1. About the Group
  2. /
  3. Locations
  4. /
  5. Estonia
  6. /
  7. SEPA payment settlement times

SEPA payment settlement times

SEPA payments are settled between banks five times a day.

Outgoing SEPA payment orders must be sent to the Bank at least one hour before the settlement clearing cycle in the European Banking Association (EBA).

Exact times for the final authorisation in Handelsbanken Estonia's remote channels for each clearing cycle can be found in the table below (local time).

The approximate time when Handelsbanken Estonia receives incoming SEPA payments is also shown here.

Cycle in EBA Outgoing payments Settlement in EBA Incoming payments
10 5:00* 8:00 9:00
11 9:00 10:00 11:00
12 11:00 12:30 13:45
20 14:00 15:00 16:15
21 16:00 17:00 17:45
* only in local online banking submitted payments