Most SEPA transfers in euros are processed within 1 hour, but in some cases they can take between 24 and 48 business hours to be credited to your ARQ account. Even if the issuing bank indicates that the transfer is immediate or has already been sent, the money may need this time to complete interbank validations.
Saturdays, Sundays, and non-business days are not counted within this period. If the transfer was made over the weekend, processing begins on the next business day.
If 48 business hours have not yet passed, please wait for the normal processing period to complete.
If more than 48 business hours have passed and the money has not appeared:
1. Confirm with the issuing bank that the transfer was sent in EUR via the SEPA network and that it has already been sent to the banking network.
2. Verify that the IBAN and beneficiary details are correct.
3. Request the complete proof of transfer and the tracking reference from the issuing bank, such as the E2E or UETR code.
4. Share the proof of transfer and reference with us, so we can proceed with the review.
