The time it takes to receive a transfer depends on the type of payment rail that was used to complete the transfer.
If a transfers hasn't been received the issue might be with the receiving institution.
As a reference, we’ve included a general guide for each type of transfer:
ACH - USD Transfers
rely on routing numbers and account numbers (not SWIFT codes or IBANs)
usually takes 1-2 business days
SWIFT - International Wire Transfers
International payment system that uses SWIFT/BIC code
Usually takes between 2-5 business days, but can sometimes take longer.
SEPA (Single Euro Payments Area) - EUR transfers
cross-border payments within Europe, but only for transactions in euros and uses IBAN/BIC code
usually takes 1-2 business days
Faster Payment System (FPS) - GBP transfers
UK-based system that allows for instant domestic payments in GBP, uses sort codes and account numbers
Usually takes a few minutes, but can take up to a few hours.