Funds will be received by the recipient's bank either the next business day or within 3 business days. 5:00 p.m. ET for same-business-day (wire) transfer. Funds will be received by the recipient's bank on the same business day. 5:00 p.m. ET for international wire transfer.
The money leaves your account immediately. It's usually available within 2 hours. For some banks, it can take up to close of business the next working day.
The receiving bank is still processing the money
But some banks are slower than others — they might take up to 1 working day for them to release the money. So your money's safely on its way, but the recipient bank is still processing it. Your recipient can ask their bank to speed this up.
The duration of a bank transfer to be successfully made often depends on a number of factors, due to which your transaction can be delayed. This includes the timing of the transfer, where the transfer is being made, the currencies involved, security checks, bank holidays, and the reasons for the transaction.
Your specific bank transfer time will vary depending on a range of factors, including fraud prevention, different currencies, different time zones, and bank holidays/weekends. In general, the bank transfer time will be around one to five working days.
If money is transferred but not received, the sender should contact the bank or service used to initiate the transfer to track the transaction. They can also contact the recipient's bank to inquire if the funds have been received.
Domestic wire transfers are usually processed on the day they're sent and sometimes even go through in minutes. International wires usually take one to five business days to go through, with varying timelines depending on the receiving country and other details like currency exchanges.
Bank Mix-Ups
Occasionally, your deposit may not show up as planned because of a mix-up with the bank. You can look out for this by monitoring your account daily. When you deposit into your account, it should show up in your account history, even if the funds are not immediately available to you.
Most "lost" transfers are eventually found and completed, but it's important to get in touch with your bank right away if you suspect there's an issue. For a fast and reliable service when sending money abroad, use Wise.
If you're making a traditional inter-bank transfer it will take 1-3 business days.
Most transactions post at the end of each business day but posting order and times can vary. Business days for banks are generally Monday - Friday from 9am to 5pm, excluding federal holidays. Transactions received outside of these hours, including on weekends, are usually posted on the next business day.
If the payment or transfer you have made left your account immediately you will see the transaction in your list of most recent transactions. If you have scheduled a payment or transfer for a date in the future you will be able to check online that it has been created successfully.
Banks typically make most checks available within a couple days. Larger deposits over $5,000 usually take more time to clear. Your bank might also make a portion of it available sooner. If you're a new customer, a bank might hold onto your deposit longer than if you were an existing customer (at least at first).
From the moment you pay in, we will deliver your money to your receiver in: 1 working day. End of the same day from when you created the transfer.
Funds transferred between participating banks using Fast Payments are processed in less than 60 seconds, 24 hours, seven days a week in most instances.
A depositary bank may delay making the funds from a check available if the check had previously been deposited and returned unpaid. The exception does not apply to checks that were previously returned unpaid because of a missing indorsement or because the check was postdated when presented.
It is because of a hold period while the bank confirms the transaction, a deposit may appear in your bank account but not be accessible.
If both the sending and the receiving accounts belong to the same bank, the transfer will be made within the same day. Normally, when it comes to internal transfers, the amount will be available in the recipient's account instantly.
Standard bank transfers typically take 1 to 3 business days to complete. Some factors can cause delays in when your transfer reaches your bank, due to how the ACH processes transfers.
Why is my bank transfer taking so long? Delays in bank transfers can be caused by factors such as the amount being transferred, bank security checks, or the bank's operational hours when transferring money internationally or during weekends and public holidays.
Most domestic transfers are processed on the same day, and international transfers are typically completed within a few days (depends on country). You need to move large amounts of money. Though limits vary based on the money transfer provider, they tend to be high.
If transfers occur between accounts at the same financial institution, they can take less than 24 hours. Wire transfers via a non-bank money transfer service may happen within minutes. If you're sending money to another country, however, it may take as many as five days for the recipient to receive their funds.