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Cut-off times

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) D D
Between accounts in Nordea (with salary code) DKK 00:00 (1) 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) D D
Between accounts in Nordea (with salary code) DKK 00:00 (1) 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

 

  1. Please note that the cut-off time in Unitel EDI is 17:00 and Corporate eGateway has special cut-offs.
  2. 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.
  3. 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. 
  4. Please note that the cut-off time for Corporate eGateway is 11:00 and Corporate Access is 11:30 CET.
  5. Please notE that the cut-off time for Corporate eGateway is 08:00 and Corporate Access is 08:30 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
Money order SEK 12:50 D D + 1 (4)

 

  1. 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.
  2. Available on beneficiary's account D+0 or D+1 depending on the agreement with the bank.
  3. Also available on beneficiary's account.
  4. 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, SGD 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 31 August 2020

(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 10:00 D / D
HKD Hong Kong 14:00 D+1 / D+1
HRK Croatia 14:00 D+1 / D+1
HUF Hungary 08:00 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
RON Romania 14:00 D+1 / D+1
RSD Serbia 15:30 D+1 / D+1
RUB Russia 08:00** D / D
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
PLN Poland 10:00 D / D
Other currencies Other 15:00 D+2 / D+2

**  Nordea Bank Norway cut-off 14:00 CET (D+1 / D+1).

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 31 August 2020

(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  
CAD Canada 15:30    
CHF Switzerland 10:00    
CNH China - offshore   15:00  
CNY China   15:00  
CZK Czech Republic 10:00    
HKD Hong Kong   14:00  
HRK Croatia   14:00  
HUF Hungary 08:00    
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  
RON Romania   14:00  
RSD Serbia   15:30  
RUB Russia 08:00**    
SAR Saudi Arabia   14:00  
SGD Singapore   14:00  
THB Thailand   14:00  
TRY Turkey 09:00    
ZAR South Africa   14:00  
PLN Poland 10:00    
Other currencies Other     15:00

** Nordea Bank Norge ASA cut-off 14:00 CET 1 day before.

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.

eGateway cut-off times

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