A transfer may be pending, delayed, or unsuccessful due to one of the following reasons:

• Awaiting approval: Only Operators with Authoriser access can approve transfers. If dual-control authorisation is enabled, the Operator who initiates the transfer cannot approve it.
• Processing timelines: Transfers submitted after cut-off times, on weekends, or public holidays may be processed on the next working day.
• Insufficient balance or account restrictions: The transfer may fail if there are insufficient funds or temporary limits on the account, of if recipient bank rejects/returns transfers because of their own checks.
• Incorrect beneficiary details: Errors or missing information may cause the receiving bank to reject the transfer.
• Additional checks: Some transfers may be temporarily held for further checks by the Bank.

If the transfer remains pending beyond the expected processing time, please contact support for assistance.