As a general rule of thumb, a balance transfer takes one to two business days to complete. However, depending on the issuer and the individual cardholder, the process can take several weeks. While you’re waiting for the transfer to complete, it’s of utmost importance to continue making minimum monthly payments. Otherwise, you’ll be hit with high late payment fees that will only increase your debts. Continue making payments until your account indicates that the transfer is complete. If the transfer is taking longer than usual, you can always contact the bank to see what is happening.