Karl If you're able to send an instant transfer, then just a few seconds. If the other bank cannot send an instant transfer, it will probably take around 1-2 business days, as that's the normal transaction time for SEPA bank transfers. It's probably best to ask the other bank about what kind of transfers they support. As for bunq, they're connected to all of the major instant transfer payment gateways (both RT1 and TIPS).