Bank Transfers

Bank transfers are typically completed within 3-5 business days. Transfers are reviewed, which may result in delays or funds being frozen or removed from your Zirtue account.

This page is about standard bank transfers. At this time instant transfers are only active for corporate partners.

When will my bank transfer arrive?

Bank transfers typically arrive within 3-5 business days. Read on for a more detailed answer:

  • If you requested the bank transfer on a weekday (Mon-Fri) before 7pm ET, the bank transfer could reach your bank account as soon as the next business day. (It could take up to 3 business days to arrive)

    • For example: If you request it on Monday before 7pm ET, it could arrive in your bank account as soon as Tuesday. It shouldn’t arrive later than Thursday

  • If you requested the bank transfer on a weekday (Mon-Fri) after 7pm ET, the bank transfer will initiate on the next business day. It could then reach your bank account as soon as the business day after that. (It could take up to 3 business days to arrive)

    • For example: If you request it on Friday after 7pm ET, it will initiate on the next business day, Monday. Then it could arrive in your bank account as soon as Tuesday. It shouldn’t arrive later than Thursday

  • If you requested the bank transfer on a weekend (Saturday or Sunday), the bank transfer will initiate on the next business day (likely Monday). It could then reach your bank account as soon as the next business day after that (as early as Tuesday). (It could take up to 3-5 business days to arrive)

    • For example: If you request it on Saturday morning, it will initiate on the next business day, Monday. Then it could arrive in your bank account as soon as Tuesday. It shouldn’t arrive later than Thursday

  • For bank holidays, add one business day to the timeline.

    • For example: If you request it on Monday before 7pm ET, and Tuesday is a bank holiday, it could arrive in your bank account as soon as Wednesday. If you request it on Monday after 7pm ET, it could arrive as soon as Thursday

Why are the timelines dependent on business days?

Bank transfer timelines are dependent on the Automated Clearing House (ACH), Zirtue’s banking partner (Synapse), and your bank. If you’ve already initiated a standard bank transfer, there’s no way for us to expedite that process.

Based on the info above, I should have already received my bank transfer, but I don’t see it. Where is it?

Sometimes the transfer may post on your bank statement on a different date than the one estimated in the app, so be sure to check the surrounding dates as well.

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