How long does it take to process my pending transfer?

Question

How long does it take to process my incoming or outgoing transfer with a “Pending” status?

Answer

• SEPA transfer usually takes around 1-3 working days to process.
  ZEN does not yet support SEPA Instant transfers. They are posted in the same timeframe as standard SEPA transfers.
• SWIFT transfer usually takes 1-3 working days to process, but sometimes may take longer due to intermediary institutions taking part in the process.
• Transfers via PrivatMoney take around 15 minutes to process.
• Local transfers in PLN to your Local PLN account in ZEN with "PPABPLPK" displayed in "BIC/SWIFT" section of the ZEN app take around 1 working day to process, regardless if they are Standard, or Express transfers.
• Local transfers in PLN to your Local PLN account in ZEN with "BMPBPLPP" displayed in "BIC/SWIFT" section of the ZEN app take around 5–10 minutes, if you are waiting for an Express Elixir transfer, and around 1 working day if you are waiting for Standard Elixir transfer.
• Local transfers in PLN from your ZEN account to other polish banks usually take around 1 working day to process.
• Local GBP (Faster Payments) transfers are usually processed within a few minutes, up to 2 hours.
• Local transfers in RON (TRANSFOND) usually take around 1 working day to process.
• Transfers to cards (MasterCard Send, Visa Direct) are instant on ZEN side, but may take up to a few days to process on the recipient bank's side.
• ZEN Buddies transfers are instant.
• Digital currency transfer usually takes a few minutes to process, but sometimes may take longer, depending on the blockchain network.

Please note that some transfers may be manually verified by ZEN or the recipient's banks, which may prolong their processing time.

See other articles related to transfers in ZEN:

My transaction seems to be stopped

My transfer was returned to my account

My transfer didn't reach the recipient

Checking the status of an outgoing transfer