> ## Knowledge Base Index
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> Use this file to discover available pages before exploring further.
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# When will the beneficiary receive the transfer?

**Standard transfers**

Transfer execution time depends on the time of signature:

* SEPA transfers confirmed **before** 9:00 are executed on the same business day.
* SEPA transfers confirmed **after** 9:00 are executed on the next business day.

Once executed, it can take up to 3 business days before the beneficiary receives the money on their bank statement.

**Instant Payments**

Instant transfers will be executed within 10 seconds.

If you choose to use your Spendesk Wallet to reimburse your employees, check if you have enough funds to cover the transfer. [If not, add funds to your Wallet.](http://helpcenter.spendesk.com/en/articles/4031867-add-funds-to-your-wallet)

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