Why does the inter bank transfer of public to private checks not arrive in three days?

Updated on Financial 2024-03-27
12 answers
  1. Anonymous users2024-02-07

    It may not be a working day, or there may be a mistake in filling in the information. It is recommended to call ** to the bank for consultation.

    Interbank transfer checks should arrive within two hours. It won't take more than 3 days.

    If it doesn't arrive, it should be that the money hasn't been paid.

    1. Bank withdrawals are basically instantaneous, if the withdrawal is successful, then the other party will receive the account, if the other party does not receive the money, it may be that the payee's account information is filled in incorrectly, you can go to the withdrawal details to inquire;

    2. If the withdrawal is an inter-bank withdrawal, it will generally arrive within 2-3 working days, so even if the withdrawal is successful, the other party may not receive the money, and it will take a certain amount of time to do so, which is normal and needs to continue to wait;

    This is not normal. If the amount of money you send is large, some banks will not process the transfer at any time. At this time, the remitter needs to contact and communicate with the bank business personnel for landing processing.

    Transfers from corporate accounts to private accounts are divided into intra-bank transfers and inter-bank transfers

    1. Intra-bank transfer: The other party can receive the money after successful submission, and it will arrive immediately without time difference.

    2. Inter-bank transfer: Inter-bank transfer is divided into real-time inter-bank arrival and ordinary inter-bank transfer.

    3. Real-time transfer: After the submission is successful, the other party can receive the money, and there is no time difference to arrive immediately.

    4. Ordinary transfer: After submission, the payee will not receive the money immediately, and will usually receive it within 2-3 working days.

    Public-to-private transfers are relatively stricter. Because every transaction that occurs in the corporate account needs to be processed on the account. However, if the prescribed procedures are followed and the purpose is reasonable, the transfer can be made from public to private.

    The so-called reasonableness is the expenditure of funds such as salaries, loans, or reimbursements.

    All banks do not process interbank remittances on non-working days, so wait until Monday. Inter-bank transfer is through the People's Bank of China's inter-bank payment system, divided into large (more than 50,000) and small (less than 50,000), large and small amount of expedited is real-time, as long as the remitting bank sends a remittance message, the receiving bank can receive it immediately, if the receiving bank is automatically processed, you can immediately enter the other party's account, if it is manually processed, it is generally entered on the same day, most banks are automatically processed. Although small amounts are not real-time, they are generally credited on the same day.

    1. The inter-bank transfer check in the same city can generally be received in 1-2 working days, and the exact time cannot be given accurately due to manual operation.

    2. Now most companies have opened online banking, and you can operate online before transferring and remitting, so that the time to arrive will be faster, and there are fewer and fewer checks.

    3. Many companies do not accept checks in their corporate accounts, so it is recommended to consult the company's financial staff when the customer gives the check to avoid trouble.

  2. Anonymous users2024-02-06

    Interbank transfer checks should arrive within two hours. It won't take more than 3 days.

    If it doesn't arrive, it should be that the money hasn't been paid.

    1. Bank withdrawals are basically instantaneous, if the withdrawal is successful, then the other party will receive the account, if the other party does not receive the money, it may be that the payee's account information is filled in incorrectly, you can go to the withdrawal details to inquire;

    2. If the withdrawal is inter-bank withdrawal.

    Generally, it will arrive within 2-3 working days, so even if the withdrawal is successful, the other party may not receive the money, and it will take a certain amount of time to do so, which is normal and needs to continue to wait;

  3. Anonymous users2024-02-05

    The processing time of corporate transfer may be different for different banks, in the case of Ping An Bank, under normal circumstances, the processing time of our bank's online banking transfer is:

    1. Intra-bank transfer: support 7 24 hours, real-time arrival;

    2. Inter-bank transfer: If the status is successful, it means that the funds have arrived at the receiving bank, and the arrival time varies according to the receiving bank's entry mechanism. Generally speaking, intra-city inter-bank transfers usually arrive within 1 working day, and inter-bank transfers in different places usually arrive within 1-3 working days, depending on the actual crediting time of the beneficiary bank.

  4. Anonymous users2024-02-04

    Seven months?? Are you there now?

  5. Anonymous users2024-02-03

    Pls has your money arrived. It took a few months.

  6. Anonymous users2024-02-02

    Inter-bank transactions generally take one to three working days to arrive because they need to be processed through the counters of both banks. If it's within this time, you can choose to wait for a while. In this case, the amount to be transferred will definitely arrive before the specified time.

  7. Anonymous users2024-02-01

    This situation is very common, and now you need to ask the People's Bank of China whether it has made a loan.

  8. Anonymous users2024-01-31

    The reasons for the non-payment of public to private account 1, the private information is incorrect, and the name is inconsistent 2, the payment exceeds the limit 3, and the transfer method may be wrong; 4. There may be postponements on weekends and holidays, etc., you can consult the bank when you can't get the account, and then choose the appropriate time and amount for transfer.

    1. Classification of the company's accounts: The company's accounts are generally divided into basic deposit accounts, general deposit accounts, special deposit accounts, and temporary deposit accounts; Depositors of corporate bank settlement accounts can only open one basic deposit account with the bank. The basic deposit account is a bank settlement account that the depositor needs to open for daily transfer settlement and cash receipt and payment.

    1. The general deposit account is a bank settlement account opened by the depositor in a bank business institution other than the bank where the basic deposit account is opened for borrowing or other settlement needs. This account can be used for cash deposits, but not cash withdrawals. The general tax audit starts with the basic account.

    2. The special deposit account is a bank settlement account opened by the depositor for special management and use of its funds for specific purposes in accordance with laws, administrative regulations and rules; A temporary deposit account is a bank settlement account opened by a depositor for temporary needs and use within a specified period.

    2. How long does it take for the public account to be transferred to the private account?

    The time for the transfer of funds from a corporate account to a personal account depends on the specific situation and is as follows:

    1. For ordinary transfers, if the remittance is handled between 9 a.m. and 4 p.m., it will arrive in real time, and it will arrive in real time under normal circumstances. After 4 p.m., the remittance will be sent to the bank in real time, and the time when the remittance arrives at the account will be processed by the teller, so it will arrive the next day.

    2. For inter-bank transfer (non-urgent business), due to the fund clearing procedures of both banks, it is temporarily impossible to provide an accurate arrival time, please refer to the payee's account entry time. It usually arrives within 24 hours. If it's a weekend or holiday, there may be a delay in receiving your account.

    3. Inter-bank transfer (urgent business) will arrive in real time under normal circumstances.

  9. Anonymous users2024-01-30

    Legal analysis: Transfers to personal accounts can be made on the same day at the earliest, and within three working days at the latest. If it is an intra-bank transfer, the beneficiary will receive the transfer after the submission is successful.

    If it is an inter-bank transfer, the beneficiary will receive the money after submitting the real-time transfer. In the case of a normal transfer, the recipient will not receive the money immediately after submission, and will usually receive the money within 2 to 3 business days.

    Legal basis: Article 25 of the Administrative Measures for the Qingheng of RMB Bank Settlement Accounts: If a bank opens a general deposit account, a special deposit account and a temporary deposit account for a depositor, it shall notify the bank opening the basic deposit account in writing within three working days from the date of opening the account.

  10. Anonymous users2024-01-29

    Here's why:

    1. Inter-bank transfer: If the two banks of the transfer are inconsistent, it needs to be carried out through inter-bank transfer, which may affect the arrival time. Interbank transfers need to be cleared and cleared by multiple banks, so they usually take longer to arrive.

    2. Holidays: If the transfer time happens to be a weekend or holiday, the bank may delay the arrival time. Because banks usually do not settle and clear on non-business days, transfers need to wait until business days to process key delays.

    3. Transfer amount: If the transfer amount is large, the bank may need to conduct more stringent review and operation, which may lead to a longer time to arrive.

    Processing times can also vary from bank to bank, and some banks may take longer to complete the transfer.

  11. Anonymous users2024-01-28

    The transfer of cheques to personal accounts can be received on the same day at the earliest, and within 3 working days at the latest. In the case of an intra-bank transfer, the recipient will receive the money after the submission is successful. If it is an inter-bank transfer, the beneficiary can receive the money after submitting the real-time transfer.

    In the case of ordinary transfers, the recipient will not receive the money immediately after submission, and will usually receive the money within 2-3 business days.

    There are the following considerations when filling out the transfer check:

    1. The date of the transfer needs to be capitalized, that is, one two three Wu Lu Qi Jiu picks up zero;

    2. The amount should be divided into uppercase and lowercase, the uppercase amount needs to be consistent, the uppercase amount should be written on the horizontal line, and the lowercase amount should be written in the square;

    3. The lower left side of the check needs to be stamped;

    4. Cheques can be handwritten or machine-typed.

    If the payee does not receive the money normally, it may be that the payee's account information is filled in incorrectly, and you can check it in the details. If the information is filled in correctly, but it does not arrive within the normal time, you can try to contact the bank's customer service to solve the problem.

  12. Anonymous users2024-01-27

    Legal Analysis: Transfer cheques, valid for 10 days, one day from the beginning to the end. Holidays are postponed, Saturdays and Sundays are not postponed, and statutory holidays are postponed means that only when the tenth day of the Tenth Altar Song Day happens to be a statutory holiday, it will be postponed by one day after the holiday!

    Legal basis: Article 85 of the Cheque Law must record the following items in the check

    1) The words "check let Zheng" be indicated;

    2) Entrustment of unconditional payment;

    c) the amount determined;

    4) the name of the payer;

    5) the date of ticket issuance;

    6) the signature of the drawer;

    7) The non-local check must be recorded in the lower right corner of the face of the banking institution**, and the same city must be 6 digits.

    Where one of the items specified in the preceding paragraph is not recorded on the check, the check has no effect.

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