For an overseas transfer to Australia, Canada, Eurozone countries, Hong Kong, Singapore, UK and USA, the payee will receive the funds on the same day if the payment is sent before their respective cut-off time. If funds are transferred after the cut-off time, the payee's account will be credited on the next working day. For all other countries or if your transfer to the above countries wherein a non-local currency, the payment would be credited within 1-3 working days if sent before the cut-off time and 2-4 working days if sent after the cut-off time. Please check the cut-off time for various countries on our website. The 'Estimated Arrival' time is displayed to you on the transaction screen for full transparency.