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TARGET / SEPA business day calculator
Add or subtract TARGET business days, check whether a date is a SEPA settlement day, and list the T2 closing days for any year — with the D+1 and D-1 dates for SEPA credit transfers and direct debits.
Preparing a pain.001 or pain.008 file? SafeCAMT checks execution and collection dates, counts, sums and SEPA rules — locally.
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1. Add or subtract TARGET business days
2. Is this date a TARGET business day?
3. TARGET closing days of a year
Calculated in this page — nothing is uploaded.
TARGET closing days 2026–2030
T2, the Eurosystem's settlement system, is open Monday to Friday except on 1 January, Good Friday, Easter Monday, 1 May, 25 December and 26 December. These are the inter-bank business days for SEPA credit transfers and direct debits; national bank holidays do not stop the SEPA schemes. Source: ECB — T2.
| Closing day | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| New Year’s Day | Thu 1 Jan | Fri 1 Jan | Sat 1 Jan (weekend) | Mon 1 Jan | Tue 1 Jan |
| Good Friday | Fri 3 Apr | Fri 26 Mar | Fri 14 Apr | Fri 30 Mar | Fri 19 Apr |
| Easter Monday | Mon 6 Apr | Mon 29 Mar | Mon 17 Apr | Mon 2 Apr | Mon 22 Apr |
| Labour Day | Fri 1 May | Sat 1 May (weekend) | Mon 1 May | Tue 1 May | Wed 1 May |
| Christmas Day | Fri 25 Dec | Sat 25 Dec (weekend) | Mon 25 Dec | Tue 25 Dec | Wed 25 Dec |
| 26 December | Sat 26 Dec (weekend) | Sun 26 Dec (weekend) | Tue 26 Dec | Wed 26 Dec | Thu 26 Dec |
What the business days mean for SEPA
- SEPA credit transfer (SCT): the payer's bank must make sure the amount reaches the payee's bank by the end of the next business day (D+1).
- SEPA direct debit (SDD Core and B2B): the creditor's bank must present the collection at least one inter-bank business day before the due date (D-1). If the due date is a closing day, the collection settles on the next business day.
- SEPA Instant (SCT Inst) runs 24/7/365 — closing days do not apply.
- Your bank's own cut-off times come first: a file sent after the cut-off counts as received on the next business day.
Check the dates and amounts in a pain.001 or pain.008 file with SafeCAMT before you send it.
FAQ
What are the TARGET2 holidays?
T2 (the successor of TARGET2) is closed on Saturdays, Sundays, 1 January, Good Friday, Easter Monday, 1 May, 25 December and 26 December.
Are SEPA payments processed on public holidays?
SEPA credit transfers and direct debits follow the TARGET calendar, so they settle on national holidays that are not TARGET closing days. SEPA Instant runs every day.
How long does a SEPA credit transfer take?
At most one business day: the payer’s bank must credit the payee’s bank by the end of the next business day (D+1).
When must a SEPA direct debit be submitted?
The creditor’s bank must submit it at least one TARGET business day before the due date (D-1); the creditor’s own deadline with its bank is usually earlier.
Last updated 2026-11-14. Something wrong or missing? Email support@biteapps.cc.