET. Ordinary pmts: 11.30
CET.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
41(42) Page
Reference
11.10
Bank holidays in OJSC Nordea Bank, Russia
Russian banks are closed for business on Saturday and Sunday. Other banking holidays in Russia are:
Bank holidays in Russia
Date
Specification
1, 2, 3, 4 and 5 January New Year's Day
7 January
Christmas
23 February
Defender of the Motherland Day
8 March
International Women’s Day
1 May
Spring and Labour Day
9 May
Victory Day
12 June
Russia’s Day
4 November
Nation’s Unity Day
Days with reduced working hours
The last preceding working day before the national holidays is one hour
shorter than usual.26
26
The reduced working hours don’t affect the usual cut-off times.
Document Title
Version
Cut-off times list
2015-05-18 Date
3.8
42(42) Page
Reference
11.11
Bank holidays in Nordea Bank Sweden
Swedish banks are closed every Saturday and Sunday. Other bank holidays in Sweden are as follows:
Bank holidays Sweden
Date / Variable date
Specification
1 January
New Year’s Day
6 January
Epiphany
Variable
Good Friday
Variable
Easter Monday
1 May
Labour Day
Variable (May)
Ascension Day
6 June
Constitution Day
Variable (June)
Midsummer Eve
24 December
Christmas Eve
25 December
Christmas Day
26 December
Boxing Day
31 December
New Year’s Eve
Days with reduced working hours 27
5 January
Day before January 6
Variable
Day before Good Friday
30 April
Eve of Labour Day
Variable (May)
Eve of Ascension Day
Variable (always a
Eve of All Saints´ Day
Friday)
27
The reduced working hours don’t affect the usual cut-off times.
Closing time
13.00
13.00
13.00
13.00
13.00