In the case of a lack of available funds in your account, submitted SEPA transfers are not cleared, they enter so-called recycling (repeated attempts to execute the transfer order), which normally takes three bank business days, and this does not include the day of placing the transfer order into recycling. If you secure funds during the set number of days, the transfer order will be processed. If you fail to provide sufficient funds to execute a transfer order within the set period, it will automatically be discarded at the end of the recycling process and will need to be re-submitted. We recommend that you ensure a sufficient amount of funds on your account when entering a payment order (for the amount of the transfer, any transfer fees, while the minimum balance specifically set for individuals and for legal entities must be retained on your account), otherwise there will be a delay in making a payment or refusing a payment order, in addition for each recycling day you will be charged a fee in accordance with the VÚB Price List. In case your payment contains a constant symbol with priority, i.e. in relation to the state budget and other public budget components (classes 1 and 4) and in the relationship of banks to clients (class 9), they recycle 90 business days. Transfers with a currency conversion or sum in a foreign currency are not recycled.