How long does it take for the postal bank to transfer money to the account?

1. Transfers between different accounts within the Postal Savings Bank can be received in real time, and the longest time is no more than two hours.

Inter-bank transfer business of less than 22,000 yuan goes through the micropayment system of the People's Bank of China, and all accounts are received in real time within 2 hours, and the longest time is no more than 2 hours.

3. Inter-bank transfer business with an amount of more than 20,000 yuan (including 20,000 yuan) will go through the large-value payment system of the People's Bank of China, and it will be received within one to three working days, and the non-working days will be postponed to working days to handle the business.

4. For the inter-bank transfer business, it is necessary to ensure that the payee's account name, account number and bank are correct, so that the account can be received smoothly. If one or more of the three elements is wrong, the funds will still be transferred out because the transfer-out bank system does not recognize the relevant elements of other banks, but the funds cannot be recorded smoothly after being transferred to the receiving bank, so it must be returned by the original way, so it is necessary to be cautious.

Why is the postal transfer so slow?

1. When handling the transfer business at the Postal Savings Bank, the slow transfer may be due to the inter-bank transfer, which did not arrive in real time.

Postal savings bank, online banking, mobile banking and other electronic channel counters have three transfer methods: real-time, ordinary, T+ 1. In the "real-time" mode, the Postal Savings Bank initiates remittance in real time; In the "normal" mode, the postal savings bank initiates remittance 2 hours after accepting it; "T+ 1" mode, the Postal Savings Bank initiated remittance after the early morning of the next day.

2. Therefore, if the inter-bank remittance is handled by "ordinary" or "T+ 1", the Postal Savings Bank itself will not remit money immediately, and the specific time of receipt depends on the handling of the People's Bank of China and the receiving bank, so the transfer speed may be slow and it will take some time.

So, just wait patiently. Postal savings banks usually send text messages to customers after the money arrives. If there is an error in the transfer, the customer will be reminded in time.