Holidays and Weekends: Transfers typically aren't processed during weekends or bank holidays. If a transfer is initiated at these times, it will be processed on the next business day.

Bank Processing Times: Different banks have their own specific timelines for handling transactions, and some might take longer to process a transfer.

Anti-Money Laundering (AML) and Know Your Customer (KYC) Regulations: Banks are obligated to conduct AML and KYC checks as part of their efforts to prevent fraud and money laundering activities.

Technical Issues: Sometimes, technical difficulties may arise, causing delays in the transfer process.