Hey bunqers 🌈,
This topic outlines the estimated time of arrival for incoming and outgoing payments.
We do our best to process your payments as soon as possible. If the processing of an incoming or outgoing payment takes longer than expected, the bunq app shows you the estimated delivery date.
How long does my payment take to arrive?
Transfers between bunq accounts are instant⚡️.
Transfers between your bunq account and external banks in euros, more specifically in the SEPA Region typically reach the recipient within 1 to 2 business days.
Direct debit payments are usually instant but can take up to 1-2 business days.
Wise payments are usually 2-5 business days but can take up to a week due to weekends or public holidays.
For SWIFT payments, the processing time is usually 5 days but can extend up to a week, due to the procedures of the other bank involved.
That said, we use strict security measures to verify the legitimacy of outgoing and incoming payments. Therefore, payments may be reviewed by us before they are processed, and it may take longer for your payment to arrive than you initially expected.
How can I see the estimated arrival time of my outgoing payment?
If you’ve initiated a payment but it hasn’t arrived to your recipient yet, it’s considered a pending outgoing payment.
To see the estimated arrival time of your outgoing payment, follow these steps:
Go to 🏠 Home
Tap on the Bank Account you’ve made the payment from
Tap on the payment
‘Estimated Delivery’ shows you if the payment has arrived or when the payment is expected to arrive.
How can I see the estimated arrival time of my incoming payment?
A pending incoming payment is a payment that has been initiated but hasn't yet been fully processed and credited to your account. Think of it as a package that is on its way to you but hasn't been delivered yet.
If bunq receives an incoming payment and we are reviewing it, the app will show the payment with an estimated delivery date in the payment details. To see the estimated arrival time, follow these steps:
Go to 🏠 Home
Tap on the Bank Account where you expect the payment to arrive
Tap on the payment
‘Estimated Delivery’ shows you when the payment is expected to arrive.
Once the your incoming payment arrives, you’ll receive a notification 🔔
Why is my payment taking longer than expected?
Possible reasons for a longer payment processing time may be one of the following:
The cooperating bank has an ongoing incident or service outage (contact them for further investigation on your transfer and further solution);
The payment got stuck in the cooperating bank's system and has to be reversed from their side (contact them for further payment investigation on their side);
The payment got stuck in our system and has to be reversed from our side (start an in-app payment investigations as explained here);
The payment didn't arrive, bounced back or is delayed because of service outage on our side (rare case scenario, if something like this happens we'll let you know immediately);
You changed your account’s daily limit before making a payment.
You logged in on a new device before making a payment.
The payment has otherwise raised our suspicion and we’re taking the necessary steps to verify its legitimacy.
Your payment might be delayed. Further information on the matter can be found here.
My payment hasn't arrived yet, what can I do?
Keep in mind that different payments have different estimated arrival times.
If your payment isn’t immediately processed - no worries! In a majority of cases, the payments are slightly delayed and make it to the account within the processing timeframe. You can check the average estimated times in the How long does my payment take to arrive? section above.
We recommend waiting at least 2 days before initiating an in-app Payment Investigation as the money is likely to arrive within this timeframe.
How do I initiate an in-app Payment Investigation?
If 2 days have passed and you are still waiting for your payment to arrive, you can follow the steps outlined below.
For Incoming payments
If you’re waiting for an incoming payment (that isn't delayed) or when it has been returned to the sender, you can start an in-app Payment Investigation. To do so, see the steps below:
Tap on your Profile in the top left corner
Tap on 🟢 Support
Make sure to share all of the following details with our instant support chat:
A quick description of the issue,
Your Bank Account details (IBAN),
The sender's Bank Account details (IBAN),
The payment date and amount,
A payment confirmation document (e.g., a bank statement),
A transaction ID (EBA ID if your transfer was made within the EEA or the UETR code if you made a SWIFT payment).
To help us locate your payment easily and quickly, we need all the details mentioned above. We can escalate your case to the relevant team only once we have this information. They will then review your case and continue working on a solution.
Further information on Payment Investigations can be found here.
For outgoing payments
You can find the estimated delivery of an outgoing payment in the bunq app as described above. For payments that have raised our suspicion and are therefore being reviewed, you have 24 hours to cancel it. To do so, find the payment in your bunq app and tap on ‘Cancel this Payment’. The payment will be canceled and your balance will be restored.
If your payment hasn’t arrived after 2 days, you can:
Open your bunq app.
Select the payment in question.
Export the statement: we generate statements which contain your and recipient’s IBANS, payment date and amount and transaction IDs (EBA ID or UETR Code) to help the recipient’s bank easily trace the payment.
Send the exported statement to the recipient’s bank for verification.
The recipient’s bank will check the statement and confirm they got the payment.
If the recipient bank can’t locate the payment, they should provide a confirmation document to you.
Reach out to bunq Support with the confirmation document from the recipient’s bank and the exported statement. We’ll take it from there 🚀
Hey bunqers 🌈,
This topic outlines the estimated time of arrival for incoming and outgoing payments.
We do our best to process your payments as soon as possible. If the processing of an incoming or outgoing payment takes longer than expected, the bunq app shows you the estimated delivery date.
How long does my payment take to arrive?
Transfers between bunq accounts are instant⚡️.
Transfers between your bunq account and external banks in euros, more specifically in the SEPA Region typically reach the recipient within 1 to 2 business days.
Direct debit payments are usually instant but can take up to 1-2 business days.
Wise payments are usually 2-5 business days but can take up to a week due to weekends or public holidays.
For SWIFT payments, the processing time is usually 5 days but can extend up to a week, due to the procedures of the other bank involved.
That said, we use strict security measures to verify the legitimacy of outgoing and incoming payments. Therefore, payments may be reviewed by us before they are processed, and it may take longer for your payment to arrive than you initially expected.
How can I see the estimated arrival time of my outgoing payment?
If you’ve initiated a payment but it hasn’t arrived to your recipient yet, it’s considered a pending outgoing payment.
To see the estimated arrival time of your outgoing payment, follow these steps:
Go to 🏠 Home
Tap on the Bank Account you’ve made the payment from
Tap on the payment
‘Estimated Delivery’ shows you if the payment has arrived or when the payment is expected to arrive.
How can I see the estimated arrival time of my incoming payment?
A pending incoming payment is a payment that has been initiated but hasn't yet been fully processed and credited to your account. Think of it as a package that is on its way to you but hasn't been delivered yet.
If bunq receives an incoming payment and we are reviewing it, the app will show the payment with an estimated delivery date in the payment details. To see the estimated arrival time, follow these steps:
Go to 🏠 Home
Tap on the Bank Account where you expect the payment to arrive
Tap on the payment
‘Estimated Delivery’ shows you when the payment is expected to arrive.
Once the your incoming payment arrives, you’ll receive a notification 🔔
Why is my payment taking longer than expected?
Possible reasons for a longer payment processing time may be one of the following:
The cooperating bank has an ongoing incident or service outage (contact them for further investigation on your transfer and further solution);
The payment got stuck in the cooperating bank's system and has to be reversed from their side (contact them for further payment investigation on their side);
The payment got stuck in our system and has to be reversed from our side (start an in-app payment investigations as explained here);
The payment didn't arrive, bounced back or is delayed because of service outage on our side (rare case scenario, if something like this happens we'll let you know immediately);
You changed your account’s daily limit before making a payment.
You logged in on a new device before making a payment.
The payment has otherwise raised our suspicion and we’re taking the necessary steps to verify its legitimacy.
Your payment might be delayed. Further information on the matter can be found here.
My payment hasn't arrived yet, what can I do?
Keep in mind that different payments have different estimated arrival times.
If your payment isn’t immediately processed - no worries! In a majority of cases, the payments are slightly delayed and make it to the account within the processing timeframe. You can check the average estimated times in the How long does my payment take to arrive? section above.
We recommend waiting at least 2 days before initiating an in-app Payment Investigation as the money is likely to arrive within this timeframe.
How do I initiate an in-app Payment Investigation?
If 2 days have passed and you are still waiting for your payment to arrive, you can follow the steps outlined below.
For Incoming payments
If you’re waiting for an incoming payment (that isn't delayed) or when it has been returned to the sender, you can start an in-app Payment Investigation. To do so, see the steps below:
Tap on your Profile in the top left corner
Tap on 🟢 Support
Make sure to share all of the following details with our instant support chat:
A quick description of the issue,
Your Bank Account details (IBAN),
The sender's Bank Account details (IBAN),
The payment date and amount,
A payment confirmation document (e.g., a bank statement),
A transaction ID (EBA ID if your transfer was made within the EEA or the UETR code if you made a SWIFT payment).
To help us locate your payment easily and quickly, we need all the details mentioned above. We can escalate your case to the relevant team only once we have this information. They will then review your case and continue working on a solution.
Further information on Payment Investigations can be found here.
For outgoing payments
You can find the estimated delivery of an outgoing payment in the bunq app as described above. For payments that have raised our suspicion and are therefore being reviewed, you have 24 hours to cancel it. To do so, find the payment in your bunq app and tap on ‘Cancel this Payment’. The payment will be canceled and your balance will be restored.
If your payment hasn’t arrived after 2 days, you can:
Open your bunq app.
Select the payment in question.
Export the statement: we generate statements which contain your and recipient’s IBANS, payment date and amount and transaction IDs (EBA ID or UETR Code) to help the recipient’s bank easily trace the payment.
Send the exported statement to the recipient’s bank for verification.
The recipient’s bank will check the statement and confirm they got the payment.
If the recipient bank can’t locate the payment, they should provide a confirmation document to you.
Reach out to bunq Support with the confirmation document from the recipient’s bank and the exported statement. We’ll take it from there 🚀
Hey bunqers 🌈,
This topic outlines the estimated time of arrival for incoming and outgoing payments.
We do our best to process your payments as soon as possible. If the processing of an incoming or outgoing payment takes longer than expected, the bunq app shows you the estimated delivery date.
How long does my payment take to arrive?
Transfers between bunq accounts are instant⚡️.
Transfers between your bunq account and external banks in euros, more specifically in the SEPA Region typically reach the recipient within 1 to 2 business days.
Direct debit payments are usually instant but can take up to 1-2 business days.
Wise payments are usually 2-5 business days but can take up to a week due to weekends or public holidays.
For SWIFT payments, the processing time is usually 5 days but can extend up to a week, due to the procedures of the other bank involved.
That said, we use strict security measures to verify the legitimacy of outgoing and incoming payments. Therefore, payments may be reviewed by us before they are processed, and it may take longer for your payment to arrive than you initially expected.
How can I see the estimated arrival time of my outgoing payment?
If you’ve initiated a payment but it hasn’t arrived to your recipient yet, it’s considered a pending outgoing payment.
To see the estimated arrival time of your outgoing payment, follow these steps:
Go to 🏠 Home
Tap on the Bank Account you’ve made the payment from
Tap on the payment
‘Estimated Delivery’ shows you if the payment has arrived or when the payment is expected to arrive.
How can I see the estimated arrival time of my incoming payment?
A pending incoming payment is a payment that has been initiated but hasn't yet been fully processed and credited to your account. Think of it as a package that is on its way to you but hasn't been delivered yet.
If bunq receives an incoming payment and we are reviewing it, the app will show the payment with an estimated delivery date in the payment details. To see the estimated arrival time, follow these steps:
Go to 🏠 Home
Tap on the Bank Account where you expect the payment to arrive
Tap on the payment
‘Estimated Delivery’ shows you when the payment is expected to arrive.
Once the your incoming payment arrives, you’ll receive a notification 🔔
Why is my payment taking longer than expected?
Possible reasons for a longer payment processing time may be one of the following:
The cooperating bank has an ongoing incident or service outage (contact them for further investigation on your transfer and further solution);
The payment got stuck in the cooperating bank's system and has to be reversed from their side (contact them for further payment investigation on their side);
The payment got stuck in our system and has to be reversed from our side (start an in-app payment investigations as explained here);
The payment didn't arrive, bounced back or is delayed because of service outage on our side (rare case scenario, if something like this happens we'll let you know immediately);
You changed your account’s daily limit before making a payment.
You logged in on a new device before making a payment.
The payment has otherwise raised our suspicion and we’re taking the necessary steps to verify its legitimacy.
Your payment might be delayed. Further information on the matter can be found here.
My payment hasn't arrived yet, what can I do?
Keep in mind that different payments have different estimated arrival times.
If your payment isn’t immediately processed - no worries! In a majority of cases, the payments are slightly delayed and make it to the account within the processing timeframe. You can check the average estimated times in the How long does my payment take to arrive? section above.
We recommend waiting at least 2 days before initiating an in-app Payment Investigation as the money is likely to arrive within this timeframe.
How do I initiate an in-app Payment Investigation?
If 2 days have passed and you are still waiting for your payment to arrive, you can follow the steps outlined below.
For Incoming payments
If you’re waiting for an incoming payment (that isn't delayed) or when it has been returned to the sender, you can start an in-app Payment Investigation. To do so, see the steps below:
Tap on your Profile in the top left corner
Tap on 🟢 Support
Make sure to share all of the following details with our instant support chat:
A quick description of the issue,
Your Bank Account details (IBAN),
The sender's Bank Account details (IBAN),
The payment date and amount,
A payment confirmation document (e.g., a bank statement),
A transaction ID (EBA ID if your transfer was made within the EEA or the UETR code if you made a SWIFT payment).
To help us locate your payment easily and quickly, we need all the details mentioned above. We can escalate your case to the relevant team only once we have this information. They will then review your case and continue working on a solution.
Further information on Payment Investigations can be found here.
For outgoing payments
You can find the estimated delivery of an outgoing payment in the bunq app as described above. For payments that have raised our suspicion and are therefore being reviewed, you have 24 hours to cancel it. To do so, find the payment in your bunq app and tap on ‘Cancel this Payment’. The payment will be canceled and your balance will be restored.
If your payment hasn’t arrived after 2 days, you can:
Open your bunq app.
Select the payment in question.
Export the statement: we generate statements which contain your and recipient’s IBANS, payment date and amount and transaction IDs (EBA ID or UETR Code) to help the recipient’s bank easily trace the payment.
Send the exported statement to the recipient’s bank for verification.
The recipient’s bank will check the statement and confirm they got the payment.
If the recipient bank can’t locate the payment, they should provide a confirmation document to you.
Reach out to bunq Support with the confirmation document from the recipient’s bank and the exported statement. We’ll take it from there 🚀