汇款凭证中的value date通常译为“起息日”“免息日”或直译为“价值日”，有时也译为“汇款日”“解款日”。外汇时，电汇当天和银行实际划汇的时间往往是不同的，中间可能要间隔几天，通常把客户委托银行电汇的日期称为委托日，而实际银行划汇的日期称为value date。

value date是金融领域常见术语，在投资百科Investopedia中，value date的释义如下：

A value date is a future date that is used for determining the present value of a product or security that fluctuates in price. It is the date at which funds, assets, or money's value becomes effective. Typically, value dates are used in determining the payment of financial products and accounts where there is a possibility for discrepancies due to differences in the timing of valuations. Such financial products can include forward currency contracts, option contracts, and the interest payable or receivable on personal accounts.

In forex markets, the value date may be referred to as the "valuta," where it may also be used to describe the value of one currency expressed in terms of its exchange rate with another.

大概意思是说，起息日是用于确定价格波动的产品或证券的现值的未来日期。 这是资金、资产或货币价值生效的日期。 通常，起息日用于确定金融产品和账户的付款，因为估值时间的差异可能导致出现差异。 此类金融产品可包括远期货币合约、期权合约以及个人账户应付或应收利息。

在外汇市场中，起息日可能被称为“valueta”，它也可以用来描述一种货币的价值，以与另一种货币的汇率表示。

关于value date一些具体的使用场景，可参考如下：

Settlement activities are conducted on a daily basis and include all post-trade operations such as trade settlements, rollovers, volume commissions and daily P&L conversions and other end-of-day amendments (please refer to Overnight policy for related information on value date and overnights).

每日结算包含所有交易后操作，如交易结算、隔夜利息、交易佣金和每日盈亏和其他日终的修正(请参阅隔夜利息政策获取计价日期和隔夜利息信息)。

Term deposit opening and Term deposit maintenance: The Internet banking system handles the requests automatically, but if the request is made on a non-working day, the value date of the term deposit will be on the next working day.

定期存款开立和续存：网上银行系统可以随时受理定期存款开立和续存的申请，但是如果您在非工作日提交定期存款开立申请，则该笔定期存款的起息日将为下一个工作日。