Timeframes for Payment Processing for local Rabobank business clients. Euro Payments, Euro Direct Debits and World Payments. Share in each other

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1 Timeframes for Payment Processing for local Rabobank business clients November 2015 Euro Payments, Euro Direct Debits and World Payments Share in each other

2 Contents 1 Introduction 3 2 Euro Payments Making payments Electronic Payments Batch payments delivered via Equens CPS Urgent Payments Receiving payments 5 3 Euro-incasso General Processing s Execution date Additional lines (Business) Euro Direct Debit 8 4 World Payment Making payments Debit value date From Rabobank to Rabobank From Rabobank to another bank Receiving funds 11 5 Balance Control 14 6 Glossary 15 2

3 1 Introduction This document provides an overview of the frames for electronic payments and -collections for business clients. The frames specified are general guidelines that apply under normal circumstances. This document describes the most common situations. For the particular lines valid on (international) public holidays please consult our website (in Dutch): https://www.rabobank.nl/bedrijven/service/betalen-en-ontvangen/betaalopdrachten-in-het-weekend-en-op-feestdagen/. Rabobank can only process orders within the below-mentioned lines when these are delivered electronically and are complete and correct. The moment upon which the beneficiary is ed is dependent upon the processing by the bank of the beneficiary. Rabobank is not able to influence value dates applied by other parties. In addition to tariffs, information costs and currency conversion, value-dating is a cost element of World Payments for which the Payment Service Directive is not applicable. With value-dating there is a difference between the date upon which a amount is ed/debited on/from an (the book date) and the date upon which this amount is included in the balance interest calculation (value date). The difference between the book date and the value date per currency is included in this document. The glossary contained in this document provides definitions of the terms used in the text. Information about the payment products mentioned in this document can be found on our website. No rights may be derived from the frames mentioned in this document. Rabobank reserves the right to make changes. This document is governed by the General Banking Terms and Conditions and the Rabobank General Terms and Conditions for Current Accounts. The current version of these Terms and Conditions documents are available on our website: https://www.rabobank.nl/bedrijven/producten/betalen_en_ontvangen/zakelijke_voorwaarden/. If you have any questions please contact your representative at Rabobank. Rabobank Nederland, 2015 No part of this publication may be reproduced and/or transmitted by means of print, photocopy or in any other form, including full or partial editing of the work, without the prior written permission of Rabobank Nederland. 3

4 2 Euro Payments 2.1 Making payments Electronic Payments You can deliver your Euro Payments to Rabobank in one of the following ways: as an individual payment - via the functionality in the internet banking application. - through the import and sending of a payment file that can be processed and reported (bulk) by Rabobank as individual payments. As a batch, through the import and sending of a payment file that can be processed and reported by Rabobank as one (consolidated) amount. Individual Euro Payments from a Rabobank in favour of a Rabobank are debited immediately and ed with the same value date on the same day regardless of whether the is performed during the weekend or on a bank holiday. The table below shows the debiting and ing of your payment order according to three steps: 1. What is the delivery moment? (day, ) 2. What type of is being sent? (individual or batch) 3. Does the beneficiary have an with Rabobank or with another bank? 2 3 Bank of Crediting (bank of the) Delivery from to 1 Sort Individual Batch beneficiary Rabobank Other bank Debiting of beneficiary b) Balance date Balance date Monday to Friday (incl.) Weekend Immediate Same day Immediate Same day 00:00 14:30 a) Immediate Same day Same day Same day Immediate Same day Same day Same day 14:30 15:00 15:00 24:00 00:00 24:00 Immediate Same day Immediate Same day Immediate Same day c) Same day c) Same day c) Immediate Best effort d) Best effort d) Best effort d) Immediate Same day Immediate Same day Immediate Following Following Following working day working day working day Immediate Following working day Following working day Following working day Immediate Same day Immediate Same day Immediate Following Following Following working day working day working day Immediate Following working day Following working day Following working day 4

5 a) Warehoused- and periodic payments are processed according to the same lines as payment orders that are delivered before 15:00 CET. b) For payments to other banks, this is the date upon which the other bank receives the payment. The moment upon which the payment is ed to the beneficiary is dependent upon the processing by the beneficiary bank. c) These lines concern individual payments only, initiated via Rabobank Internet Bankieren (RIB) and/or Rabobank Mobiel Bankieren (RMB). d) Best effort: Rabobank strives for same-day processing but payments can be debited or ed on the following business day Batch payments delivered via Equens CPS Your service bureau delivers payment files to Rabobank via Equens CPS. The lines below are conditional upon the payment files being sent to Rabobank before the desired execution date. If this is not the case, Rabobank cannot guarantee the ly authorisation of your payments. Delivery Instruction Letter ( opdrachtbrief ) From to Monday to Friday (incl) Processing of the debit balance date debit 0:00 13:00 Immediately after authorisation Same day Same day 13:00 15:00 Immediately after authorisation Best effort Best effort Crediting (bank of the) beneficiary 15:00 0:00 Immediately after authorisation Following working day* Following working day* * For both Rabobank payments and payments to other banks the value date is that of the next business day. This applies to both bulk and batch deliveries. Note: Please do not deliver batch orders through Equens CPS with an execution date on a (international) public holiday or in the weekend since Rabobank cannot guarantee that your payments will be authorised on. Payments that are not authorised by Rabobank within 24 hours of receipt are automatically rejected Urgent Payments Delivery Account (payer) debited date Bank Beneficiary receives payment Beneficiary receives payment Netherlands domestic (IBAN prefix is NL ) Within Europe Monday to Friday (incl.) before 16:30 CET Monday to Friday (incl.) before 16:30 CET Immediately Same day Same day Within 90 minutes Immediately Same day Same day Depends on the beneficiary s bank For payments transferred to and from Rabobank s, the urgent payment service is not necessary. These payments are always ed immediately to the of the beneficiary. Urgent payments are not processed during weekends or on (international) public holidays. 5

6 2.2 Receiving payments Euro payments received from another Rabobank Individual Euro Payments from a Rabobank are ed with the same value date and ed to your on the same day 24 hours per day, 7 days per week. Euro Payments received from another bank Incoming Euro Payments are always ed with the same value date as that received by Rabobank as receiving bank. A Euro Payment received from another bank (either in the Netherlands or other SEPA country) is ed to your at latest on the following business day. If the payment is being made from a Dutch bank then often you will receive the payment the same day. 6

7 3 Euro Direct Debit 3.1 General For detailed information on performing Euro Direct Debits via Rabobank please visit our website: Euro Direct Debit. 3.2 Processing s In the European countries supporting the (Business) Euro Direct Debit (SEPA countries) the banks are required to have sufficient to check the incoming direct debit requests. A First or Single direct debit request must be sent to the Rabobank by you at least six business days before the desired execution date. For Periodic direct debits this is three business days. A Business Euro Direct Debit can be sent in one business day prior to the desired execution date, if sent before 11 AM. This applies to First/Single and Periodic Business Euro Direct Debits. A First and a Periodic (Business) Euro Direct Debit cannot be processed simultaneously. The execution the Periodic direct debit must always be at least one business day later than the desired execution the First direct debit. It is possible to send (Business) Euro Direct Debit s to Rabobank upto a maximum of one year in advance of the desired execution date. At the end of 2016 there will be a change in the rules. From then on the use of first/recurrent direct debit will no longer be mandatory. Additionally it will also be possible to send in direct debit orders just two working days prior to the desired processing date. This means that if you were to send in your direct debit order before end of today (24:00) that it will be ed the day after tomorrow/after two working days. 3.3 Execution date (Business) Euro Direct Debit collections that are sent to Rabobank correctly, on and within the (Business) Euro Direct Debit contract limits will be processed on the requested execution date. If the desired execution date is not attainable (e.g. bank holiday or weekend), then Rabobank will adjust this date to the next attainable execution date. (Business) Euro Direct Debit orders that are sent to Rabobank at a later moment than indicated in the tables below will be processed on the next attainable execution date. Desired execution Mon Tue Wed Thu Fri Timelines First and One-Off Euro Direct Debit Mon Tue Wed Thu Fri Sat Sun Desired execution Mon Tue Wed Thu Fri = deliver in same week Timelines recurrent Euro Direct Debit Mon Tue Wed Thu Fri Sat Sun 7

8 Business Euro Direct Debit collections which are received on a working dag before 11 AM will be ed the next working day. Desired execution Mon Tue Wed Thu Fri Timelines Business Euro Direct Debit deliver before 11 AM on Mon Tue Wed Thu Fri Sat Sun = deliver in same week 3.4 Additional lines (Business) Euro Direct Debit Rejection in advance of a Euro Direct Debit by your client. Rejection in advance of a Business Euro Direct Debit by your client. Return of a Business Euro Direct Debit by the bank of your client (a.o. due to insufficient balance). Return of a Euro Direct Debit by the bank of your client (a.o. due to insufficient balance). Return of a Euro Direct Debit by the bank of your client. Request to return Euro Direct Debit via an MOI (Registration of Unauthorised Direct Debit) by your client. Period after which an unused direct debit mandate is deemed invalid. Upto and including the direct debit execution date (at Rabobank: until 11:00 CET; request to be given by the debtor). Upto and including the direct debit execution date (at Rabobank: until 16:00 CET; request to be given by the debtor). Upto and including 2 business days after the execution of the direct debit. Upto and including 5 business days after the execution of the direct debit. Upto and including 8 weeks after the execution of the direct debit. Upto and including 13 months after the execution of the direct debit. 36 months following the last executed direct debit. 8

9 4 World Payment 4.1 Making payments Debit value date Outgoing World Payments debited from your are processed until 17:30 CET on business days. With these s the book date and value date are identical. Outgoing World Payments to be debited from your that are received after 17:30 CET, or received on non-business days (e.g. weekends, national holidays) will be processed on the next available business day. Example: on a for a beneficiary in China is entered at 19:00 CET. Since the latest delivery has already passed, the will be processed on the next available business day. The will be debited with value date Time of delivery Execution date date debit Mon-Fri 06:00-17:30 CET Same day Same day Other s Next available business day Next available business day From Rabobank to Rabobank World Payments within Rabobank in favour of Rabobank s are processed in the following manner: Debit from a FC Debit from a EUR Currency date date All 17: :30 +1 Credits on the of the beneficiary are processed according to the lines indicated under 4.2. Receiving Funds below. Example: On at 12:00 CET a payment order in CAD (Canadian Dollars) is received for the debit of a EUR and ing another Rabobank holder. In the above table it is indicated that the value the will be +1. The EUR is debited with value date and the receives the value date From Rabobank to another bank The value the outgoing is the date with which the correspondent bank, the bank of the beneficiary or the clearing institution has the funds at their disposal. This date is dependent upon the currency of the payment and also whether a payment is normal or urgent (in which case it is also important from which type of (EUR or foreign currency) you make the payment. In the table below you can see per currency the latest delivery s and the value dates given for the outgoing payments with respect to the type of processing (normal or urgent). Normal Processing Currency date Debit from a EUR date Urgent Processing Debit from a FC AED 17: : :00 +1 ANG 17: : :00 +1 AUD 17: : :00 +1 BHD 17: : :00 +1 date 9

10 Normal Processing Urgent Processing Debit from a EUR Debit from a FC Currency date date date CAD 17: : :00 +0 CHF 17: : :00 +0 CNY 16: : :00 +1 CZK 17: : :00 +0 DKK 17: : :00 +0 ETB 17: : :00 +2 EUR 1 17: :30 +0 n/a n/a GBP 17: : :00 +1 HKD 17: : :00 +0 HUF 17: : :30 +2 IDR 17: : :00 +1 ILS 17: : :30 +2 INR 17: : :00 +1 JPY 17: : :00 +1 KES 17: : :00 +1 KWD 17: : :00 +1 MAD 17: : :00 +0 MN 17: : :00 +0 NOK 17: : :00 +1 NZD 17: : :00 +0 PLN 17: : :00 +1 RON 17: : :00 +1 RUB 17: : :00 +1 SAR 17: : :00 +0 SEK 17: : :00 +1 SGD 17: : :00 +1 THB 17: : :00 +1 TND 17: : :00 +1 TRY 17: : :30 +0 USD 17: : :00 +0 ZAR 17: : : This only applies to s in EUR that are executed as a World Payment. For Euro s within the SEPA area, the lines as mentioned under Euro Payments are applicable. Example: on at 12:00 CET an urgent payment order in JPY for debit of a EUR is made. In the above table is shown that the value the will be +2. The EUR is debited with and the will have a value Receiving funds The ing of a World Payment is dependent upon, amongst other things, the given value date, the currency, the indicated number and the moment upon which the is received by Rabobank. In addition, the form of processing, 10

11 Urgent Processing Urgent Processing Urgent Processing Normal processing Order received on or after the given value Order received 1 business day before the Order received >1 business day before the date given value date given value date In favour of EUR In favour of FC In favour of EUR In favour of FC In favour of EUR In favour of FC In favour of EUR In favour of FC Currency AED 16: : : : : : :00 +0 ANG 16: : : : : : :00 +0 AUD 16: : : : : : :00 +0 BHD 16: : : : : : :00 +0 CAD 16: : : : : : :00 +0 CHF 13: : : : : : :00 +0 CNY 16: : : : : : :00 +0 CZK 10: : : : : : :00 +0 DKK 12: : : : : : :00 +0 ETB 16: : : : : : :00 +0 EUR1 17: n/a n/a 17:00 +0 n/a n/a 17:00 +0 n/a n/a 17:00 +0 GBP 16: : : : : : :00 +0 HKD 11: : : : : : :00 +0 HUF 17: : : : : : :00 +0 IDR 16: : : : : : :00 +0 ILS 17: : : : : : :00 +0 INR 16: : : : : : :00 +0 JPY 16: : : : : : :00 +0 KES 11: : : : : : :00 +0 KWD 16: : : : : : :00 +0 MAD 16: : : : : : :00 +0 MN 12: : : : : : :00 +0 NOK 16: : : : : : : This applies only to Euros that are ed using a World payment. For Euros within Europe (SEPA) the lines for Euro Payments are applicable. 11

12 Urgent Processing Urgent Processing Urgent Processing Normal processing Order received on or after the given value Order received 1 business day before the Order received >1 business day before the date given value date given value date In favour of EUR In favour of FC In favour of EUR In favour of FC In favour of EUR In favour of FC In favour of EUR In favour of FC Currency NZD 11: : : : : : :00 +0 PLN 13: : : : : : :00 +0 RON 12: : : : : : :00 +0 RUB 14: : : : : : :00 +1 SAR 11: : : : : : :00 +0 SEK 14: : : : : : :30 +0 SGD 11: : : : : : :00 +0 THB 11: : : : : : :00 +0 TND 11: : : : : : :00 +0 TRY 11: : : : : : :00 +0 USD 18: : : : : : :00 +0 ZAR 10: : : : : : :00 +0 Example: on at 12:00 CET, Rabobank receives an order for a normal in USD with value date in favour of your USD. In the above table it is shown that the value date will be +1. On the will be ed to your USD 12

13 5 Balance Control If you have internet banking via Rabo Cash Management (RCM) and you perform a between two Rabobank s within your own agreement, then this is called balance control. This requires that you manually select the Balance Control option in the Method field. For this option the following lines apply: Currency Credit value date Foreign currencies 17:30 CET +0 13

14 6 Glossary Bank Identifier Code (BIC) Unique international code used to identify banks. Batch Collection of payments contained in a payment file which are processed and ed for by Rabobank as a single aggregate amount. For more information about payment files and the differences between batch and bulk orders, please consult the Manual for Euro Payments at https://www.rabobank.nl/ eurobetaling. Best Effort Delivery by which Rabobank attempts to process the submitted in accordance with the specifications provided, but which it cannot guarantee. If it is unable to make this, the is processed the next business day. Payment file Electronic file in PAIN001 format used to deliver multiple individual orders (i.e. bulk) or batches to the bank. Payment order Order received from a customer to transfer an amount from his/her (payer) to another (beneficiary). Book date Date upon which is debited from or ed to an. Account balance Transaction The actual balance of the. A debit or change in the balance of an. Gross ing The total batch amount is ed to the of the direct debit or on the execution date. Bulk Collection of payments contained in a payment file which is processed and ed for by Rabobank as individual payments. For more information on payment files and the differences between batch and bulk orders, please consult the Manual for Euro Payments at https://www.rabobank.nl/eurobetaling. Clearing The collection and organisation of payment orders so they can be settled and forwarded to the beneficiary bank. Clearing & Settlement Mechanism (CSM) Third-party provider responsible for final settlement of cash flows between banks. Euro Payments Payments in EUR completed within the SEPA area. IBAN (International Bank Account Number) Unique number allowing identification of the holder, the bank and the country of residence. 14

15 International Public Holidays International public holidays affect the execution of payments. If the value the currency and/or the country or beneficiary bank falls on a day that is an official public holiday/interbank holiday in that country, it is changed to the next business day. Bank Holidays On these days, Clearing & Settlement Mechanisms are closed if the day in question is a bank holiday/interbank holiday in that country, and no interbank payments are processed. Cut Off Time Latest moment before which a must be executed by Rabobank in order to guarantee the given value date. Execution date Date on which the order is executed. date Also known as the interest date, this is the date on which the interest is calculated for the value amount. Processing days On these days, Clearing & Settlement Mechanisms are open for business and interbank payments are processed. FC Foreign-currency. World payment Payment method used to make payments in foreign currencies throughout the world and in euros outside the SEPA area. Business day Any day with the exception of Saturdays, Sundays, Bank holidays and international public holidays. International Public Holidays International public holidays affect the execution of payments. If the value the currency and/or the country or beneficiary bank falls on a day that is an official public holiday/interbank holiday in that country, it is changed to the next business day. 15

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