Transfers between our customers are processed instantly.

For transfers to other banks via SEPA, the transfer time depends on the recipient’s bank. Since we are part of the SEPA Instant network, we aim to send money instantly. However, if the recipient’s bank does not support SEPA Instant, the transfer may take 1-2 business days to complete.

If the recipient hasn’t received the money yet, it could be because their bank isn't part of the SEPA Instant network, and the transfer is still processing.