Why Hasn't My Transfer Arrived?
Let us narrow down the situation with a few questions and list the possible causes and the steps you can take. This tool does not diagnose; it ranks the possibilities.
Updated:
How does this tool calculate?
Heuristic — rule-based estimate- Method/formula used
- A ranking of possible delay causes based on the indicators you enter (submission time, weekend/holiday, amount, name–IBAN, SWIFT likelihood).
- Data used
- SEPA SCT / SCT Instant rules + user indicators
- Unsupported cases
- A definite status requires confirmation with the sending/recipient bank
- Compliance/AML-related holds cannot be known in advance
How long is it normal to wait?
Standard SEPA (SCT) is processed on business days and the amount arrives by the next banking day at the latest. A weekend, public holiday or submission after the cut-off time extends the time. SEPA Instant works 24/7 and is expected to arrive within seconds; however, if one of the parties does not support it, the transaction may fall back to standard SCT. For detail, see how many days a SEPA transfer takes and payee name–IBAN mismatch.
Sources
SEPA scheme rulebooks & geographical scope
European Payments Council (EPC)
- Document date:
- 2025
- Last checked:
- 2026-07-16