This actually depends on your bank and your account. For a transfer initiated with the correct reference number, immediately processed by the sending bank, transactions can be completed within minutes. Most transactions complete within 20 minutes. A small number can take over an hour and up to 12 hours. Beyond that is not normal, and only happens if there is some missing information, incorrect information, a technical error.
How long does it take for an e-Transfer to get credited to my MuchBetter account
