If you are transferring funds to an international account, your account will be debited the same day and Bank of America will send the payment out immediately. The beneficiary's bank will generally receive the funds 1 to 2 days later. The funds will usually be credited to the beneficiary within 2 days. However, there are a number of factors which could delay the credit to the beneficiary. These include, but are not limited to: local bank holidays, delays by an intermediary bank or other local conditions. Note, too, that some countries have been designated as slow-to-pay countries. Transfers made to or from a slow-to-pay country may experience delays in crediting the beneficiary's account.