Christmas transfers 2022: deadlines to remember

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Two holiday weekends. This year, Christmas and New Year’s Day fall on a Sunday, which is not really good news for workers, who will not have an extra day to recover from the marathon that is the holiday season. year. Between last-minute gifts, meal preparation and family moments, you may have your head in the air, to the point of forgetting important transfers… Be careful not to miss the deadlines!

To avoid unpleasant surprises, remember to anticipate your money transfers for the next few days. It normally takes 24 to 48 hours when you make a SEPA transfer, a free transaction, to an account domiciled in a bank other than ours. Please note that these deadlines are for working days, excluding weekends and public holidays and are therefore longer on Saturdays and Sundays. If you make a transfer on December 24 in the evening or on December 25 during the day, the latter will not be taken into account before Monday December 26, or even Tuesday December 27.

To take no risk, if your transfer is urgent, it is better to make the request in the next few days, i.e. Friday, December 23, or even Thursday, December 22 to be sure that it arrives on time. . Regarding the New Year, the same rule applies, since January 1 is also a Sunday. Make your transfer on Saturday December 31 in the evening so that it will not be taken into account until Monday January 2, at the earliest.

The deadlines mentioned above can be shortened if you make a transfer to the same bank as yours, because the account is credited in real time. If you choose to make an instant transfer, then you won’t have a problem with delays, since the system works 24 hours a day, 7 days a week. A time saver, sure, but it will cost you money , between 50 cents and one euro per transfer.