How Long Does a Manual Deposit take to arrive / match?

When a customer completes a manual bank transfer using the correct reference and amount, Ivy automatically matches the funds as soon as they are received. In most cases, this happens within minutes of the funds landing in our system.

🕒 What Affects the Timing?

Matching speed depends primarily on how quickly the payment reaches us, which is determined by:

1. The Selected Payment Scheme

The time it takes for a payment to arrive is driven by the scheme the customer selects when sending the transfer:

If the customer uses a real-time scheme like SEPA Instant or FPS, the deposit typically arrives almost immediately, and matching follows within minutes.

Understanding Payment Status: A payment showing as "processing" means it has not yet been initiated by the sending bank. Once a SEPA Instant payment reaches "authorised" status, it typically settles within seconds, though the sending bank may still delay it due to compliance holds or internal reviews.

2. Delays Due to Bank Screening

Even if the customer selects an instant-capable scheme, their sending bank may delay payment execution due to compliance checks or other internal reviews. This is outside of Ivy’s control.

⚠ A confirmation in the user’s banking app does not guarantee payment execution.
✅ Only a formal confirmation from the bank that the payment has left the account is definitive.

✅ Once the Funds Arrive

As soon as Ivy receives the payment and all details match (reference, amount, etc.), matching occurs immediately — provided the payment session is still valid.

If the order has expired or key data is missing, the payment may land in Unmatched Deposits or be automatically returned.