Millennium bcp ensures same-day delivery of funds to the beneficiary's Bank for transfers until 3 p.m.

On the Corporate homebanking, there are two transfer options depending on the destination:

These are same-day transfers in euros, US dollars, and pounds, where the value date of the credit at the beneficiary’s bank is also the same day. For other currencies, funds are guaranteed to arrive at the beneficiary’s bank with a value date on the next business day, according to the defined schedule and service levels.

Allows registration of transfers to any country, in euros or other currencies, with same-day processing or scheduled execution, including currency exchange if needed, in accordance with established service levels.

• SEPA countries:
  SEPA – Single Euro Payments Area – which includes the 27 European Union countries, overseas territories (French Guiana, Gibraltar, Guadeloupe, Martinique, Mayotte, Réunion, Saint Barthélemy, Saint Martin, and Saint Pierre and Miquelon), as well as Iceland, Liechtenstein, Norway, Switzerland, and Monaco
  EU Countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.
• Other countries

Processing – STP (Straight Through Processing)

The transfer details contain all the necessary information for automatic processing, i.e., it includes the correct IBAN of the beneficiary and the SWIFT BIC of the beneficiary’s bank (and, when applicable, the corresponding Clearing Codes).

Processing – REP (Repaired)

The transfer details are incomplete or incorrect, requiring manual intervention, which may lead to increased fees, delays in the crediting of funds, and even the return of the transaction.

Same-day processing transfers

• With foreign exchange at fixing rate:
  This service is available on business days from 9:00 a.m. to 12:00 p.m. Transfers must be submitted and authorized on the same day they are to be executed. Transfers not authorized by 12:00 p.m. on the day they are submitted will be automatically cancelled.
• With foreign exchange at BCP rate:
   This service is available on business days from 9:00 a.m. to 5:00 p.m. Transfers must be submitted and authorized on the same day they are to be executed. Transfers not authorized by 5:00 p.m. on the day they are submitted will be automatically cancelled.
• Without foreign exchange:
   This service is available on business days from 9:00 a.m. to 8:00 p.m. Transfers can be submitted on the day of execution or the previous day. They must be authorized by 8:00 p.m. on the date of execution. Transfers not authorized by 8:00 p.m. on the calendar day following the submission date will be automatically cancelled.

Future-dated transfers

These transfers must be authorized at least one business day before the indicated transfer date and no more than 30 calendar days in advance.
Transfers not authorized by 11:59 p.m. on the third calendar day after entry will be automatically cancelled.

Urgent transfers (euros only)

This service is only available on business days between 09 am and 1 pm (Portugal mainland time). All transfers must be entered and authorized within this timeframe. Any transfers still pending authorization after 1 pm will be automatically cancelled.
The beneficiary’s account will be credited with same-day value date.

Batch operations

International Payment Files must be authorized by 11 am on the earliest indicated transfer date.