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 dispatch. The processing of the material depends on the bank's own payment schedule.
Danske Bank

  • Customer support:
  • Web Services channel agreement number: 7E7144
  • Payment runs: payments and salaries must be sent by 18:30 to be paid on the same day. It is recommended to send payments before 17:00 to be able to contact the bank's customer support in case of problems.
  • Cover check: If there is no cover in the account, the payment material waits for cover for five banking days from the due date if the payment is made from an account other than Danske Bank. Materials paid from a Danske Bank account wait for cover for 7 banking days from the due date. After this, the payment material receives a cover error.
  • Restrictions on payments:
    • The company name can have a maximum of 35 characters
    • The message field can have a maximum of 75 characters
    • The supplier's address can have a maximum of 35 characters
    • Payment materials can be sent 365 days before the payment date
    • In foreign payments, the customer's name can have a maximum of 34 characters. Any excess characters must be added manually to the customer's address field. 
    • Cancellation of payment requires contacting the bank's payment traffic advisory

Nordea

  • Customer support: 0200 67210
  • Web Services channel agreement number: 32762403
  • Payment runs: Nordea does not have separate payment runs, but payments are sent forward 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: Cover check for payment materials is done at 7:00, 10:00, 13:00, 15:00, and 17:30 --> if there is no cover in the account, the payment material receives a cover error at 18:00
  • 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:
    • phone. 0100 05151
  • Web Services channel agreement number: 1000047062
  • Payment runs: 
    • SEPA payments from 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) from 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) from 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:
    • Address information for payments can have a maximum of 70 characters
    • The message for a transfer 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 is put into payment with the due date "immediately" (same day)

Samlink (the common system provider for the Savings Bank Group, POP Bank Group, and Handelsbanken Finland)

  • Customer support: 
  • 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:
    • Address can have a maximum of 70 characters
    • In payments to China, 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 agreement 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 salary to be received by the recipient 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 date
    • Payment material readings 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 the last reading of the day.
    • Cancellation of payment requires contacting the bank's payment traffic advisory
  • Handelsbanken
    • Web Services channel agreement number: 05760962
    • The message field for transfers can have a maximum of 35 characters
    • Statement is not generated 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 agreement number: 06252381

Aktia Oy

  • Customer support: 010 247 6700
  • Web Services channel agreement 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 by 18:00 at the latest. Payments made by material transfer delivered to the bank before 14:30 (Outgoing payments service) are forwarded 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 material (SEPA recurring payment) is always with the recipient the next banking 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).
    • Foreign payments: sending time by 15:00 at the latest
  • Restrictions on payments: The message field for transfers can have a maximum of 140 characters
  • Statements: Statement is not generated 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: 
  • Web Services channel agreement 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.
  • Statements: Statement is not generated if there are no transactions in the account during the statement period
  • Cancellation of payment requires contacting the bank's payment traffic advisory

S-Pankki

  • Customer support: 010 765 8703
  • Web Services channel agreement 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.
  • Cancellation of payment requires contacting the bank's payment traffic advisory

DnB Bank / Den Norske bank

  • Customer support: 010 548 2100 
  • Email: [email protected]
  • Web Services channel agreement number: 1967543
  • Currency payments must be processed manually from the statement. For domestic payments, invoice payment feedback can be obtained 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 the transactions
  • To receive a statement from the bank in (KTO) format
  • To receive machine-readable references in (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 runs, cover check, statements, payment restrictions, cancellation, danske bank, nordea, osuuspankki, samlink, holvi

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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