Outgoing international payments via SEPA and SWIFT are typically delivered within 1–2 business days if the payment is created before 1:00 PM. Payments created after 1:00 PM are processed the next business day and may therefore take correspondingly longer.
For payments via local bank transfers, the money may often arrive within seconds, minutes, or hours – but in some cases, it can take up to a few days, depending on the destination and recipient bank.
There may be situations where a payment requires manual processing by Lunar, correspondent banks, or the recipient bank, which can extend the processing time.
Created Day 1 before 1:00 PM | Created Day 1 after 1:00 PM |
Day 1: the payment is sent to our correspondent bank. | Day 2: the payment is sent to our correspondent bank. |
Day 2-3: the payment is available in the recipient's account. | Day 3-4: the payment is available in the recipient's account. |