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How long does it take for a transfer to reach its recipient?

Transfer times vary by method: SEPA (1–2 business days), SWIFT (2–5 business days), Local (up to 3 business days).

Intergiro Support avatar
Written by Intergiro Support
Updated over a week ago

Transfer Processing Times

Transfer delivery times depend on the type of payment rail and destination. Please refer to the table below for standard processing times:

Payment Method

Expected Arrival Time

SEPA

1–2 business days

SWIFT

2–5 business days

Local Transfer

Up to 3 business days

Details

SEPA Transfers:

  • Used for sending euros within the SEPA area (covers most EU countries and select others).

  • Usually completed within 1 to 2 business days.

SWIFT Transfers:

  • For international transfers in various currencies.

  • Typically arrive within 2 to 5 business days, depending on the recipient's bank and country.

Local Transfers:

  • Domestic or in-country transfers in supported currencies.

  • Funds generally arrive within 3 business days.


Important Notes

Processing times may vary based on the time the payment order is submitted, cut-off times, weekends, bank holidays, and recipient bank processing.

Transfers may be delayed if additional compliance or verification is required.

Instant internal transfers between your own Intergiro wallets (SEPA rail) can be processed immediately.

Ready to make a transfer?

Go to your Intergiro dashboard, select the transfer type, and follow the prompts.

Additional details on processing times and cut-off specifics can be found in our Terms & Conditions.

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