My transfer from ZEN didn't reach the recipient

Issue

What can I do if my transfer does not reach the recipient? What should I do if my transfer has returned to my account?

Answer

If the transfer you sent from ZEN did not reach the recipient, here are some reasons why this may have happened:

A stopped or returned transfer should be returned to your account within 5 business days. Please note that this time may be extended due to intermediary institutions processing the payment before it reaches us.

See also: What is a SWIFT and SEPA transfer, and how long do they take?, My SEPA/SWIFT transfer didn't arrive to ZEN

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