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Service: How long payment transfers take

All national and international SEPA transfers are completed within one banking day, in accordance with the agreement. However, due to the opening times of the participating institutions, sometimes one banking day may stretch to two working days.

With MoneyBeam, you can transfer money to other N26 customers instantly and with CASH26, you can withdraw or deposit cash into your account in real-time. Both transfers need to be confirmed via push message in the app.

Card transactions are immediately visible in the app. Sometimes the final amount debited can differ from the original transaction amount for a few reasons:

  • Even if you've successfully completed a payment, it can happen that the retailer only debits the amount several days later.
  • If the retailer has initially booked a higher amount from your account (for example, due to a security deposits), the difference will be credited to your account.
  • After you've received notification of a refund, it may take a further banking day for the amount to actually be credited to your account.
  • For transactions made in foreign currencies, changes in the exchange rate may result in slight differences between the authorized amount and the final amount debited.
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