Hello
I have a question about bank transfers. If I make a real-time transfer to another account, the transaction should be processed within a few minutes, or even the next morning.
Am I correct in my assessment?
(1 votes)
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Hello, as you've probably already read, my question is how and whether real-time transfers can be made without online banking. To be precise, the question concerns Commerzbank. I'm asking on behalf of an elderly person who unfortunately doesn't have online banking. Is it possible to make the transfer at the self-service terminals that are usually…
For real-time payment, the transaction normally does not take 20 seconds. However, this depends on whether both banks actively participate in the real-time payment system and the system also works. There have always been problems in the recent past. Otherwise about 20 seconds 24/7.
Gruss
Would you have to be displayed at the transfer?
Would you have to see if it’s possible or not?
Only if a bank does not participate, then the button is inactive or not visible. If a payment in the second just does not work You’re just going after that, at least after my previous experience. Gruss
A real-time transfer usually arrives at the recipient within a maximum of 20 seconds, a conventional transfer on the following business day (with certain exceptions).
What are these exceptions?
For example, orders in paper form or orders received too late (after the daily closing period) or on a non-business day.
See also https://www.bafin.de/dok/7864406
As far as I know on the same day, within Germany, of course only if you don’t transfer real time immediately shortly before closing the bank workday, but costs supplement at least at my bank..
Yeah, you’re right. In real time, your transfer should be on the other account within minutes (if not immediately) – within business hours of course.
If both banks offer real-time transfers, the money is there within a few seconds.
OneReal-time transfer takesjust a few seconds!
After a maximum of 20 seconds, a confirmation is obtained that the money has entered the recipient account.