The cut-off time is the latest time where Nordea accepts and effects payment orders to and from customers. The cut-off time can vary depending on the payment type and the currency involved.
Cut-off times for eGateway, Corporate Access and Payment services
The cut-off time is the latest time where Nordea accepts and effects payment orders to and from customers. The cut-off time can vary depending on the payment type and the currency involved.
Nordea always seeks to offer the best and the latest cut-off times possible in the market for its cross-border payment products to make our customers benefit from faster and efficient cross-border payments.
As a consequence of a late cut-off for same-day-value payments in some currencies it is important to obtain information about the receiving bank's cut-off times in order to make sure that payments are credited value same day.
Domestic payments
Cut-off times in Nordea Nordic 31 August 2020
(Electronically ordered)
Payment type
Currency
Cut-off time (CET)
Debit value date
Available to receiving bank
Standard credit transfer between accounts in Nordea
DKK
00:00 (1 + 6)
D
D
Between accounts in Nordea (with salary code)
DKK
00:00 (1 + 6)
D
D+1
To an account with another bank (2)
DKK
18:00 (1)
D
D+1
NemAccountPayment via Nordea
DKK
12.00 (4)
D
D+1
Same day credit transfer
Between accounts in Nordea
DKK
00:00 (1 + 7)
D
D
Between accounts in Nordea (with salary code)
DKK
00:00 (1 + 7)
D
D
To an account with another bank (2)
DKK
12:00 (3)
D
D
NemAccountPayment via Nordea
DKK
09:00 (5)
D
D
Express credit transfer
Between accounts in Nordea
DKK
00:00
D
D
To an account with another bank
DKK
00:00
D
D
Intragroup payments between own accounts with Nordea in Denmark
DKK
00:00 (1)
D
D
Intercompany transfer via the Danish central bank
DKK (min 1m)
15:30
D
D
Payment transfer via the Danish central bank
DKK (min 1m)
15:30
D
D
Transfer form (type 01, 04, 15, 71, 73 eller 75)
DKK
18:00 (1)
D
D+1
Please note that the cut-off time in Unitel EDI is 17:00 and Corporate eGateway has special cut-offs.
For Netbank Personal and Netbank SME transfers received and approved before 12:00 will automatically be executed as a Same day credit transfer until you can select execution speed yourself in Netbank.
Same day credit transfers from branches, Netbank, Mobile bank and Corporate Netbank received in Nordea before 7:00, 10:00 and 12:00 are sent to beneficiary bank at 9:00, 12:00 and 14:00 (Three clearing cycles during the day). Cut off time for Corporate eGateway is 10:30 and for Unitel EDI cut off time is 11:30.
Please note that the cut-off time for Corporate eGateway is 11:00 and Corporate Access is 11:30 CET.
Please note that the cut-off time for Corporate eGateway is 08:00 and Corporate Access is 08:30 CET.
Please note that the cut-off time for manually keyed in and imported payments via Corporate Netbank is 18.00 CET.
Please note that the cut-off time for manually keyed in and imported payments via Corporate Netbank is 12.00 CET.
Payment type
Currency
Cut-off time (CET)
Debit value date
Available to receiving bank
Account in Nordea, Finland
Ordinary
EUR
D
D
Account in another Finnish bank
Ordinary
EUR
17:30
D
D+1
Urgent
EUR
15:00 (1)
D
D
Account in another bank inside the euro payments area
Ordinary
EUR
17:30
D
D+1
Currency account in Nordea, Finland
Ordinary
All currencies
15:00 (2)
D
D
Intercompany payment in Nordea, Finland
Ordinary
EUR
D
D
Intercompany payment in Nordea, Group account
Ordinary
Nordea
currencies
D
D
Nordea, Finland has exception to the cut-off times on the following dates:
- New Year's Eve
- Maundy Thursday
On these days the cut-off time for urgent payments is 11:30 CET.
Payments received between 15:00 and 18:00 (CET) will be executed on a best effort basis. Payments received after 18:00 will be executed on the next banking day.
Payment type
Currency
Cut-off time (CET)
Debit value date
Available to receiving bank
Payment with advice
NOK
14:30 (1)
D
D
Payment without advice
NOK
14:30 (1)
D
D
Giro payment
NOK
14:30 (1)
D
D
Payment with KID (OCR)
NOK
14:30 (1)
D
D
Intercompany payments
NOK
20:45
D
D
Salary
NOK
14:30 (1)
D
D
(1) Please note that the cut-off time applies to single payments via Corporate Netbank. Corporate eGateway and Corporate Access has special cut-offs.
Payment type
Currency
Cut-off time (CET)
Debit value date
Available to receiving bank
PlusGiro
Payments with OCR ref
SEK
15:50
D
D (2)
Payments without OCR ref
SEK, EUR
15:50
D
D (3)
Bankgiro
Ordinary
SEK, EUR
09:45
D
D
Account in Nordea Sweden
Ordinary
SEK, EUR
24:00
D
D (3)
Same-day-value and Intercompany
SEK, EUR
24:00
D
D (3)
Account in another Swedish bank
Ordinary
SEK
13:30
D
D
Same-day-value and Intercompany
SEK (over 500,000)
16:15
D
D
Cut-off times in Sweden apply only for domestic payments via Corporate Netbank. For other currencies than stated above, cut-off times for cross-border payments are applicable.
Available on beneficiary's account D+0 or D+1 depending on the agreement with the bank.
Also available on beneficiary's account.
The beneficiary will receive the money order by mail.
Cut-off times in Nordea Nordic 14 October 2019
(Electronically ordered)
Only Nordea currencies: DKK, EUR, GBP, NOK, SEK and USD
CUT-OFF (CET):
Currency
Country
Day 0
1 day before
DKK
Denmark
15:30**
EUR
Euroland
16:00
GBP
Great Britain
15:30
NOK
Norway
15:30**
SEK
Sweden
16:15*
USD
USA
16:00
*Nordea Bank Norway Cut-off 15:30 CET Day 0.
** Nordea Bank Norway Cut-off 15.00 CET Day 0
Cut-off times in Nordea Nordic 1 January 2019
(Electronically ordered)
Currency transfer in Nordea:
Country
Currency
Cut-off (CET)
Value date
Debit/Credit
Denmark
Between own accounts within Nordea Denmark
With currency exchange
EU currencies*
15:00
D+0 / D+0
Without currency exchange
EU currencies*
16:00
D+0 / D+0
Between own accounts within Nordea Denmark
With currency exchange
Other currencies
15:00
D+2 / D+2
Without currency exchange
Other currencies
16:00
D+0 / D+0
Between other accounts within Nordea Denmark
With currency exchange
EU currencies*
15:00
D+0 / D+0
Without currency exchange
EU currencies*
16:00
D+0 / D+0
Between other accounts within Nordea Denmark
With currency exchange
Other currencies
15:00
D+2 / D+3
Without currency exchange
Other currencies
16:00
D+0 / D+0
Finland
Between accounts within Nordea Finland
All currencies
15:00
Norway
Between own accounts within Nordea Norway
With currency exchange
All currencies
15:00
Without currency exchange
15:00
Between other accounts within Nordea Norway
With currency exchange
Nordea currencies**
15:00
Without currency exchange
Nordea currencies**
15:00
Between other accounts within Nordea Norway
With currency exchange
Other currencies
15:00
Without currency exchange
Other currencies
15:00
Sweden
Between accounts within Nordea Sweden (Note: For currency exchange between own accounts use e-Markets or contact the bank)
All currencies
15:00
* BGN, CZK, DKK, EUR, HUF, PLN, RON, SEK + national currencies in countries having made an agreement with EU (NOK, CHF and ISK)
** DKK, EUR, GBP, NOK, SEK and USD.
*** Entry-into-force date for the new value date is 1 January 2018 for DK.
Cut-off times in Nordea Nordic 28 March 2022
(Electronically ordered)
Relates to Intercompany Payment, Financial Payment and Express Payment (Note: Express Payment only in Denmark, Norway and Sweden).
Nordea currencies:
Currency
Country
Cut-off (CET)
Value date Debit / Credit
DKK
Denmark
15:30
D / D
EUR
Euroland
16:00
D / D
GBP
Great Britain
15:30
D / D
NOK
Norway
15:00
D / D
SEK
Sweden
16:15*
D / D
USD
United States
16:00
D / D
*Nordea Bank Norway Cut-off 15:30 CET Day 0.
Other currencies:
Currency
Country
Cut-off (CET)
Value date Debit / Credit
AED
United Arab Emirates
14:00
D+1 / D+1
AUD
Australia
14:00
D+1 / D+1
BGN
Bulgaria
14:00
D+1 / D+1
CAD
Canada
15:30
D / D
CHF
Switzerland
10:00
D+0 / D+0
CNH
China - offshore
15:00
D+1 / D+1
CNY
China
15:00
D+1 / D+1
CZK
Czech Republic
11:00
D / D
HKD
Hong Kong
14:00
D+1 / D+1
HUF
Hungary
11:00
D / D
ILS
Israel
14:00
D+1 / D+1
ISK
Iceland
14:00
D+1 / D+1
JPY
Japan
15:30
D+1 / D+1
KWD
Kuwait
14:00
D+1 / D+1
MXN
Mexico
11:00
D / D
NZD
New Zealand
14:00
D+1 / D+1
PLN
Poland
12:00
D / D
RON
Romania
14:00
D+1 / D+1
RSD
Serbia
15:30
D+1 / D+1
SAR
Saudi Arabia
14:00
D+1 / D+1
SGD
Singapore
14:00
D+1 / D+1
THB
Thailand
14:00
D+1 / D+1
TRY
Turkey
09:00
D / D
ZAR
South Africa
14:00
D+1 / D+1
Other currencies
Other
15:00
D+2 / D+2
Cut-off times in Nordea Nordic 1 January 2016
(Electronically ordered)
All currencies:
Country
Cut-off (CET)
Value date Debit / Credit
Denmark
15:00
D+0 / D+2 *
Finland
15:00
D+0 / D+2 *
Norway
Without currency exchange:
EUR,GBP,NOK,USD
15:00
D+1 / D+1 *
Other currencies
15:00
D+2 / D+2
With currency exchange:
EUR
15:00
D+0 / D+1 *
Other currencies
15:00
D+0 / D+2
Sweden
15:00
D+0 / D+2 *
Nordea Payment
Only Nordea currencies: DKK, EUR, GBP, NOK, SEK, SGD and USD.
Country
Cut-off (CET)
Value date Debit / Credit
Denmark
15:00
D+0 / D+1
Finland
15:00
Norway
Without currency exchange
15:00
D+1 / D+1
With currency exchange
15:00
D+0 / D+1
Sweden
15:00
D+0 / D+1
D = Indicates the banking day when the order is executed
Debit value dating = The number indicates the number of days after execution before the transaction is value dated
Credit value dating = The number indicates the number of days after execution before we credit receiving bank
*D+0/D+0 for EU-payments/SEPA credit transfers (in EUR) within the European Economic Area (EEA) countries (=EU countries plus Iceland, Norway and Liechtenstein) and the United Kingdom received before 14:00 CET.
We offer the following types of incoming payments and cut-off times:
Cut-off times in Nordea Nordic 31 August 2020
(Electronically ordered)
Only Nordea currencies: DKK, EUR, GBP, NOK, SEK and USD
Cut-off (CET)
Currency
Country
Day 0
1 day before
DKK
Denmark
16:00**
EUR
Euroland
16:00
GBP
Great Britain
15:30
NOK
Norway
15:30**
SEK
Sweden
16:15*
USD
USA
16:00
*Nordea Bank Norway Cut-off 15:30 Day 0.
** Nordea Bank Norway Cut-off 15.00 CET Day 0.
Cut-off times in Nordea Nordic 2019
(Electronically ordered)
Currency transfer in Nordea
Country
Currency
Cut-off (CET)
Value date Debit/Credit
Denmark
Between own accounts within Nordea Denmark:
With currency exchange
EU currencies*
15:00
D+0 / D+0
Without currency exchange
EU currencies*
16:00
D+0 / D+0
Between own accounts within Nordea Denmark:
With currency exchange
Other currencies
15:00
D+2 / D+2
Without currency exchange
Other currencies
16:00
D+0 / D+0
Between other accounts within Nordea Denmark:
With currency exchange
EU currencies*
15:00
D+0 / D+0
Without currency exchange
EU currencies*
16:00
D+0 / D+0
Between other accounts within Nordea Denmark:
With currency exchange
Other currencies
15:00
D+2 / D+3
Without currency exchange
Other currencies
16:00
D+0 / D+0
Finland
Between accounts within Nordea Finland
All currencies
15:00
Norway
Between own accounts within Nordea Norway:
With currency exchange
All currencies
15:00
Without currency exchange
All currencies
15:00
Between other accounts within Nordea Norway:
With currency exchange
Nordea currencies**
15:00
Without currency exchange
Nordea currencies**
15:00
Between other accounts within Nordea Norway:
With currency exchange
Other currencies
15:00
Without currency exchange
Other currencies
15:00
Sweden
Between accounts within Nordea Sweden (Note: For currency exchange between own accounts use e-Markets or contact the bank)
All currencies
15:00
* BGN, CZK, DKK, EUR, HUF, RON, SEK + national currencies in countries having made an agreement with EU (NOK, CHF and ISK)
** DKK, EUR, GBP, NOK, SEK and USD.
*** Entry-into-force date for the new value date is 1 January 2018 for DK
Cut-off times in Nordea Nordic 29 March 2022
(Electronically ordered)
For Nordea Bank Denmark: See price list International Payments for customer value dates applied to each product.
Cut-off (CET): Latest time for receipt in Nordea Nordic of payment instructions.
Nordea currencies
Currency
Country
Day 0
1 day before
2 days before
DKK
Denmark
15:30*
EUR
Euroland
16:00
GBP
Great Britain
15:30
NOK
Norway
15:00
SEK
Sweden
16:15**
USD
United States
16:00
* For credit to an account with Nordea Bank Denmark cut-off is 16:00 CET Day 0.
Other currencies
Currency
Country
Day 0
1 day before
2 days before
AED
United Arab Emirates
14:00
AUD
Australia
14:00
BGN
Bulgaria
14:00
CAD
Canada
15:30
CHF
Switzerland
10:00
CNH
China - offshore
15:00
CNY
China
15:00
CZK
Czech Republic
11:00
HKD
Hong Kong
14:00
HUF
Hungary
11:00
ILS
Israel
14:00
ISK
Iceland
14:00
JPY
Japan
15:30
KWD
Kuwait
14:00
MXN
Mexico
11:00
NZD
New Zealand
14:00
PLN
Poland
12:00
RON
Romania
14:00
RSD
Serbia
15:30
SAR
Saudi Arabia
14:00
SGD
Singapore
14:00
THB
Thailand
14:00
TRY
Turkey
09:00
ZAR
South Africa
14:00
Other currencies
Other
15:00
Corporate eGateway's list of cut-off times provides the cut-off times used by the Message Centre and the local cut-off times for each service and country that are part of Corporate eGateway. It describes the date of entry for each booking applied within the Nordea banks and the expected availability at the beneficiary's bank.