Daria
HI π,
my experience, just happened few minutes ago, I had a NON instant SEPA transfer done from abroad (IT -> NL) and got executed with deposit to my bunq account within a WORKING day (sent yesterday ~ 14:00 arrived this morning ~ 08:00). It happened that transfer took a bit more .. but always with 2 WORKING days.
As Jakob mentioned already, it takes a max of 2 WORKING days for the payment to pop up in your account if done via normal SEPA transfer (IBAN to IBAN in EURO).
You can read all about it at this bunq official document:
π https://together.bunq.com/d/4295-when-will-i-receive-my-payment/12
No payment gets lost.
Regards
GG