Holiday Banking Schedules: How to Make Transfers Without Interruptions

PR Manager

Dec 25, 2023
5 min

Remember the times when visiting a traditional bank branch was necessary to make payments or transfers to a specific account? The frustration of having a pending utility bill and being unable to pay because all the offices were closed?

Fortunately, those situations are now history. Online banking has revolutionized the process, allowing uninterrupted transfers even during this festive season. Today, we will explain how to do it with Blackcatcard.

Understanding European Banks' Operations

As Christmas and New Year's Eve approach, many individuals and businesses are gearing up for celebrations while keeping an eye on their financial transactions. Understanding the importance of uninterrupted banking services during this festive period is crucial, especially when it comes to interbank transfers.

Referring to European countries such as France, Spain, Italy, and Germany, it's evident that holiday traditions are deeply cherished. However, the world does not stand still, reliable and fast banking solutions are paramount.

Traditional banks often operate on limited schedules during the holiday season, causing delays and inconveniences for those reliant on timely interbank transfers.

Germany, for instance, stands as a notable example. Residents are well aware that public holidays are highly respected, even by law. For example, all Sundays are recognized as days of rest, leading to the closure of all banks and almost all stores. Consequently, during holidays like the upcoming ones –Christmas Day on December 25th, the Second Day of Christmas on December 26th and January 1st– banks in Germany remain closed.

In France, Christmas Day and New Year's Day are widely celebrated public holidays, embraced with fervor nationwide. Moreover, in some locations within France, the Second Day of Christmas, also known as Boxing Day, is observed. During these holidays, banks are not open, so banking services may be limited.

Italy shares similarities with France, celebrating December 25th and January 1st as public holidays. Additionally, they observe the Second Day of Christmas, known there as St. Stephen's Day. Therefore, banks are also closed on these days.

Spain, like its neighboring countries, commemorates Christmas Day, due to its predominantly Catholic population, and New Year's Day as national holidays with fervor. In such regions as Catalonia, St. Stephen's Day is also observed as a public holiday. The banks do not work on these holidays either, limiting access to their services.

Many traditional banks have developed solutions allowing customers to use online banking services without the need to visit branches. However, since they do not specialize in this type of products, their online banking may not always work flawlessly or might be underdeveloped.

This is where one might find intrabank transfers quite useful. These are types of funds transfers that occur between clients of the same bank and therefore happen instantly, regardless of external factors such as date and time. And, of course, they cannot totally replace interbank, or external transfers, but are still a major relief in many financially urgent situations.

Making Intrabank Transfers Even on Holidays with Blackcatcard

At Blackcatcard, we stand apart as a modern online banking service designed to ensure that our clients, both individuals and businesses, experience seamless transactions regardless of external circumstances.Despite these cultural diversities and differing banking schedules on holidays, Blackcatcard offers a significant advantage – we operate totally online, not within bank branches.

Both individuals and businesses at Blackcatcard can send and receive intrabank transfers, be it in fiat or crypto, swiftly and at no charge, unaffected by the holiday schedules of traditional banks. Powered by modern technology and a robust online mobile app and website, our service operates 24/7, 365 days a year. This means that whether it's Christmas Eve in Paris, New Year's Day in Madrid, the festive season in Rome, or the holiday spirit in Berlin, Blackcatcard users can rely on our platform for uninterrupted financial transactions. It is also worth mentioning that this goes not only for fiat, but also crypto transfers using our partner crypto service*. This built-in and convenient feature enhances clients’ opportunities to freely operate their assets without constantly worrying whether their funds will be sent or received on time.

In order to complete an intrabank fiat transfer, our clients should first head over to “Money” section either through a mobile app or website. There they have several convenient ways of making an intrabank transfer. All of them provide costless and immediate money delivery. Firstly, they can simply choose a contact from their phone who already has a Blackcatcard account linked to this number. That’s it, the recipient will instantly see a top up on their balance. Secondly, clients can send funds using the receiver's Blackcatcard payment card number. Just like in the first case, no additional information would be required and the transfer would still occur within seconds. Finally users are welcome to send their money using IBAN numbers. It doesn’t matter which method you go with - the result will be pleasingly similar. All crypto transactions are also available 24/7 and can be accessed at “Money” → “Crypto Service”. These transfers are available to our customers 24/7 as well.

Through our innovative approach to online banking, we empower individuals and businesses alike to conduct their transactions efficiently and securely, even during peak holiday times. Of course, this will work only if both parties are clients of Blackcatcard and therefore can enjoy fiat and crypto transfers anytime. So if you want to spare yourself and your close ones from worrying when your funds will arrive at their destination - you know what to do!

*An integrated crypto exchange and custodial crypto wallets are provided by our partner Manerio UAB. You can find more information here.


Can I make interbank transfers during holidays using my Blackcatcard account?

Of course, all our services work without interruption and are available on our mobile app and website.

Is there a limit to the number of interbank transfers I can make from my account?

No, there is no limit. You can make 5 SEPA transfers per month for free. From the sixth transfer onwards you only have to pay a commission of 0.2 Euros for each outgoing transfer. Incoming transfers, both inter and intrabank, have no limits.

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