Payment processing times at weekends and on public holidays

The weekend is about to begin. Has your payment order to a supplier been processed before you leave the office on Friday? And what about the processing timelines on holidays?

Processing timelines at weekends and on public holidays

You can submit your payment orders 24 hours a day via the Rabo Mobile Banking App, Rabo Internet banking (Professional), Rabo Business Banking and the Rabofoon. Single payments will be credited directly to the account of the beneficiary also during the weekends and holidays, if the bank of the beneficiary supports the instant processing of payment orders . In the Rabo online channels it is displayed if your payment is credited directly to the beneficiary’s account. For payments to accounts with banks that do not support the instant processing of payments, a longer processing time applies. A longer processing time applies also to payment files.

Five examples:

  • You submit a single payment order of €20,- to an account with a bank which supports the instant processing of payments: the amount will be credited directly to the beneficiary account.
  • You submit a payment file to a bank account within The Netherlands: the amount will be credited to the beneficiary account the next working day.
  • You submit Euro’s to an account with a bank within The Netherlands, which does not support the instant processing of payments: the amount will be credited to the beneficiary the next working day.
  • You submit Euro’s to an account with a bank outside the Netherlands, but within the SEPA area: the beneficiary’s bank determines when the money is credited to the beneficiary account. We have no influence over when payments to other banks will effectively be credited on the beneficiary account.
  • You submit a payment in a foreign currency or a payment outside the SEPA area (World Payment): other processing timelines applies. The beneficiary’s bank determines when the money is credited to the beneficiary account.

These countries are part of the SEPA area (in Dutch)

Timelines of Europayments, World Payments and Euro Direct Debits (PDF)

Payments on Public Holidays

Europayments and Euro Direct Debits within the SEPA area

Does the beneficiary of your single Europayment banks with Rabobank, ING, ABN AMRO, Volksbank, Knab, Triodos, Nederlandse Waterschapsbank or LeasePlan Bank? Your payment will mostly be credited directly on the beneficiary account, also during the holidays. We call this Instant Payments. For other Europayments (SEPA) and Euro Direct Debits, different processing times are applicable on holidays. This applies to the following (international) holidays:

  • Good Friday 
  • Easter Sunday and Easter Monday 
  • Labour day (May 1st) 
  • Christmas Day and Boxing Day 
  • New Year’s day 

See the overview below to check when: 

  • A payment order will be transferred to the bank of the beneficiary. 
  • A Euro Direct Debits batch will be processed if the execution date is a holiday.


 

Europayments (Instant Payments*)

Europayments (SEPA**)

Euro Direct debit*** 

Good Friday  

Credited directly

The next working day (Tuesday)

The next working day (Tuesday)

Easter Sunday

Credited directly

The next working day (Tuesday)

The next working day (Tuesday)

Easter Monday

Credited directly

The next working day (Tuesday)

The next working day (Tuesday)

Labour Day (May 1st)

Credited directly

The next working day

The next working day

Christmas Day

Credited directly

The next working day

The next working day

Boxing Day

Credited directly

The next working day

The next working day

New Year's Day

Credited directly

The next working day    

The next working day

Single Europayments to Rabobank, ING, ABN AMRO, Volksbank, Knab, Triodos, Nederlandse Waterschapbank and LeasePlan Bank and reachable banks in Europe with the exception of future dated and periodic payments and payments that require a second signature.

** Payment files, future dated and periodic payments, payments that require a second signature, payments to banks which do not support the direct processing of payments and payments to other banks which we cannot reach for Instant Payments. See below for the details per holiday.

For King’s day, Ascension Day, Whit (Pentecost) Sunday and Whit (Pentecost) Monday the normal processing timelines for Europayments and Euro Direct Debits are applicable.

On most holidays, the bank branches and help desks are closed. It is possible to transfer money online. The processing times for your Europayments and Euro direct debits are set out below.

Europayments (SEPA) processing times per holiday

The processing times for your payments to bank accounts within the Single Euro Payments Area (SEPA) are set out below for the various public holidays. We have no influence over when payments to other banks will effectively be on the beneficiary’s account; that is up to the receiving bank.

Christmas Day (25 December 2021)

We will not send any euro payments on this day. If you submit a euro payment with Saturday, 25 December as its processing date, we will transfer the payment to the beneficiary’s bank on Monday, 27 December. 

If your payment must reach the beneficiary’s bank before 25 December, you need to transfer the money on Friday, 24 December before 2.30 p.m. We will then transfer the payment on the same day. Payments submitted after 2.30 p.m. will be transferred to the beneficiary’s bank on Monday, 27 December.

Boxing Day (26 December 2021)

We will not send any euro payments on this day. If you submit a euro payment with Sunday, 26 December as its processing date, we will transfer the payment to the beneficiary’s bank on Monday, 27 December. 

If your payment must reach the beneficiary’s bank before 26 December, you need to transfer the money on Friday, 24 December before 2.30 p.m. We will then transfer the payment on the same day. Payments submitted after 2.30 p.m. will be transferred to the beneficiary’s bank on Monday, 27 December.

New Year’s Day (1 January 2022)

We will not send any euro payments on this day. If you submit a euro payment with Saturday, 1 January as its processing date, we will transfer the payment to the beneficiary’s bank on Monday, 3 January. 

If your payment must reach the beneficiary’s bank before 1 January, you need to transfer the money on Friday, 31 December before 2.30 p.m. We will then make sure the payment is transferred before the end of 2021. Payments submitted after 2.30 p.m. will be transferred to the beneficiary’s bank on Monday, 3 January 2022.

Good Friday (15 April 2022)

We will not send any euro payments on this day. If you submit a euro payment with Friday, 15 April as its processing date, we will transfer the payment to the beneficiary’s bank on Tuesday, 19 April.

If your payment must reach the beneficiary’s bank before 15 April, you need to transfer the money on Thursday, 14 April before 2.30 p.m. We will then transfer the payment on the same day. Payments submitted after 2.30 p.m. will be transferred to the beneficiary’s bank on Tuesday, 19 April.

Easter Sunday (17 April 2022)

We will not send any euro payments on this day. If you submit a euro payment with Sunday, 17 April as its processing date, we will transfer the payment to the beneficiary’s bank on Tuesday, 19 April.

If your payment must reach the beneficiary’s bank before 17 April, you need to transfer the money on Thursday, 14 April before 2.30 p.m. We will then transfer the payment on the same day. Payments submitted after 2.30 p.m. will be transferred to the beneficiary’s bank on Tuesday, 19 April.

Easter Monday (18 April 2022)

We will not send any euro payments on this day. If you submit a euro payment with Monday, 18 April as its processing date, we will transfer the payment to the beneficiary’s bank on Tuesday, 19 April.

If your payment must reach the beneficiary’s bank before 18 April, you need to transfer the money on Thursday, 14 April before 2.30 p.m. We will then transfer the payment on the same day. Payments submitted after 2.30 p.m. will be transferred to the beneficiary’s bank on Tuesday, 19 April.

King’s Day (Koningsdag) (27 April 2022)

We will send euro payments as usual on this day. If you submit a euro payment before 2.30 p.m. on Wednesday, 27 April for processing on that date, we will transfer the payment to the beneficiary’s bank on the same day. If we receive the payment order after that time, we will send the money on Thursday 28 April.

Labour Day (1 May 2022)

We will not send any euro payments on this day. If you submit a euro payment with Sunday, 1 May as its processing date, we will transfer the payment to the beneficiary’s bank on Monday, 2 May.

If your payment must reach the beneficiary’s bank before 1 May, you need to transfer the money on Friday, 29 April before 2.30 p.m. We will then transfer the payment on the same day. Payments submitted after 2.30 p.m. will be transferred to the beneficiary’s bank on Monday, 2 May.

Ascension Day (26 May 2022)

We will send euro payments as usual on this day. If you submit a euro payment before 2.30 p.m. on Thursday, 26 May for processing on that date, we will transfer the payment to the beneficiary’s bank on the same day. If we receive the payment order after that time, we will send the money on the next banking day.

Whit Sunday (5 June 2022)

We will not send any euro payments on this day. If you submit a euro payment with Sunday, 5 June as its processing date, we will transfer the payment to the beneficiary’s bank on Monday, 6 June.

If your payment must reach the beneficiary’s bank before 5 June, you need to transfer the money on Friday, 3 June before 2.30 p.m. We will then send the payment on the same day. Payments submitted after 2.30 p.m. will be transferred to the beneficiary’s bank on Monday, 6 June.

Whit Monday (6 June 2022)

We will send euro payments as usual on this day. If you submit a euro payment before 2.30 p.m. on Monday, 6 June for processing on that date, we will transfer the payment to the beneficiary’s bank on the same day. If we receive the payment order after that time, we will send the money on the next banking day.

Christmas Day (25 December 2022)

We will not send any euro payments on this day. If you submit a euro payment with Sunday, 25 December as its processing date, we will transfer the payment to the beneficiary’s bank on Tuesday, 27 December. 

If your payment must reach the beneficiary’s bank before 25 December, you need to transfer the money on Friday, 23 December before 2.30 p.m. We will then transfer the payment on the same day. Payments submitted after 2.30 p.m. will be transferred to the beneficiary’s bank on Tuesday, 27 December.

Boxing Day (26 December 2022)

We will not send any euro payments on this day. If you submit a euro payment with Monday, 26 December as its processing date, we will transfer the payment to the beneficiary’s bank on Tuesday, 27 December. 

If your payment must reach the beneficiary’s bank before 26 December, you need to transfer the money on Friday, 23 December before 2.30 p.m. We will then transfer the payment on the same day. Payments submitted after 2.30 p.m. will be transferred to the beneficiary’s bank on Tuesday, 27 December.

New Year’s Day (1 January 2023)

We will not send any euro payments on this day. If you submit a euro payment with Sunday, 1 January as its processing date, we will transfer the payment to the beneficiary’s bank on Monday, 2 January. 

If your payment must reach the beneficiary’s bank before 1 January, you need to transfer the money on Friday, 30 December before 2.30 p.m. We will then make sure the payment is transferred before the end of 2022. Payments submitted after 2.30 p.m. will be transferred to the beneficiary’s bank on Monday, 2 January 2023.

 

Euro Direct Debits processing times per holiday

The processing times for your euro direct debits are set out below.

Christmas Day (25 December 2021)

We will not send any euro direct debits on this day.


If your direct debit instruction must be processed before 25 December, you need to submit the instruction no later than on Thursday, 23 December at 7 a.m. (core euro direct debit) or no later than on Thursday, 23 December at 11 a.m. (B2B euro direct debit). We will process euro direct debit instructions with processing date Saturday, 25 December on Monday, 27 December.


Boxing Day (26 December 2021)

We will not send any euro direct debits on this day.

If your direct debit instruction must be processed before 26 December, you need to submit the instruction no later than on Thursday, 23 December at 7 a.m. (core euro direct debit) or no later than on Thursday, 23 December at 11 a.m. (B2B euro direct debit). We will process euro direct debit instructions with processing date Sunday, 26 December on Monday, 27 December.

New Year’s Day (1 January 2022)

We will not send any euro direct debits on this day.

If your direct debit instruction must be processed before 1 January 2022, you need to submit the instruction no later than on Thursday, 30 December at 7 a.m. (core euro direct debit) or no later than on Thursday, 30 December at 11 a.m. (B2B euro direct debit). We will process euro direct debit instructions with processing date Saturday, 1 January 2022 on Monday, 3 January.

Good Friday (15 April 2022)

We will not send any euro direct debits on this day.

If your direct debit instruction must be processed before 15 April, you need to submit the instruction no later than on Wednesday, 13 April at 7 a.m. (core euro direct debit) or no later than on Wednesday, 13 April at 11 a.m. (B2B euro direct debit). We will process euro direct debit instructions with processing date Friday, 15 April on Tuesday, 19 April.

Easter Sunday (17 April 2022)

We will not send any euro direct debits on this day.

If your direct debit instruction must be processed before 17 April, you need to submit the instruction no later than on Wednesday, 13 April at 7 a.m. (core euro direct debit) or no later than on Wednesday, 13 April at 11 a.m. (B2B euro direct debit). We will process euro direct debit instructions with processing date Sunday, 17 April on Tuesday, 19 April.

Easter Monday (18 April 2022)

We will not send any euro direct debits on this day.
If your direct debit instruction must be processed before 18 April, you need to submit the instruction no later than on Wednesday, 13 April at 7 a.m. (core euro direct debit) or no later than on Wednesday, 13 April at 11 a.m. (B2B euro direct debit). We will process euro direct debit instructions with processing date Monday, 18 April on Tuesday, 19 April.

King’s Day (Koningsdag) (27 April 2022)

We will send euro direct debits as usual on this day.

If you submit a euro direct debit instruction on Wednesday, 27 April for processing on that date, we will process it the same day.

Labour Day (1 May 2022)

We will not send any euro direct debits on this day.

If your direct debit instruction must be processed before 1 May, you need to submit the instruction no later than on Thursday, 28 April at 7 a.m. (core euro direct debit) or no later than on Thursday, 28 April at 11 a.m. (B2B euro direct debit). We will process euro direct debit instructions with processing date Sunday, 1 May on Monday, 2 May.


Ascension Day (26 May 2022)

We will send euro direct debits as usual on this day.

If you submit a euro direct debit instruction on Thursday, 26 May for processing on that date, we will process it the same day.

Whit Sunday (5 June 2022)

We will not send any euro direct debits on this day.

If your direct debit instruction must be processed before 5 June, you need to submit the instruction no later than on Thursday, 2 June at 7 a.m. (core euro direct debit) or no later than on Thursday, 2 June at 11 a.m. (B2B euro direct debit). We will process euro direct debit instructions with processing date Sunday, 5 June on Monday, 6 June.

Whit Monday (6 June 2022)

We will send euro direct debits as usual on this day.

If you submit a euro direct debit instruction on Monday, 6 June for processing on that date, we will process it the same day.

Christmas Day (25 December 2022)

We will not send any euro direct debits on this day.

If your direct debit instruction must be processed before 25 December, you need to submit the instruction no later than on Thursday, 22 December at 7 a.m. (core euro direct debit) or no later than on Thursday, 22 December at 11 a.m. (B2B euro direct debit). We will process euro direct debit instructions with processing date Sunday, 25 December on Tuesday, 27 December.

Boxing Day (26 December 2022)

We will not send any euro direct debits on this day.

If your direct debit instruction must be processed before 26 December, you need to submit the instruction no later than on Thursday, 22 December at 7 a.m. (core euro direct debit) or no later than on Thursday, 22 December at 11 a.m. (B2B euro direct debit). We will process euro direct debit instructions with processing date Monday, 26 December on Tuesday, 27 December.

New Year’s Day (1 January 2023)

We will not send any euro direct debits on this day.

If your direct debit instruction must be processed before 1 January 2023, you need to submit the instruction no later than on Thursday, 29 December at 7 a.m. (core euro direct debit) or no later than on Thursday, 29 December at 11 a.m. (B2B euro direct debit). We will process euro direct debit instructions with processing date Sunday, 1 January 2023 on Monday, 2 January.

World payments

On the following (International) holidays we will process World payments, except World payments where the currency of the account is different from the currency of the payment:

  • Good Friday 
  • Easter Sunday and Easter Monday 
  • Labour day (May 1st) 
  • Christmas Day and Boxing Day 
  • New Year’s day

World payments where the currency of the account differs from the currency of the payment will be transferred to the bank of the recipient the next working day. For all other days the normal processing timelines are applicable.

The beneficiary's bank determines when the money is credited to the beneficiary account. Rabobank has no influence on this. Please be aware that for payments from and to a Rabo Network Banking accounts other processing times can be applicable. Please refer to ‘Rabo Network Banking (RNB)’ on this page for more information.

View the cut-off times for the different currencies (in Dutch)

Paper-based payments and PIN receipts

Is your payment a paper-based payment? These payment orders are only processed on working days and not during the holidays. PostNL delivers the paper-based payments to us from Tuesday until Saturday. PIN receipts will be credited directly on your bank account, also during the weekends and holidays.

Opening hours of your Rabobank

At weekends and on most holidays, the bank branches and help desks are closed.  Do you want to know the exact opening hours of your Rabobank?

Find out the opening hours of your Rabobank (in Dutch)