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Rolling Reserve

A rolling reserve is used to mitigate the risk only in case of Insufficient funds. It is defined with all transaction amounts credited (booked) to a Swan account using a funding source over a pre-defined number of interbank business days. A rolling reserve is applied at account holder level per funding source payment method/scheme.
When a funding source transaction is moved to the Booked status of the concerned Swan account, the reserved amount is added to the account reserved balance and is deducted from the account available balance, i.e. that it cannot be used until the rolling reserve duration is over. When the rolling reserve duration is over, the reserved amount is released and the available balance credited of the same amount, so that funds can be used.
At the moment, the booking of SDD happens every day around 20:00 CET, therefore the reserved transactions are also released around 20:00 CET.

SEPA Direct Debit B2B scheme

The account funding rolling reserve is set to 3 interbank business days after transaction is moved to the Booked status of the concerned Swan account.
Rolling reserve for SDD B2B