About
SIC instant payments are the real-time Swiss franc transfer service of the Swiss Interbank Clearing system, which SIX Interbank Clearing operates on behalf of the Swiss National Bank; the service went live on 20 August 2024 on the SIC5 platform. Debit and credit happen simultaneously and are final, in under ten seconds, 24/7/365, so neither side carries credit risk. Consumers use it through their bank in Switzerland and Liechtenstein. Larger banks had to receive instant payments from launch and all other banks by the end of 2026. As of 2026, SIX said over 100 institutions covering more than 95% of Swiss customer payments could receive them.
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