I got a text message from the bank, but the money didn't arrive.

Transfer from China Merchants Bank Card to someone else's/his bank card. You fill in the payee's mobile phone number in the transfer interface, and China Merchants Bank will send a "transfer-out reminder message" to this number. This message is not a notification. Whether the funds have arrived in the account is subject to the result of the payee's inquiry in the receiving bank system.

If China Merchants Bank transfers money, the transfer time of online banking/mobile banking remittance: peer transfer: whether in the same city or in different places, it is transferred to personal account and company account, and the account name is recorded in real time. If it is not completely consistent, the correspondent bank accountant will record or return it within 1 working day. Inter-bank transfer: There are three transfer methods, common, fast and real-time. The arrival time is different: 1, the normal mode is 1-2 working days, and the arrival time depends on the system processing of the opposite bank; 2. Fast mode: the bank proposes in real time that the arrival time depends on the system processing of the other bank; 3. Real-time mode: under normal circumstances, the account is received in real time. 4. Transfer mode of "proposing the next day", in which inter-bank transfer is proposed at 0: 00 the next day in normal mode, and it is expected to arrive in 1-2 working days.