💡 Key details at a glance:
- Within the EU (SEPA area): In accordance with EU regulations, international transfers within the European payment area in euros take a maximum of one banking day. If the payment is made in a foreign currency (e.g. CHF, GBP, PLN), the processing time may be extended to up to four banking days.
- Outside the EU: Transfers from non-EU countries can take up to seven days (one week) before the amount is credited. If exotic currencies are used or the transaction is processed via intermediary banks, the processing time may be even longer.
- Statutory bank checks: Banks are required to carry out security checks under statutory regulations (e.g. for the prevention of money laundering). As a result, a payment may be temporarily held – even if the money has technically already arrived at the recipient bank.
- Important for payments via Aufinity: If an international transfer is not sent exactly to the IBAN provided or the payment reference is changed, the system may be unable to assign it automatically. This leads to manual checks and further delays in approval.