{"id":37916,"date":"2026-10-31T02:34:57","date_gmt":"2026-10-31T01:34:57","guid":{"rendered":"https:\/\/www.accountable.eu\/help-center\/why-is-my-incoming-transfer-delayed-3\/"},"modified":"2026-10-31T02:34:57","modified_gmt":"2026-10-31T01:34:57","slug":"why-is-my-incoming-transfer-delayed-3","status":"publish","type":"help_center","link":"https:\/\/www.accountable.eu\/en-be\/help-center\/why-is-my-incoming-transfer-delayed-3\/","title":{"rendered":"Why is my incoming transfer delayed?"},"content":{"rendered":"

\ud83d\udca1 Why hasn’t my transfer arrived yet?<\/h1>\n

Incoming transfers within the Single Euro Payments Area (SEPA) can take more or less time depending on the transfer type and its country of origin. If your transfer shows the status Pending<\/b>, it is either still being processed or under review before being credited to your account.<\/p>\n

\u200b<\/p>\n

This article covers the typical processing times by transfer type, the most common causes of delays, and the steps to take if your transfer is late.<\/p>\n

\u200b<\/p>\n

\ud83d\udcb3 Typical processing times<\/h1>\n

Regular SEPA Credit Transfer (SCT)<\/b>
1 to 5 business days
(includes processing at the sending bank, transit through the SEPA network, and any compliance review)<\/p>\n

\u200b<\/p>\n

Instant SEPA Credit Transfer (SCT Inst)<\/b>
A few seconds (available 24\/7)<\/p>\n

\u200b<\/p>\n

International Credit Transfer<\/b>
Variable, depending on currency conversion and local regulations<\/p>\n

\u200b<\/p>\n

\u26a0\ufe0f What can cause a delay?<\/h1>\n

Several factors can extend how long a transfer takes:<\/p>\n

    \n
  • \n

    Transfer under review:<\/b> The transfer may be going through a compliance check before it is credited to your account.<\/p>\n<\/li>\n

  • \n

    Incorrect details:<\/b> An error in the IBAN, name, or amount can block processing.<\/p>\n<\/li>\n

  • \n

    Closing days:<\/b> The SEPA network is unavailable on certain bank holidays (TARGET closing days). Transfers sent on those days are processed on the next business day.<\/p>\n<\/li>\n

  • \n

    International transfers:<\/b> Currency conversion and regulatory requirements may add extra time.<\/p>\n<\/li>\n<\/ul>\n

    \u200b<\/p>\n

    \ud83d\udc49 What should you do if your transfer is late?<\/h1>\n

    Work through these steps in order:<\/p>\n

    \u200b<\/p>\n

    1. Confirm the transfer details<\/b>
    Make sure the sender used your correct and complete IBAN and full name.<\/p>\n

    \u200b<\/p>\n

    2. Request a proof of transfer<\/b>
    Ask the sending bank for documentation confirming the transaction was initiated.<\/p>\n

    \u200b<\/p>\n

    3. Initiate a claim of non-receipt<\/b>
    Ask the sending bank to open an investigation to locate and transfer the funds.<\/p>\n

    \u200b<\/p>\n

    Key takeaways<\/h1>\n
      \n
    • \n

      SEPA transfers can take 1 to 5 business days; instant transfers arrive in seconds.<\/p>\n<\/li>\n

    • \n

      A Pending<\/b> status means the transfer is still being processed or is under a compliance review.<\/p>\n<\/li>\n

    • \n

      Incorrect IBAN or name details can block a transfer entirely.<\/p>\n<\/li>\n

    • \n

      If a transfer is late, confirm the details, request proof of transfer, then ask the sending bank to open an investigation.<\/p>\n<\/li>\n<\/ul>\n

      Need help? Chat with us or email support@accountable.eu, we’re happy to help.<\/p>\n","protected":false},"excerpt":{"rendered":"

      This article explains why an incoming transfer might take longer than expected, and what to do about it.<\/p>\n","protected":false},"featured_media":0,"template":"","help_label":[523,662],"class_list":["post-37916","help_center","type-help_center","status-publish","hentry"],"acf":[],"yoast_head":"\nWhy is my incoming transfer delayed? - Accountable<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.accountable.eu\/en-be\/help-center\/why-is-my-incoming-transfer-delayed-3\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why is my incoming transfer delayed? - Accountable\" \/>\n<meta property=\"og:description\" content=\"This article explains why an incoming transfer might take longer than expected, and what to do about it.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.accountable.eu\/en-be\/help-center\/why-is-my-incoming-transfer-delayed-3\/\" \/>\n<meta property=\"og:site_name\" content=\"Accountable\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/help-center\\\/why-is-my-incoming-transfer-delayed-3\\\/\",\"url\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/help-center\\\/why-is-my-incoming-transfer-delayed-3\\\/\",\"name\":\"Why is my incoming transfer delayed? 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