If you have accidentally sent money to a closed account, then you will probably be eager to get that money back as soon as possible. The limits on the amount of cash that you can transfer to another account are very high, so you could be out of pocket a lot of money if the account has been closed, and you had not realized. So, it is understandable that you will want to know when that money will come back to you.  While, lots of outgoing payments will be taken from your account and delivered to the payee almost immediately. As you already know, a lot of time when payments are coming back to you, there will be a delay. There is no solid explanation as to why this happens, but it is generally assumed that it is due to the necessary admin to reroute payments.  Due to this, money does not immediately ‘bounce back’ into your account when you send it to an account that has been closed. Instead, it will take at least a couple of days for the money to re-enter your account. It will usually take between 1-10 working days for the money to bounce back into your account once it has been sent to an account that has closed.