The time for an electronic funds transfer to be completed, including the receipt of funds by the payee, depends on the type of EFT.  For example, some EFTs going through peer-to-peer networks can be completed immediately. ACH transactions in the U.S. are completed the same business day or the next business day. Domestic wire transfers can be completed within 24 hours in the U.S. International wire transfers can take three to five days.