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Delivery Times & Tracking

Regardless of how you choose to send your funds to us, they are subject to the standard bank clearance times. Most currencies take 1 business day and depends on the time of day you arrange payment to us.

For GBP transfers made via Debit Card or bank transfer before the close of business day, they’ll arrive in our account the next business day. If you transfer your funds to us after the close, we’ll receive them in 2 business days. On Fridays, any funds transferred to us will be received the following Monday.

For a full list of delivery times click here.


OFX is a global company and we receive and make payments all day. Depending on the currency, we will make payments during its local business hours.

What’s a maturity date you ask? It’s the date we’ll transfer the funds to your recipient’s account. Once you’ve sent your funds to us and your transfer is marked as “Received” online, you’ll be able to see the maturity date on your transfer.

Clearance times depend on the currency, location of your recipient’s account and the banks used, but you’ll be notified as soon as your transfer is complete.

Generally, no time at all.

Since we have a global network of bank accounts, making a transfer with us is not only secure, but also very fast.
As soon as you send us your funds, we’ll convert and transfer them to your recipient.

The time it takes for us to transfer the funds to your recipient depends on the country, but in most cases it takes 1-2 business days.

How does it work? 

  • Once your funds have cleared in our account and we’ve converted them to your desired currency, the funds will be available for onward payment into the recipient’s bank account. 
  • Provided all funds are received before the cut-off times noted below, we’ll usually start processing the conversion and your payment instructions on the same day.   
  • The cut-off time that is applicable to your transfer will vary, depending upon what currency you are converting to. 

Please see below the cut off times per currency:

Currency you are converting your funds to: Cut off time to receive cleared funds for same day/ next day transfer processing [on a business day* (GMT)]
Euro (EUR): 2.00pm
Sterling (GBP): 3.00pm
Danish Krone (DKK), Polish zloty (PLN), Swedish Krona (SEK): 12.00pm
US dollar (USD), Canadian dollar (CAD), UAE dirham (AED), Australian dollar (AUD), Swiss francs (CHF), Singapore dollar (SGD), Japanese yen (JPY), Hong Kong Dollar (HKD), Mexican Pesos (MXN), New Zealand dollar (NZD), Papua New Guinea Kine (PGK), Thai Baht (THB), South African rand (ZAR):  5.00pm the previous business day

The time your funds will take to reach the recipient’s bank account will depend on a number of factors, notably;
- The currency the payment is being made in
- Where you are sending the money to i.e. where the recipient’s account is located

Type of payment:  (How long it takes after we process your payment instruction)
Payment in sterling to a bank account in the UK:

Usually same day

Payments in sterling to an account in the European Economic Area (‘EEA’): By the end of the next business day
Payments in euros to account in the UK or the EEA: By the end of the next business day.
All other payments in EEA currencies to accounts in the EE:

No later than four business days 

Payments to accounts outside the EEA or payments in non-EEA currencies: 

If this is the local currency of the country it is being sent to, then it is usually 24 hours. Otherwise, this can vary. When booking in your deal, you can ask the customer service agent, when the funds will be expected to arrive in the recipient’s bank and we can offer an estimate. 


Depending upon your recipient’s country, it generally takes 1-4 business days to complete the entire process of receiving your funds and sending them to your recipient. 

* a business day is a day, other than a Saturday, Sunday or public holiday, on which banks are open for business in London and will not include any public holidays in the country of the recipient’s account.

Our currency converter can provide you with approximate delivery times based on your recipient’s country. Also, below you’ll find a list of standard delivery times for our most popular countries 

Time it takes for OFX to receive funds from you:

From Time
Australia (AUD) 1 day
Canada (CAD) 1-2 days
Europe (EUR) 1-2 days
Hong Kong (HKD) 1 day
Japan (JPY) 1-2 days
New Zealand (NZD) 1 day
Singapore (SGD) 1 day
USA (USD) 1-2 days
UK (GBP) 1 day

Time it takes for the funds to reach your recipient

From Time
Australia (AUD) 1 day
Canada (CAD) 1-2 days
Europe (EUR) 1-2 days
Hong Kong (HKD) 1-2 days
India (INR) 2 days
Japan (JPY) 1-2 days
New Zealand (NZD) 1 day
Singapore (SGD) 1 day
Thailand (THB) 4 days
USA (USD) 1 day
UK (GBP) 1 day

Money transfers are easy, fast, and reliable ways to send money both domestically and internationally. Payments to major markets can usually be made within 1-2 business days from the time OFX receives your funds. Less popular currencies may take slightly longer: approximately 3-5 business days.


When compared to using your bank, your online payments may take less time when you use OFX, because we harness the power of local banking networks to expedite your payments.

To make international online payments:

  1. Create a free account with OFX.

  2. Log in to check live exchange rates and lock in a rate for your transfer.

  3. Collect and submit your banking details and those of your recipient

  4. Finalise your transaction and track it with the OFX mobile app.


Improve the speed of your online payments

The time it takes to process a money transfer will depend upon a few factors.

  1. Are you trying to transfer money during bank holidays and/or weekends?

  2. Which currencies you are transferring?

  3. Have you submitted accurate banking details for yourself and your recipient?

  4. Have you requested an RTGS (real time gross settlement) expedited payment?


Make simple and fast online payments with OFX

When you need to submit an online payment by a deadline, you can rest assured that OFX will get your transfer through as quickly as possible, while maintaining the security of your money from start to finish. Because we work in more than 190 countries and 55 different currencies, our transfer process is efficient and reliable.

A bank to bank transfer is a reliable and safe way to send money, but how long does it take for a bank to bank transfer to go through? The length of time required to transfer your money will depend upon factors that include:


  • Bank holidays

  • Weekends

  • The currencies that are involved in the transaction

  • The payment method that you use

  • Whether it’s a domestic or international transfer

  • The company you choose to make your money transfer


Typically, an international bank to bank transfer could take anywhere from 2-5 business days with most banks.


Ready to make a transfer now? Register here

How long does a bank to bank transfer take with OFX?

Our global network of banks allows us to transfer money overseas securely and quickly, so if you’re sending from Australia to the U.S., we can often offer same day delivery.* Most other major currency transfers may arrive within 1-2 days (from the time OFX receives your funds).


While banks require that you submit your money transfer orders during their business hours, OFX operates 24 hours a day, 7 days a week.


Here’s how it works:


  1. You register with us and use our online form to submit your recipient’s details.

  2. Once we receive the funds from your bank (this usually takes half a business day), we’ll transfer the funds to your recipient using our local bank account in your recipient’s home country, which helps to expedite your transfer. (This system also means your recipient is less likely to have to pay a fee to receive a foreign transfer.)

  3. Depending upon your recipient’s country, it generally takes 1-4 business days to complete the entire process of receiving your funds and sending them to your recipient. 

Stay on top of your bank to bank transfer from start to finish

We know how important it is to keep track of where your money is and when it arrives at its destination. That’s why you can log in to track the status of your transfer or use our mobile app to keep an eye on your money, and if you have any questions, we’re just a phone call away.


On top of that, we’ll send you emails or SMS throughout the transfer process to let you know when we’ve received your funds and when your funds have been sent to your recipient’s account.


With OFX, you won’t be left guessing if your money was transferred correctly, and you can rest easy knowing that you’re using a secure and speedy system whose focus is getting your money to its destination in the shortest amount of time possible.   


*Delivery times are indicative and measured in business days from the time your funds are received by OFX.

Keeping track of your past transfers is easy. Simply login to your OFX account and select the “Deals & Orders” tab. All your transfer history information is available under “Settled Deals” including recipient details, exchange rates and maturity dates.

This is easy. We will send you notifications along the way when we receive and pay your transfer. 

These updates can be sent via e-mail or SMS. Simply login and go to "Your Profile" tab and under "Your Preferences" you can select how you would like us to contact you.

You can also track the status of your transfer by clicking on the “Deals and Orders”.

Your “Funds Received” notification will let you know when we’ve received the funds from your bank, and your “Funds Paid” notification says when we’ve sent the funds to your recipient’s bank account.