This article provides information on payment times, cover checks, statement generation, and restrictions on payment information by bank. Payment materials are sent from Netvisor to the bank within a few minutes of sending. The processing of the material depends on the bank's own payment schedule.


Danske Bank

  • Customer support:
    • tel: 0600 12525, Mon-Fri 8-16
    • email: yritysasiakastuki@danskebank.fi
  • Web Services channel contract number: 7E7144
  • Payment runs: payments and salaries must be sent by 18:30 to be charged on the same day. It is recommended to send payments before 16:00 to be able to contact the bank's customer support in case of problems. 
  • Scheduling of e-invoice materials:
    Material formation runs are performed four (4) times a day, and materials are also transmitted to banks four (4) times a day. The last run starts around 20:00, so materials sent to Danske after that will not make it to the next night's run.
  • E-invoices are sent from Danske Bank every night around 2:00. The same schedules apply to both e-invoices and factoring notifications.
  • Cover check: If there is no cover in the account, the payment material waits for cover for the due date + five banking days. Individual payments/salaries from a Danske Bank account to a Danske Bank account wait for cover for the due date + 7 banking days. After this, the payment material is rejected.
  • Statements: Danske Bank does not generate statements if there have been no transactions during the statement period.
  • Restrictions on payments:
    • The company name can have a maximum of 35 characters
    • The supplier name can have a maximum of 35 characters. If the name is longer and it is a foreign payment, the name must be continued at the beginning of the address field on the first line, the address can then be shortened.
    • The message field can have a maximum of 75 characters
    • The supplier address can have a maximum of 35 characters
    • Payment materials can be sent 365 days before the payment date
    • Cancellation of payment requires contacting the bank's payment traffic advisory

Nordea

  • Customer support: 0200 67210
  • Web Services channel contract number: 32762403
  • Payment runs: Nordea does not have separate payment runs, but payments are sent continuously.
    • Domestic payments by 18:00 on the payment day, at the earliest 90 days before the payment day
    • Currency payments (foreign payments) by 16:00 on the payment day, for the next banking day after 19:00, at the earliest 90 days before the payment day
    • We recommend paying salaries 2 banking days before the payment day by 18:00, at the earliest 30 days before the payment day
    • Payment materials can be sent 90 days before the payment day
  • Cover check: If there is no cover in the account, the payment material waits for cover until 18:00 on the due date. After this, the payment material receives a cover error.
  • Statements: Weekly statements are always generated on the 8th, 15th, 23rd, and 31st of the month (=last banking day of the month), and the statements are always retrieved the next day. If there are no transactions on the statement, Nordea sends a zero-sum statement. 
  • Restrictions on payments:
    • Description field for payments outside the SEPA area: 140 characters go to the message.
    • Electronic cancellation is also possible for payments outside the SEPA area
    • Cancellation is not possible if the original payment was made in bulk with other payments

Osuuspankki

  • Customer support:
    • tel. 0100 05151
  • Web Services channel contract number: 1000047062
  • Payment runs: 
    • SEPA payments starting at 7:00 every half hour until 18:00. Materials received after 18:00 are processed the next banking day. Materials can be sent to wait for payment up to 365 calendar days before the due date.
    • SEPA recurring payments (C2B) starting at 7:00 every half hour until 18:00. Materials received after 18:00 are transferred for processing the next banking day. The due date of the SALA batch must be a banking day, otherwise the batch is rejected.
    • Outgoing foreign payments (C2B) starting at 7:30 every half hour until 17:00. Payments received before 17:00 on the payment day are processed on the same banking day. This also applies to New Year's Eve and Maundy Thursday.
  • Cover check: If there is no cover in the account, the payment material waits for cover until 18:00 on the due date. After this, the payment material receives a cover error.
  • Statements: Osuuspankki does not generate statements if there have been no transactions during the statement period.
  • Restrictions on payments:
    • Payment address information can have a maximum of 70 characters
    • The transfer message can be a maximum of 140 characters long, special characters are not accepted
    • Payments to China: if a BIC code is used for the payment, the payment material must not have the bank's name and address
    • Electronic cancellation is not possible for currency payments (currency other than euro). If you want to cancel a currency payment, you must contact Osuuspankki's customer support. The cancellation message remains in error at the bank's end. 
    • Cancellation is not possible if the original payment was made in bulk with other payments
    • Cancellation is no longer possible on the invoice due date or if the invoice has been put into payment with the due date "immediately" (on the same day)

Samlink (Includes Savings Bank Group, Oma-SP, POP Bank Group, and Handelsbanken Finland's common system provider)

  • Customer support: 
    • tel. 0100 4052
    • Email: info@samlink.fi
  • Cover check: If there is no cover in the account, the payment material waits for cover until 17:30 on the due date. After this, the payment material receives a cover error.
  • Restrictions on payments:
    • The address can have a maximum of 70 characters
    • In China payments, the address can have a maximum of 35 characters
    • Savings Bank message field can have a maximum of 140 characters
    • Cancellation of payment requires contacting the bank's payment traffic advisory
  • Savings Bank Group
    • Web Services channel contract number: 05900378
    • Domestic payments are processed on the same day also to other banks if the material has arrived at the bank before 12:55
    • Salary materials must have arrived at the bank by 17:30 at the latest for the recipient to receive the salary the next day
    • Reference payments are settled once a month, on the 7th of each month
    • Payment materials can be sent 120 days before the payment day
    • Payment material imports are approximately on the hour between 8:00-16:00 and around 18:00 in the evening
    • The material should be in the bank by 17:30 at the latest to ensure it makes it to the last import of the day.
    • Cancellation of payment requires contacting the bank's payment traffic advisory
  • Handelsbanken

    • Web Services channel contract number: 05760962
    • The transfer message field can have a maximum of 35 characters
    • The statement does not form if there are no transactions in the account during the statement period
    • Payment runs occur during the day every hour. The last payment run occurs in the early evening, and there are no payment runs at night.
    • Cancellation of payment requires contacting the bank's payment traffic advisory
  • POP Bank
    • Web Services channel contract number: 06252381

Aktia Oy

  • Customer support: 010 247 6700
  • Web Services channel contract number: 06212831
  • Cover check: If there is no cover in the account, the payment material waits for cover until 17:30 on the due date. After this, the payment material receives a cover error.
  • Payment runs: 
    • SEPA payments: sending time at the latest by 18:00. Payments made by material transfer (Outgoing payments service) delivered to the bank before 14:30 are transmitted to the recipient on the same day.
    • Payment materials (SEPA, SEPA recurring payments, foreign payments) can have a due date up to 120 days in the future. Dates up to 2 days in the past are processed as the current day's date. If the given due date is not a banking day, payments are processed on the next banking day.
    • Salary payment material (SALA) must be sent by 17:30 on the banking day before the salary payment day. If you want the salary to be in the recipient's account on the same day, a normal SEPA payment must be made (before 14:30). Salary materials can be sent 120 days in advance.
    • Foreign payments: sending time at the latest by 15:00
  • Restrictions on payments: 
    • The transfer message field can have a maximum of 140 characters
    • The maximum allowed number of characters for an individual invoice breakdown is 280, including xml tags.
  • Statements: The statement does not form if there are no transactions in the account during the statement period
  • Cancellation of payment requires contacting the bank's payment traffic advisory

Ålandsbanken

  • Customer support: 
    • tel: 020 429 2920
    • Email: asiakaspalvelu@alandsbanken.fi
  • Web Services channel contract number: 55
  • Cover check: If there is no cover in the account, the payment material waits for cover until 16:15 on the due date. After this, the payment material receives a cover error.
  • Payment runs: 
    • SEPA payments: sending time at the latest by 16:00. Payments made by material transfer (Outgoing payments service) delivered to the bank before 15:00 are transmitted to the recipient on the same day.
    • Salary payment material (SALA) must be sent by 16:00 on the banking day before the salary payment day. If you want the salary to be in the recipient's account on the same day, a normal SEPA payment must be made (before 15:00).
    • Foreign payments: sending time at the latest by 16:00
    • Payments on short banking days (Maundy Thursday and New Year's Eve) at the latest by 13:00
  • Restrictions on payments: 
    • The message field can have a maximum of 140 characters
  • Statements: The statement does not form if there are no transactions in the account during the statement period
  • Cancellation of payment requires contacting the bank's payment traffic advisory

S-Bank

  • Customer support: 010 765 8703
  • Web Services channel contract number: 1967543-8
  • Cover check: If there is no cover in the account, the payment material waits for cover until 17:00 on the due date. After this, the payment material receives a cover error.
  • Statements: The statement does not form if there are no transactions in the account during the statement period
  • Cancellation of payment requires contacting the bank's payment traffic advisory

DnB Bank / Den Norske bank

  • Customer support: 010 548 2100 
  • Email: finland.cm@dnb.no
  • Web Services channel contract number: 1967543
  • Currency payments must be processed manually from the statement. For domestic payments, it is possible to receive invoice payment feedback from the bank, which confirms the invoices as paid. 
  • Cancellation of payment requires contacting the bank's payment traffic advisory

Holvi

Holvi can be activated starting from 11.6.2024: Announcement 
Holvi customer support: Holvi customer support contact information

Through Holvi, it is possible

  • To pay purchase invoices and receive payment feedback, which automatically confirms transactions
  • To receive a statement from the bank (KTO) - format. Holvi does not send a statement if there have been no transactions in the account. 
  • To receive machine-readable references (KTL) - format

Holvi currently does not support the following functions

  • Foreign payments (payments outside the SEPA area and currencies other than euro)
  • "ERI" payments, i.e., exporting credit invoices for payment
  • balance inquiry
  • electronic payment cancellation
  • payment of tax transfers (can be handled as a regular transfer)


Keywords: payment run, bank run


This article has been translated using an AI-based translation tool. The contents or wording of these instructions may differ from those in other instructions or in the software.


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