Bank transfers in Spain, like most countries, can be a bit confusing. Sometimes money shows up instantly, while other times you have to wait a full day or even longer. Spain operates within the Single Euro Payments Area (SEPA), setting common rules for banks across Europe. Under SEPA, transfers should arrive by the next business day after the recipient bank receives the funds. However, there are exceptions. If you’re transferring money between two accounts at the same bank, the transaction typically happens immediately. When transferring between different banks within Spain, the cut-off time of the sending bank matters. If it’s before the cut-off, money arrives the next business day. If it’s after the cut-off, it takes two business days. International SEPA transfers also follow these rules, with a maximum deadline of one business day. Transfers outside the European Union can take longer, usually two to seven days. For immediate needs, urgent or instant transfers are available, although they often come with fees. Remember, services like Bizum offer instant money transfers without charges.