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File transfer is a data transmission channel

Payments are transmitted most efficiently as files through file transfer. Your company can automate the timing of the uploads and downloads directly from your financial administration system. This will enable routine tasks to be managed non-manually.

You contact the file transfer service in Corporate Netbank or with bank connection software, which can be acquired from a software supplier. Nordea’s file transfer services cover all payment services for domestic and cross-border payments and transmission of card payments and electronic invoices as well as a number of other services.

Corporate customers must always conclude an agreement with the bank on the transmission of payment files. 

Service descriptions
Deadlines for files sent to file transfer
Deadlines for files downloaded from file transfer

Deadlines

Nordea processes files sent to file transfer according to the below service-specific deadlines. The times are Finnish time (EET, East European Time zone).

Service-specific processing deadlines on banking days
File typeTime***The earliest delivery time of the files
Corporate Payments Service*

Files received by 18.30 EET on the payment date are paid on the same banking day. Corporate Netbank files must be confirmed by 18.00 EET at the latest.

Credit transfers are transmitted to the payee’s bank during the same day if the credit transfers have been received before 13.00 EET. Credit transfers received after this will be transmitted to the payee’s bank the next banking day.

SEPA salaries (SALA) on the debit date by 18.30 EET. In Corporate Netbank files must be confirmed by 18.00 EET at the latest.

Urgent payments to Nordea accounts between 7.00 and 18.00 on the payment date, to other banks between 8.00 and 15.30. Exceptional delivery times on New Year's Eve and on Maundy Thursday. Urgent payments to other banks between 8.00 and 12.30.

Foreign currency payments at 16.00 on the payment date. Payments intended for the following banking day: after 19.00.

90 days before the payment date
Request for Transfer, payment orders to foreign banks**20.00 (the service is available between 1.00 and 20.00)-
Payment terminal service12.00 on banking days-
Factoring14.00 on banking days-
Personal customers' payments16.005 years before the payment date

E-invoice through file transfer

  • Invoices

Invoices arrived by 1.00 downloadable by receivers after 3.00.

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E-invoice through file transfer

  • Invoicer notification
  • Receiver Proposal
  • Forwarding for further processing immediately after the files have arrived in file transfer.
  • Forwarding for further processing immediately after the files have arrived in file transfer.
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*Exceptional delivery times on New Year's Eve and on Maundy Thursday

**RfT orders are forwarded to the SWIFT network.

***The last sending time for orders to be recorded on the payment date given in the files or to be forwarded to the receiving system for processing.

Deadlines

The times are Finnish time (EET, East European Time zone).

Service-specific completion times and storage periods
ServiceCompletion timeStorage period
Electronic daily account statement03.0018 months
Electronic periodical account statement12.00 on the day following the last day of the per18 months
Incoming reference payments03.0018 months
Transaction statementReal-time-
Balance queryReal-time-
Balance Reporting, account statement from a foreign bank Depends on the transfers of foreign banks and the agreement between the customer and the account bank.2 months

Corporate Payments Service, transmission feedback

14 days
  • feedback on the reception
Right after the transmission is over
  • feedback formed of further processing 
About 10 min after the transmission
  • feedback on payment
After the payment
  • feedback on file cancellation
When the payment has been cancelled
Request for Transfer, transmission feedbackRight after the transmission is over14 days
Request for Transfer, SWIFT feedbackOne hour after the transmission14 days
Payment terminal feedbackOne day after the transmission45days
Card alerts21.001 days
Payment terminal file to card company15.007 days
EUR rates8.00, 12.15, 18.001 days
E-invoice through file transfer
  • Invoices to the recipient
03.002 months
  • Rejected invoices to the sender
03.00
  • Reception notifications
03.00
Production status reportReal-time-
File status queryReal-time-

Security statement
Liability statement

Information on the previous month on the 5th banking day of the month4 months

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