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sonospartacus | Why does it take days for money to show up in one account if it's transferred electronically ? |
i transferred some money yesterday and it was immediately taken from my account. However the person i sent it to still doesn't see it in their account. Where is it ? Is the bank using it to get interest ? I could understand a cheque may take time as they need to verify the funds are there, but if i can take the money electronically, surely this means that the money is available. So what is the bank doing which takes so much time ? |
 |
 
AC
|
Theoretically a cheque or an online transfer should take the same amount of time to make their way through the system from when you press the send button on the computer and when the cheque is presented at a bank.
It all depends on which banks i.e if both accounts are with the same bank then it should be quicker as there is no need to go to the central UK clearing system. This is when the time goes between account a and account b.
each bank generally only 'talks' to the central banks once or twice a day so there can be some delay between transactions.
However, it is a well know fact that banks earn interest off bank to bank transfers (called overnight float) and its worth raising your concerns to your local branch to keep them on their toes.
Unfortunately though, until the day when noone 'needs' the face to face interaction of a real person sitting behind a counter banks are going to continue this interest earning tactic to pay their overheads.
Would you be willing to pay a fee if you go into a branch instead of doing all transactions online? |
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sukis
|
they will take it out quick but not put it back quick they are greedy |
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Silke
 |
Banks screwing you for as much money as it's allowed. |
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amerika
|
Hi there,
You better ask them,if the assistant can not give you satisfying answer,then got to the manager,they will explain it to you I'm sure!
Otherwise bankers,politicians are not the best to provide good service for the rest of the community! Try to live with it!
All the best:
B. |
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KnOwLeDgE_iS_PoWeR
|
Getting as much interest as possible. thieving bstards. |
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killa_thief
 |
i hate that to but it has to b litteraly put in to your account it suxs |
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delphi13
 |
The bank is stealing the money for 4 days and making interest on it. They are thieving gits and should be made to pay. |
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Stephen L
|
Because the banks (pimples on the bottom of capitalism) keep hanging on to a system that hasn't changed much since the 17th century, because they make a fortune on the interest on short-term overnight loans to businesses. |
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nitr021
|
you see when you do transfers electronically, meaning clicking the transfer button you are not the one activating the transfer once you clicked it.
When you click the transfer button, a query will be sent to your bank and these queries needs to be sent to their parent bank and so on.
Normally banks run these queries as a batch to the parent network using high end servers. As the parent server is probably going to receive millions of query each bank is given an time to send the data. If for example the server your account is in a bank that has 2 parent banks. your server queries your bank and then your bank keeps it until it is allowed to process the details to its parents bank and on that parent bank server will then wait to query it's parent bank until it reaches the main server. Once that the main bank receives it, it will then directly query the other accounts' bank |
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Tara
 |
Depends on how the money was sent. If was done via CHAPS it should show same day if done by BACS it can take between 3-4 days to show up in the other account. |
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dkarlsenyh
|
I don't know the answer either, but I'd sure like to know. I do know that when you use a bank's electronic bill-pay system, for example my bank says to allow 5 business days. However, it always takes a minimum of 2 business days. Oh, and if the transaction is initiated after normal business hours, then it won't even start until the following day.
Thus, on this past Friday, Nov. 10th about 6:30pm I sent a payment electronically to my credit card company. Because Nov. 11th was Veterans day, the transaction didn't go out (evidently the computers got the day off too). Sunday nobody works either, including the computers. Monday, Nov. 13 the transaction was finally initiated from my bank. The payment was due at the credit card company on Tues., Nov. 14th. I strongly suspected the payment would not get posted on time. Therefore, I had to call the credit card company and initiate a second payment, this one originating from the credit card company and back to my bank.
Lesson learned: If you have to get a payment in TODAY, call or go online with the intended recipient and initiate the payment there. This way, you won't care how long it takes to wind it's way back to your bank account. Phone payments frequently are assessed a fee, whereas online with the recipient's website it's more commonly free. |
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thecatthatatethecream
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yeah the banks are earning billions by doing this, it should be stopped they are in effect stealing your interest! |
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