{"id":58847,"date":"2025-01-05T11:45:00","date_gmt":"2025-01-05T10:45:00","guid":{"rendered":"https:\/\/www.centralpay.com\/?p=58847"},"modified":"2026-02-26T16:05:16","modified_gmt":"2026-02-26T15:05:16","slug":"banking-holidays-in-2025-how-to-anticipate-them","status":"publish","type":"post","link":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/blog\/banking-holidays-in-2025-how-to-anticipate-them\/","title":{"rendered":"Banking holidays in 2025: how to anticipate them?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Banking holidays: what is it?<\/strong><\/h2>\n\n\n\n<p>A banking holiday corresponds to a closure of the T2 system (formerly Target 2), used to execute European interbank payments.<\/p>\n\n\n\n<p>In practice: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SEPA transfers and direct debits between two banks are recorded but credited the following business day.<\/li>\n\n\n\n<li>Cards, internal transfers, and instant transfers remain available.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>2025 calendar<\/strong><\/h2>\n\n\n\n<p>The closing days vary from year to year.<br>The schedule is set by the <a href=\"https:\/\/www.ecb.europa.eu\/ecb\/contacts\/working-hours\/html\/index.fr.html\" target=\"_blank\" rel=\"noopener\">European Central Bank<\/a> and applies to the entire Eurozone.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Banking holidays in 2025:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wednesday, January 1 (New Year&#8217;s Day)<\/li>\n\n\n\n<li>Friday, April 18, 2025 (Good Friday)<\/li>\n\n\n\n<li>Lundi 21 avril 2025 (Lundi de P\u00e2ques)<\/li>\n\n\n\n<li>Thursday, May 1, 2025 (Labour Day)<\/li>\n\n\n\n<li>Thursday, December 25 (Christmas Day)<\/li>\n\n\n\n<li>Friday, December 26 (Boxing Day)<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Public holidays not applicable:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jeudi 8 mai (Victoire 1945)<\/li>\n\n\n\n<li>Thursday, May 29 (Ascension Day)<\/li>\n\n\n\n<li>Monday, June 9 (Pentecost)<\/li>\n\n\n\n<li>Monday, July 14 (National Day)<\/li>\n\n\n\n<li>Friday, August 15 (Assumption)<\/li>\n\n\n\n<li>Tuesday, November 11 (Armistice Day)<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>What are the impacts for businesses?<\/strong><\/h2>\n\n\n\n<p>Bank holidays delay the processing of SEPA payments.<br><a href=\"https:\/\/centralpay.dev.innovest.fr\/en\/blog\/payment-by-bank-transfer-glossary-of-key-concepts\/\">Bank transfers<\/a> and direct debits initiated the evening before, on the same day, or scheduled for that date will be credited on the next business day. <\/p>\n\n\n\n<p>Possible consequences: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Delayed customer payments<\/li>\n\n\n\n<li>Delayed supplier payments, salaries, or rent<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>This delay can cause cash flow problems if these days are not anticipated.<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to anticipate these exceptional closures?<\/strong><\/h2>\n\n\n\n<p>For outgoing payments:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Issue transfers <strong>at least 48 business hours<\/strong> before a bank holiday<\/li>\n\n\n\n<li>Verify the value date to ensure proper credit<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>For customer receipts: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Adjust billing and due dates when possible.<\/li>\n\n\n\n<li>Inform customers and encourage them to anticipate their payments<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\ud83d\udca1 Bank holidays do not block <a href=\"https:\/\/centralpay.dev.innovest.fr\/en\/blog\/instant-transfer-free-secure-and-adopted-by-all\/\" data-type=\"post\" data-id=\"57281\">instant transfers<\/a>. They remain available 24\/7, with processing in less than 10 seconds. A reliable alternative for securing urgent payments, even in the event of a bank closure.  <\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"NewsArticle\",\n  \"name\": \"Bank holidays : 2025 calendar\",\n  \"headline\": \"Jours f\u00e9ri\u00e9s bancaires\u00a02025 : comment les anticiper\u00a0?\",\n  \"datePublished\": \"January 05, 2025\",\n  \"dateModified\": \"January 05, 2025\",\n  \"description\": \"Bank holidays : explanations, calendar, and tips for anticipating these periods and securing your cash flow\",\n  \"image\": {\n  \"@type\": \"ImageObject\",\n  \"height\": \"600\",\n  \"width\": \"1000\",\n  \"url\": \"https:\/\/centralpay.dev.innovest.fr\/wp-content\/uploads\/2025\/01\/jours-feries-bancaires.jpg\"\n  },\n  \"author\": {\n  \"@type\": \"Person\",\n  \"name\": \"CentralPay\"\n  },\n  \"publisher\": {\n  \"@type\": \"Organization\",\n  \"name\": \"CentralPay\",\n  \"logo\": {\n  \"@type\": \"imageObject\",\n  \"url\": \"https:\/\/centralpay.dev.innovest.fr\/assets\/images\/logo.png\"\n  }\n  },\n  \"mainEntityOfPage\": true,\n  \"url\": \"https:\/\/centralpay.dev.innovest.fr\/en\/blog\/banking-holidays-in-2025-how-to-anticipate-them\/\"\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>European interbank networks are closed every weekend and on certain specific days: banking holidays. During these closures, SEPA payments between banks are postponed to the next working day. <\/p>\n<p>Explanations, schedule, and practical advice: here&#8217;s what you need to know to prepare.<\/p>\n","protected":false},"author":4,"featured_media":58836,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[200],"tags":[],"class_list":["post-58847","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"_links":{"self":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts\/58847","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/comments?post=58847"}],"version-history":[{"count":2,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts\/58847\/revisions"}],"predecessor-version":[{"id":61912,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts\/58847\/revisions\/61912"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/media\/58836"}],"wp:attachment":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/media?parent=58847"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/categories?post=58847"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/tags?post=58847"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}