Upcoming key dates for migration in Finland

Upcoming key dates

Handelsbanken is closing its operations in Finland. Account and payment traffic services will end during 2025. Here are the upcoming key dates for private and corporate customers:
• Credit Cards will be terminated on November 30, 2024.
• Mobile banking will close in alignment with the S-Bank migration, scheduled for November 29, 2024.
• Private customer accounts and internet bank agreements will be terminated on March 31, 2025.
• Debit cards will be terminated on march 17, 2025.
• Corporate accounts and payment services will be terminated on June 30, 2025.

 

 

Country specific Payment rules
The Netherlands

Country specific information about our Payment Initiation API and its implementation rules.

 

General Information

Here you'll find useful information regarding our Payment Initiation API for The Netherlands, such as country specific rules, the Implementation Guidelines for all the payment types and general rules for our payment products.

As we operate worldwide, the services we offer are tailored for each market, so it's important to bear in mind that there can be differences between all of the countries and their payment products.

SCA Methods

The strong customer authentication (SCA) methods and security solutions applicable for Dutch customers are:

- Redirect: Card reader and log-on card, with / without cable

Payment products

For Individual and Corporate banking customers, we provide SEPA Credit Transfers and Cross-Border Payments.

Corporate mandate

If a countersignature for a payment is necessary as per the Mandate between the Corporate customer and Handelsbanken, please advise the customer to action this within their Online Banking.

PSU-Corporate-ID

For Corporate customers, when sending in a request using our POST endpoint, you need to add a "PSU-Corporate-ID" into the header. For Dutch Corporates, this is a 6 digit Handelsbanken customer number. If the customer does not know their customer number, they can contact their local branch.

 

Implementation Guidelines

Within the link below, you’ll find all the payment types that you can offer to our Individual and Corporate customers. We also detail what fields, formats and values are required for each payment type.

It's really important that you follow these guidelines to ensure that payments do not get rejected due to incorrect information.

Dutch Implementation Guidelines

 

General payment rules

The table below contains general rules, cut-off times and processing rules, applicable to the payments that you can offer to our mutual customers. 

Payment

Type

General rules

Cut-off time

Processing rules

SEPA

Normal

Payment in EUR within the SEPA area.

The beneficiary bank must be a SEPA bank.

15:00 CET on working days.

Same day delivery, providing it’s received before the cut-off time.

SEPA

Structured

Payment in EUR within the SEPA area with an RF reference or Acceptgiro 17 reference.

The beneficiary bank must be a SEPA bank.

15:00 CET on working days.

Same day delivery, providing it’s received before the cut-off time.

SEPA

Salary

Salary Payment in EUR within the SEPA area.

The beneficiary bank must be a SEPA bank.

Only for Corporate customers.

15:00 CET on working days.

Same day delivery, providing it’s received before the cut-off time.

Local

Euro express payment

Urgent Payment in EUR within the SEPA area.

Only for Corporate customers.

16:00 CET on working days.

If the Euro express payment is authorised before 16:00 CET on the payment date, the beneficiary receives funds the same day. Within the Netherlands the payment will be credited to the beneficiary within 1.5 hours, providing it's received before the cut-off time.

Cross-border

Normal

Any payment outside the SEPA area or a payment in a currency other than EUR within the SEPA area. 

 

Depends on the currency. Please see Payment information for Private customers (in Dutch only) or Payment information for Corporate customers(in Dutch only).

For processing rules and expected value dates, please see Payment information for Private customers (in Dutch only) or Payment information for Corporate customers(in Dutch only).

 Cross-border Express

Urgent payment outside the SEPA area or a payment in a currency other than EUR within the SEPA area.

Depends on the currency. Please see Payment information for Private customers (in Dutch only) or Payment information for Corporate customers(in Dutch only).

For processing rules and expected value dates, please see Payment information for Private customers (in Dutch only) or Payment information for Corporate customers(in Dutch only).