When will my payment arrive?

bunq

Hey bunqers 🌈

This topic outlines the estimated time of arrival for incoming and outgoing payments. We do our utmost 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.
For SWIFT payments, the processing times 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?

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?

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?

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:

Go to Profile
Select 🟢 Support
Click on I have a problem with a payment
Select I have a missing payment
Follow the rest of the flow

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.

To provide proof that you made a successful payment while it’s being processed, you can export a statement from your account and share it with the recipient.