Or to put it another way, why is there a delay?
It's all electronic anyway, or rather, connections between servers… Why can't it be like sending email, i.e. immediately?
I'm not talking about instant bank transfers… but rather, why it's not like this in general? It's technically possible…
(2 votes)
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I have already explained it several times, so I only need to copy the answer:
Normal transfers are still being processed today by methods which are at the core several decades old and operate according to the principle of stack processing. Thus, orders are collected over a certain period of time and then—in certain time windows—are transmitted in stacks and offset.
Since, in addition, the transmission generally takes place not directly from the bank of the sender to the bank of the receiver, but usually via one or more billing points, corresponding delays occur.
As a fast alternative, for several years Real-time transfers available on a completely different technical platform, does not have the historical limitations of old systems and is expected to become standard in the foreseeable future.
A bank reserves the right to check the balance before making the transfer. Of course, a day of interest in the mass of transfers also makes sense.
Because you didn’t want to.
Did you think the banks want to make money with the charges for emergency transfers?
No, with the money that was transferred delayed.
How does that work? I mean, the amounts of money don’t change. If I send you 100€, it’s 100, whether now or later. Or what’s my mistake?