How much does the payment go through Sberbank. I want a bank transfer tomorrow, but it takes a long time. How much money goes from the current account to the current account of different banks

Not only legal entities, but also individuals often depend, and very strongly, on the time of money transfer. This is especially true when paying off loan debt, transferring amounts to mobile operators, as well as relatives and friends who are in a critical situation. In order not to find yourself in a situation where the monthly installment on the loan is not paid off on time due to a bank delay, as a result of which penalties and fines were charged or a negative entry in the credit history was made, it is necessary to know the time of money transfer between banks.

In practice, individuals and legal entities are often faced with a situation where a payment along the same route goes very quickly, literally in minutes, and sometimes gets stuck up to 5 days. Let's try to figure out the reasons.

Reasons affecting the speed of money transfer

The timing of the transfer of funds between banks depends on many factors.

• The transaction is carried out between different banks. Regardless of whether the transfer is carried out from card to card or by bank payment from a current account to a current or personal account, delays of an objective nature are possible. This should be taken into account by both legal entities and individuals. For example, from a VTB card to an Alfa Bank card, the amount of money can go up to 5 days.
• The transfer is made from a credit to a debit card of a third party. In such cases, the lender will be sure to check the payment in order to avoid fraud of various kinds of swindlers. Verification will take 1-5 days.
• Money is transferred from card to card of various payment systems. For example, a transaction for Visa or Maestro plastic from the Mir bank card of Sberbank is always delayed. The same can be said for payments between Visa and MasterCard. Here, the time for crediting a payment can last from 15 minutes to 3 days.
• The beneficiary bank is located in a different region. Above, we noted the delay in payments between different banks. Here we are talking about the same bank, for example, Savings Bank, but located in different cities (transfer from St. Petersburg to Khabarovsk). This point should be taken into account by bank clients with different legal status.
• Using a third-party ATM for the transaction. For example, a Sberbank ATM was used to transfer money between Rossiya Bank and Gazprombank. In this case, the transfer will not be made until the commission for the operation is on the account of the owner of the payment terminal (Sberbank) - at least 1 business day.
• The amount of money transferred also affects the transfer speed. For insignificant amounts, banks carry out spot checks. Transfers over 50,000 rubles are subject to mandatory verification. The larger the amount, the more thorough the check, the more meticulous the inspectors, the longer it takes them to approve the operation.
• With international transfers, there are no restrictions on the term for crediting money. Here, unscrupulous actions of banks are possible along the entire chain: the sending bank - the correspondent bank - the recipient bank. Each of them can hold up money for a couple of days to roll over in the form of loans. In addition, it is necessary to take into account one more important point: the discrepancy between the holidays of the sender's country and the recipient's country. So, a Russian payment to China on their New Year can wait for up to a month to be credited.
• Technical failures of payment systems, including those due to hacker attacks, also affect the time of payments. For large banks, the time to restore a software product can take up to a day, small banks - several days.
• It must also be remembered that the term for transferring money between banks from one account to another depends on the system for conducting settlement operations. At the moment, in the Russian Federation, payments are made simultaneously through 3 systems: multi-trip; continuous processing of payments; electronic (BESP). The last two allow you to transfer funds from one bank to another through accelerated processing channels during the working day. The systems are expensive to install, so the fees are significantly higher than multi-trip processing.
• Errors in the details of payment documents also delay transactions.

Knowing the pitfalls in the passage of money in the financial sector, you can give answers on the passage of a payment in a specific situation.

Within one region

How long does a bank transfer take between banks within the same region?

• If the accounts of the sender and the recipient are in the same bank, then within an hour.
• If the sender and the recipient are clients of the same bank, but in different branches of the same region, the money will be received during the working day.
• The payment arrived at one bank, and the recipient is in another bank, but in the same region - the payment takes a maximum of two days. In practice, the following picture is observed: submission of payment documents before 12 noon on a working day allows money to be credited to the recipient's bank on the same day until 6 pm. If the payment is submitted later than 12 hours, the money will come to the recipient's current account the next day.
• All payments of individuals up to 50 thousand rubles are processed within a maximum of 24 hours. More than 50 thousand may be delayed for 1-2 days.

From one region to another

How much money goes between banks from different regions? Here for legal entities a slightly different rule applies: the payment is in progress at least one day, maximum - 5... For individuals using Internet payments, funds are credited within 24 hours. Delays may be due to the reasons stated above.

Transfer to a bank of another country

International transfers can take up to 10 days... There are many reasons: a long chain of transaction participants (there are correspondent banks between the sender and the recipient bank), the need to convert money into local currency, the desire of each participant in the chain to hold back the money for at least one day to be used in the form of credit funds.

Is there a difference for transfers from the current account of a legal entity

The transfer of funds from the current account to the personal one occurs according to the same algorithm as the transfer of funds from the current account to the current one.

Terms of transfer between cards of different banks

In an effort to attract customers, banks are making efforts to provide instant money transfers from card to card, regardless of where they are located. However, here too possible delays for the above reasons up to 5 days.

Is there a difference for different card payment systems

The owners do not feel the use of cards from different world payment systems in their calculations - money is credited quickly. The exception is the Russian payment system Mir, which is not fully integrated into the global payment system. Here, delays are chronic.

Conclusion

It is impossible to answer specifically how many days a bank transfer takes between different banks. Here it is possible to interweave several factors at once that affect the speed of receipt of money to the recipient's account.

But the transfer cannot go for more than 5 days - the law imposes restrictions on the duration of transactions... So, the sending bank is obliged to send the payment on a maximum of the second day (2 days), the Central Bank is given 1 day to process the submitted documents, the receiving bank must, the next day, after receiving money from the Central Bank of Russia, deposit funds to a personal or current account (2 days). As a result, it turns out 5 days.

4.2 / 5 ( 5 votes)

After placing and paying for the order, the trading platform checks the payment. You can understand that your order is in check status in your personal account in the "My orders" column. Let's take a closer look at what this is for and how long it takes to process a payment.

Why is it necessary to verify the payment on Aliexpress

Aliexpress guarantees the safety of making safe transactions not only for buyers, but also for sellers. And since sellers receive their money only after confirming the delivery of the order, the administration of the trading platform takes over the verification of the receipt of funds from buyers. That is, the "Check payment" option is aimed at ensuring that the seller is guaranteed to receive money for the goods sent by him.

According to Aliexpress rules, payment verification takes 24 hours. But this does not mean that you will have to wait that long. If the operators are not heavily loaded, the check will take only a few hours. Since there are a lot of users of the resource, and some force majeure circumstances may arise, Aliexpress insures itself with additional time. However, this does not mean that money will be debited from your account only after verification.

As soon as you click the "Pay" button, the money is instantly debited from your account and credited to the Aliexpress system. After the operator personally checks the receipt of money, the status of your order will change to "Awaiting dispatch". During the time until the customer confirms the delivery of the goods, the money will be kept on Aliexpress. This is definitely an advantage for buyers as well. After all, if you open a dispute before receiving the order, Aliexpress is guaranteed to refund your money.

What to do if payment is verified more than 24 hours

If your payment has been verified for more than 24 hours, don't worry. Payment verification depends on many factors. To get started, pay attention to whether you purchased the item in the midst of discounts or seasonal sales, like:

• Black Friday;
• Cyber ​​Monday;
• Holiday discounts.

During this period, the Aliexpress system is overloaded due to the large number of orders. This can undoubtedly affect the payment verification time. In this case, do not take any hasty action, just wait another day.

The second reason may be a malfunction in the system. We can say with confidence that Aliexpress is a proven service, and there were practically no failures in work, but still, sometimes there may be exceptions. In this case, the system will notify you that some technical work is being carried out on the site. In this case, it is recommended to just wait, since any actions taken will in no way affect the speed of payment verification for your order.

If the money was debited from your account, you have waited a sufficient amount of time, and the order status has not changed, we advise you to contact the service.

What to do if money has not arrived at Aliexpress

If enough time has passed since the payment for the order, you requested a statement from the bank, which confirms that the money was debited for the Aliexpress order, while your order is in the "Payment is being verified" status, most likely your money is stuck between banks. Wait another 2-3 days, at the same time controlling the status of the order and the invoice, in such cases the money may be returned to the account, or the order will still be paid.

If money does not appear anywhere, it is better to write a letter to [email protected] with the following content:

Some days ago I pay order # 6123445542 (include your order number). My bank claims that the money sent completely. But in my Aliexpress account my order is not paid. Money is not received and the order is not shipped. Please check it.

Variants of the text may be different, depending on the proficiency of English, but the content should be of such a plan. The answer will not keep you waiting long. If Aliexpress confirms that the money has not been credited to their account, you will have to contact the bank serving you with a corresponding statement.

How to cancel an order when checking a payment

It is much more convenient to cancel a paid order in the "Payment being checked" status than in the "Awaiting dispatch" status. In this case, the money will be returned to you much faster. While your order is in the "Payment being verified" status, the seller waits patiently and does not take any action. But as soon as Aliexpress confirms the payment, the seller can start shipping your package.

The fact that the order is not yet in the "Sent" status does not mean that the seller has not sent it. Due to the workload, he simply could not have time to confirm the dispatch. And since any cancellation of the order is made without fail with the consent of both parties (the seller and the buyer), then without confirmation of the cancellation by the seller, the order can be canceled only after the time allotted for processing the order. The processing time of the order is different for each seller, they are indicated on the product page below the price and consist only of working days.

When canceling an order that has the "Checking payment" status, you don't have to worry that Aliexpress may impose sanctions on the buyer. In accordance with the regulations of Aliexpress, sanctions can be applied, depending on the reason for the refusal specified by the buyer and the consent to the refusal of the seller. In any case, the most loyal reason for refusal is the “wrong product choice” item. Therefore, in order to simplify the refusal procedure and in order to save time, it is recommended to choose this particular reason.

In order to cancel an order in the "Payment being verified" status, go to your order page and click on the "Cancel order" button. Next, select the reason for the refusal. After the cancellation, the status of the order will change to "Order completed" and the money will be credited to your account within 3 (days according to the regulations), usually on the same day.

Transfers of finances to the current account are very important for entrepreneurs, especially their speed, because the time of shipment of goods and the start of work depend on this.

How long does it take to transfer to the current account

It is impossible to accurately answer this question, because the speed depends on the type of monetary transaction, the recipient and the bank. The bank in this list is the most important, because in some institutions money is transferred to another account in a couple of seconds, while in others it will take several hours to check all the parameters.
But it is important to know that the law established a rule on crediting funds no later than a day following the acceptance of a payment from another financial authority.

The longest term is to send the payment the next day.

However, due to the appearance of additional activities accompanying the transfer of payment, the transfer period becomes longer, but no more than 5 days.
In circumstances in which a money transfer has a connection with another currency, the transfer time is usually about 2 days, but it can increase if an error is found in the documents or other obstacles are encountered.

How much money goes to the current account of Sberbank

Sberbank is the largest financial institution in our country, issuing loans, storing money and making financial transfers.

Despite the fact that there may be some shortcomings in the work of the bank, they are compensated for by the reliability and safety of transactions.

When sending money to the project account of Sberbank, you need to know the outcomes of some situations that may arise:

• Payment in ruble currency is forwarded to the local Sberbank account
  If the money transfer operation was performed in the morning or in the afternoon, the money will be credited to the recipient's account on the same day.
  If the money was transferred in the evening, i.e. after 16:00, the transferred amount will be credited to the opposite account in the morning of the next day.
  If there are days off, the transfer period may be extended.
• The money transfer was made from a Sberbank branch in another region or from another financial institution
  Such payments are transferred to the beneficiary's account the next day, in the morning or in the evening. Of course, such terms arise in the absence of days off between them and the absence of problems that may arise as a result of incorrect data during a money transfer.
• The payment was sent in foreign currency
  This situation is the most difficult, since a lot depends on the bank from which the funds are sent.
  There are no exact dates for such payments, however, in most cases, the term of a money transfer does not exceed 2-7 days of a working week.

How long does it take to get money from the current account to the current account of different banks?

There are no exact dates for determining the timing of sending to an account from outside banks, because each monetary authority has its own rules and regulations for the transfer.

Payments made in local currency, i.e. in rubles, are usually transferred within one day. Sending non-ruble currency takes place within two days.

How long does it take to receive money on the card from the Current Account?

As you know, almost every bank card user has at least once made a money transfer from a current account, since this greatly facilitates and makes the money transfer procedure safer. For example, to pay for goods or the work of employees.

If the sender and the recipient (recipients) are clients of the same bank, then the transfer procedure usually does not exceed 4-5 hours. In special cases, sending finances may take a day.

A money transfer made to a recipient from another bank takes longer. Usually the term does not exceed 1-2 days, however, in connection with some banks, this term can be increased to 5 days. Basically, the term is increased due to the processing of the payment by the center of financial processes.

Methods of transferring to the Current account

There are many ways to transfer money. Each owner of a current account has the right to determine the method he likes most and use it.
In order to know the scope of the choice, below are the types of transfers and their short algorithm, which will help to carry out a money transfer quickly and accurately:

Money transfer through a bank branch

To make this type of money sending, you need to visit a bank branch, which has a personal current account.

When going to the bank, each sender must have with him:

• Details of the organization to which the transfer will be made (or individual entrepreneur);
• Personal current account number;
• Passport;
• In the payment document that accompanies the transfer, it will be necessary to indicate the reason, that is, the purpose of the transfer of finance.

Algorithm for sending money using a bank branch:

1. Come to the nearest bank branch where you have a personal checking account;
2. Fill out a payment order or entrust it to an account specialist;
3. Explain and write the essence (purpose) of sending funds;
4. Check the accuracy of the entered data;
5. If all the data has been entered correctly, then you need to sign the document. It is also worth leaving the document on the transfer of funds, since it will be evidence in case of inconsistencies.

Through any bank without opening a current account

Of course, it is best to have a checking account to simplify the money transfer, but you can make a money transfer without it.

To do this, it is enough to take the amount of money that needs to be transferred and go to the bank branch, which is ready to provide a money transfer without opening a personal account.

You can visit the bank where the company's cash account is kept, or visit a loan organization.

The required documents for this type of shipment are a passport and information for payment, i.e. details.

ATM or payment terminal

To transfer funds to another account, an ATM of only the authority with which the recipient interacts is suitable.

The procedure for transferring money through an ATM is very simple:

1. Find an ATM of the financial authority in which the beneficiary's current account is concluded;
2. Select the option "Transfer funds";
3. Enter the details, i.e. account number;

Using Online Banking

It is important to know that a transfer using an online bank will be possible only for Sberbank customers who have an account, but not necessarily a current one.

Algorithm for transferring funds using an online bank:

1. Go to your personal account on the Sberbank website;
2. Go to the category "Transfer of funds";
3. Enter the account number of the organization receiving the funds, as well as TIN and BIK;
4. Fill in the field with the transfer amount;
5. Fill in the field where the number of the personal account should be indicated, i.e. the sender of the funds;
6. Confirm the transfer procedure.

A receipt must be sent to the e-mail address, which will confirm the completion of the transfer of funds. It is important to keep it until the moment when the transferred funds reach the recipient and the transfer is confirmed by him.

Using the Mobile Bank (any of the banks)

This method is also suitable only for those who have a personal bank account:

1. To carry out this type of translation, you need to download the application in the application store (appstore, google play)
2. Go to the application, enter the data to enter your personal account;
3. Find the category "Transfer of funds" and click on it;
4. In the window that opens, enter your data and the data of the recipient. A convenient function is that in situations where money transfers are regular, you can save the template of the input data, which significantly speeds up the transfer procedure;
5. Confirm the operation.

After that, a document confirming the transfer of funds will be sent to your e-mail. It must be kept until the end of the financial transaction, that is, until the moment when the money arrives at the recipient's account.

From the map

The convenience of having a card lies in the fact that it can be used to send to the bank account of absolutely any organization.

To carry out the procedure for sending money, you should know the details of the subscriber who receives the funds, they will need to be reported to the operator.

If the payment is made personally, i.e. using the bank's online service (electronic service), then you need to fill in the details specially designed for this field, and then confirm the operation, while saving the electronic check.

Why the transfer may be delayed

As mentioned earlier, during money transfers, emergency situations may arise that significantly extend the transfer period.

It is important to take this into account if a financial transfer is planned in the future, and important circumstances will depend on the transfer period.

Reasons why a money transfer may be delayed:

1. Transfer term
   If the money transfer has not been completed within 1-3 days, then you should not panic. If more than 4 days have passed since the transfer, then you should contact the bank branch;
2. Availability of days off or holidays
   These factors make it possible to increase the translation period at the legislative level.
   The funds will be dispatched immediately after the end of the weekend or holidays.
3. Technique malfunctions
   Despite the fact that all the mechanisms are in place, the technique may malfunction.
   If there are violations, employees tend to immediately start fixing them, so that immediately after the work is established, the funds will be transferred.
4. Incorrectly filled details
   If errors are found when checking the details, then you must immediately contact the bank branch to resolve this issue.
   It is worth remembering that there are deadlines for correcting errors, if you miss them, a refund may become impossible.
5. Transfer amount is too large
   It is very easy to track the status of the transfer! It is enough to enter your account on the bank's website by entering your own data.

However, if the payment has been sent for a long time, it has the status of "pending processing", then you should contact the bank branch to confirm your transfer.

If the transfer limit is exceeded, then it is necessary to "split" the amount and send it to the opposite account in parts.

Video

In this video, you will learn about the nuances of transfers to cards of individuals and what consequences (fines) may follow from the tax service of the Russian Federation.

Many clients who use remote methods of managing their finances are interested in how much money transfers from Sberbank from one card to another. Let's take a closer look at the transfer options offered by the most popular bank in the country, as well as the time during which money is transferred to the card.

How long does it take for money to go to Sberbank

If you analyze the information from the official website of Sberbank, there is no unified standard governing the time of passage of money transfers in Sberbank. Various types of payments go through the largest financial institution in the country, and the timing of cash receipt on the account depends on the choice of an individual.

The waiting period for the transaction may take from 1 to 3 days, excluding weekends and holidays. A transfer sent on weekdays can be credited to the account instantly or delayed for all three days.

Are there options to speed up the flow of funds? The bank does not provide such an option. Money transfers within the system are controlled by technical means, and their sending is done automatically. Even bank employees cannot speed up this procedure.

The speed of receipt of the transfer to the account depends on the intensity of the system load. If thousands of Sberbank clients transfer funds at the same time, the payment may be delayed. Nightly, evening and holiday transactions are late.

What are the types of services

The speed of a money transfer is directly related to the selected transfer option and the remoteness of the recipient. The addressee can live both in Russia and abroad. Let's take a closer look at all the available options for financial transfers for private clients.

Transfers within Russia

This category includes all payment transactions from a citizen of the Russian Federation to another client of Sberbank or to your card. A prerequisite is that the recipient lives in one of the regions of Russia.

Funds are accepted in cash:

• A regular transaction through a bank branch. Transaction processing takes 1-2 business days.
• Fast transfer through the Hummingbird service. In this case, the money will be received within 10 minutes.

Available methods of wire transfer:

• From a Sberbank card to another personal card within the system. The money is credited to the new account instantly, but due to technical reasons, it may be delayed for 24 hours.
• From a Sberbank card to a card of any other Russian bank. The waiting time depends on the system performance and ranges from several minutes to 5 days.
• From a plastic card to an account and back, as well as between accounts, the money will pass within 2 days.

Transfers abroad

This category includes transactions to any foreign countries. The bank does not care whether a citizen transfers funds to relatives, for example, to Belarus or pays for a purchase on the other side of the world.

Waiting when paying for the transfer in cash:

• up to 10 minutes for urgent payments via MoneyGram;
• up to 60 minutes when paying in cash via;
• by ordinary international transfer with receipt of cash - 1 day, with crediting to a card or account - up to 2 days;
• by bank transfer via SWIFT - up to 2 days.

Transferring money within the Sberbank system is much faster than replenishing the accounts of foreign cardholders. The duration of the transaction depends on the host country, the time of receipt of the application for the service, the day of the week, etc.

Ways to send a transfer

For millions of existing clients of Sberbank, various money transfer options are available. The recipient can be either an ordinary citizen or a legal entity. Some services are available through remote banking after user registration.

Sberbank customers use their personal account for free. However, it is important to log in to be able to confirm any operation from the site. If earlier in the terminals of the bank it was possible to obtain 20 one-time passwords for these purposes, today the borrower agrees with the transaction by entering the code received in the form of sms.

Money transfers can be made remotely or through the nearest Sberbank ATM.

Through the Sberbank Online system

After that, the user gets access to the full functionality of the online service in the system. To perform the operation, you must open the section "Payments and Transfers", determine the appropriate type of transfer of funds, enter the details of the recipient, indicate the amount. The service allows you to transfer money by account, card or phone number if the mobile is tied to a Sberbank card.

How to make a translation without problems and hiccups, see.

Through the "Mobile Bank"

Service for clients with linking a mobile number to a bank card. Follow the instructions:

More than 90% of transactions take place in a couple of minutes, but there are isolated cases when recipients wait for money for about a day. If funds are delayed, double-check the account details and the recipient's phone number.

Transfers through the phone number of a Sberbank client have a limit on the amount. Limits are set individually. If the payment does not go through, divide the operation into 2 payments or check with the hotline operators for the maximum allowable amount.

ATM

This option is available when the sender and the recipient are Sberbank's clients at the same time. If the transaction takes place between bank cards from different regions, the sender pays a commission of 1% of the payment.

The operation takes place in several stages:

• Insert the card into the ATM and enter the system;
• Go to the "Payments and Transfers" tab;
• Select the type of operation and enter the recipient's card (phone) number;
• Enter the amount of the money transfer;
• Confirm your consent to the operation.

For citizens who do not use mobile applications and online services, the most affordable option to transfer money to a bank card is to visit a Sberbank branch. Write down the recipient's card number and amount on a piece of paper and ask the operator to complete the operation. After the transaction is completed, the employee will inform you about the duration of the receipt of money to the account.

For a long time I have been tormented by the question, why is it so inconvenient for banks to work with bank transfers? Why are they held only on weekdays? Why can I send money from card to card instantly, but sometimes I have to wait a week for the transfer details? After all, the process is the same, isn't it? I understand that in fact, perhaps, the transfer from card to card does not happen immediately. But the text message comes instantly, and the money can also be used immediately. And what's the catch then with bank details, why is it wrong with them?

I would be grateful if you could reveal what the secret is.

Julia, now we'll figure it out.

Michelle Korzhova

financial advisor to Tinkoff Bank

How does the transfer by card details work?

It is important not to confuse card and account. The card is a piece of plastic, a key to a bank account. Money is not stored on the card, it is stored in a bank account.

You've probably noticed that the cards belong to payment systems. The magic of translation speed is in them. The payment system is like a trusted negotiator: it instantly agrees with the banks that the transfer will take place, and the banks pretend that the transfer has already taken place.

Let me explain in more detail.

When you transfer money from card to card, you give a task to the payment system. She asks your bank if you have the right amount. If there is an amount, the payment system asks the bank to hold it, and itself informs the recipient's bank: "Dear friend, soon you will receive a transfer to such and such an account." The money itself has not yet been transferred anywhere, it is blocked on your account. Typically, a blocked operation will be labeled "Awaiting authorization".

When the system approves your transfer, it informs the recipient's bank: “Look, you will receive a transfer soon. Pretend that the client already has this money. " Since banks trust the payment system, they credit the client with the money that has not yet arrived.

At the end of the day, the payment system calculates how much it should transfer to whom, makes an offset, and eventually asks the banks to transfer the money where necessary. And now the banks are taking the blocked money from your account and sending it to the address at their usual pace. You do not see this - this is already banking. Since banks trust the payment system, and the system trusts banks, it is enough for them to instantly "agree" on the transfer, and make the transfer later. And for you it looks like the money was transferred instantly. The magic of negotiations!

How the transfer is arranged according to bank details

Transferring from one account to another by bank details is an old technology in which the Central Bank is involved, and everything is strict and takes a long time there.

All bank ruble transfers go through the Central Bank - a special payment document is sent there. The Central Bank has requirements for these documents, in particular, they can be sent only on working days and only at a strictly allotted time - these time intervals in banks are called "flights". Until July 2, 2018, these flights were strictly fixed in time.

Ruble flights between banks

Flight No. (CB)

Formation of payment

Central Bank accepts

Central Bank confirms

The bank receives

Flight No. (CB)

Formation of payment

Central Bank accepts

Central Bank confirms

The bank receives

Flight No. (CB)

Formation of payment

Central Bank accepts

Central Bank confirms

The bank receives

Flight No. (CB)

Formation of payment

Central Bank accepts

Central Bank confirms

The bank receives

19:00 Moscow time or tomorrow morning

Flight No. (CB)

As before, the Central Bank receives the payment document during its working hours, checks the data and, if everything is in order, confirms the transfer. The Central Bank transmits the relevant information to the receiving bank. The receiving bank checks the data of the person or organization for which the transfer is intended and transfers the money to his current account.

If there are errors in the details, the transfer is included in the list of "outstanding payments". If the recipient is still not found within five working days, the money will be returned back to the sender.

The rest of the procedure for sending and receiving transfers from banks remained the same.

In general, transfers by details take so long, because they happen only at a certain time and go through a bunch of checks.

If you have a question about personal finances, credit history or family budget, please write: [email protected] We will answer the most interesting questions in the magazine.