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How long does it take to transfer money?

Hoelang duurt het overmaken van geld?

When transferring or expecting a payment, it is always good to know when exactly the amount will be credited to the relevant account. The time it takes to process a payment is explained below. The processing times stated only apply to working days. Transfers submitted at weekends of on holiday usually take longer to process.

Transfers between ABN AMRO accounts

Time of debit

  • Usually immediately.
  • Even on a holiday or at weekends.

Time of credit?

  • Usually immediately.
  • Even on a holiday or at weekends.

Transfers between accounts held at different Dutch banks

Time of debit

  • Usually immediately.
  • Even on a holiday or at weekends.

Time of credit

  • Immediately, if this is supported by the recipient bank's payment system.
  • Otherwise, within 1 working day.

International transfers to a SEPA country

Time of debit

  • Usually immediately.
  • Even on a holiday or at weekends.

Time of credit

  • Immediately, if this is supported by the recipient bank's payment system.
  • Otherwise, within 1 working day.

International transfers to a non-SEPA country

Time of debit

  • Always the next working day.

Time of credit

  • Within 2 working days to the recipient bank's account

Urgent transfers between accounts held at different banks

Time of debit

  • The same day at 9am if transferred before 7am.
  • Immediately if transferred after 7am.
  • The following working day if transferred on a holiday or at weekends.

Time of credit

  • The same day if transferred before 4.30 pm.
  • The following working day if transferred after 4.30 pm or at weekends or on a holiday.

International urgent transfers

Time of debit

  • Always the next working day.

Time of credit

  • The next working day to the recipient bank's account.

Frequently asked questions

  • How long does it take the 'recipient bank' to process a transfer?

    The recipient bank is the beneficiary's bank outside the Netherlands. It is this bank that determines when the received amount will be credited to the destination account. Typically, this is the same day that the amount is received, but sometimes it can take longer. Transfers from a euro to a non-euro account and vice versa usually take longer to process because the exchange rate needs to be calculated.

  • How long does it take for a transfer from a foreign account to be credited to my account?

    • From a SEPA country: immediately, even at weekends.
    • From a non-SEPA country:
      - The same working day if received by ABN AMRO before 4.30pm. Otherwise, the next day.
      - The next working day if received by ABN AMRO after 4.30pm or at weekends.

  • Why has the transferred amount not yet been credited to the destination account?

    There are various possible reasons for this:
    • Your account balance is insufficient. Check your account balance before making a transfer and check regularly whether there are any rejected payments.
    • You have entered an incorrect account number (IBAN) and someone who is not the intended recipient will receive the amount. If you do not know who the account holder is, you can ask ABN AMRO to contact him or her for you. We will then ask the account holder to transfer the amount back to you. If he or she does not do this, we can give you the account holder’s details so that you can contact them yourself. 
    • There has been a system failure at ABN AMRO or elsewhere. This may delay the processing of your transfer.
    • Someone has used your account details fraudulently. See how you can identify fraud and report fraud to us.

  • How long will it take to process a transfer submitted using a transfer form or acceptgiro?

    Transfers submitted using printed acceptgiros or transfer forms take one working day longer to process than payments submitted using Internet Banking or the Mobile Banking app. Processing starts the moment we have received your payment order, not upon you sending the envelope.

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