Why don't the transfers I make from my bank abroad always arrive on the same day? I schedule two transfers every month: on the 7th and the 18th. Most of the time, they arrive the next day, but sometimes they take two or three days. Why don't they always arrive at the same time? Thank you.

18 minutes ago, Mika78 said:

Why don't they always arrive at the same time? Thank you.

Weekends!

13 minutes ago, BritManToo said:

Weekends!

Not necessary.....last month the transfer started the same day. But last Friday arrived, yesterday not.

Weekends, holidays and Wise transfers vary sometimes due to liquidity issues etc 

25 minutes ago, scubascuba3 said:

Weekends, holidays and Wise transfers vary sometimes due to liquidity issues etc 

No holiday here or there, no weekends and I don't use wise.

25 minutes ago, Mika78 said:

No holiday here or there, no weekends and I don't use wise.

8th and 9th Nov Sat and Sun

7th Dec a Sunday

20th 21st Dec Sat and Sun

 

can you see potential issues?

 

ask your bank

24 minutes ago, scubascuba3 said:

 

 

24 minutes ago, scubascuba3 said:

 

20th 21st Dec Sat and Sun

 

can you see potential issues?

 

ask your bank

18 was before yesterday and normally money show up the day after (19- Friday): but not yesterday.

It doesn't a matter: just ask why it's never the same every month.

12 minutes ago, Mika78 said:

 

18 was before yesterday and normally money show up the day after (19- Friday): but not yesterday.

It doesn't a matter: just ask why it's never the same every month.

Time of day, ....

7 hours ago, Mika78 said:

It doesn't a matter: just ask why it's never the same every month.

With respect you would be better asking your bank that sends the money......

You have asked a number of what I would call very naive questions about transfers and the SWIFT system recently. Not sure what you are trying to understand as it can vary so much depending on time of day, bank, routing and various other factors.

Simplistically, if you haven't understood yet, there is no guarantee built into the system, so I would suggest you adapt to those vagaries.

18 hours ago, Mika78 said:

I don't use wise.

 

So who do you use? Or are yours SWIFT transfers?

 

11 hours ago, scubascuba3 said:

8th and 9th Nov Sat and Sun

7th Dec a Sunday

20th 21st Dec Sat and Sun

 

can you see potential issues?

 

ask your bank

Do the banks turn their computers OFF at weekends? 555

12 hours ago, Mika78 said:

No holiday here or there, no weekends and I don't use wise.

Then could I suggest you try WISE. Many years for me with faultless operations.

I know when the weekends or bank holidays are coming so I plan accordingly.

3 hours ago, Will Iam Not said:

Do the banks turn their computers OFF at weekends? 555

even computers have holiday

18 minutes ago, scubascuba3 said:

even computers have holiday

Is this the silly answer of the day/week?

On 12/20/2025 at 8:16 AM, gk10012001 said:

Time of day, ....

Was thinking the same.  

 

The OP states, "Why don't the transfers I make from my bank............."  This lead me to believe the OP was manually transferring the funds, and did not set up scheduled transfers with the bank.  

 

Of so, it could depend on what time of the day in Thailand the OP does the transfer, and the international time zones, particularly if an intermediary bank in a third country is involved.  

There is AML checks. So it might depend on the volume of transfers being done. Or sometimes transfers are flagged for a random check which could add the day(ish). 

I don't have any regular transfers but I do get swift transfers from tinder to time. 

Most times it takes 1-2 working days to arrive in my account. Once it took less than an hour to arrive, but a couple of months ago the transfer was lost somewhere on the way so after 1 week the sender cancelled the transfer at their end and wired the money again and it arrived a day later. 

So basically what I'm saying is that there are some variables we can't control not predict.

One of another one of life's mysteries.

 

Ask your bank.

On 12/20/2025 at 12:33 PM, Mika78 said:

I schedule two transfers every month: on the 7th and the 18th.

 

Change the schedule to 6th or 5th and 17th or 16th if arrival is crucial.

I don’t know which company you use or from where you are transferring but I transfer money every month from Australia using OFX money cannot be transferred on a weekend or on public holidays at either end.

Its no big deal just plan ahead.