I'm expecting a payment – when will it arrive?

How quickly a payment reaches your Holvi account depends on the payment method used and when the sender made the transfer.

See also: 🔗 When will my SWIFT (international) transfer arrive?

Incoming payment types and processing times

SEPA transfers should generally arrive within 1 banking day of being processed by the sending bank.

What counts as a banking day?

• Business days: Monday–Friday, excluding public holidays
• Banking days: Days when banks process payments – these usually follow business days, but can differ depending on your bank

🔗 See our list of 2025 and 2026 non-banking days

My incoming payment is taking longer than expected — what should I do?

If you’re expecting a payment and it hasn’t arrived, here’s what you can do:

1. Confirm the payment was sent successfully

Ask the sender to double-check:

• That your IBAN was entered correctly
• If the payment was sent on a working day
• Whether the funds have actually left their account
• Whether the funds have been returned to their account

It’s also often a good idea for the sender to contact their bank to check for any processing delays.

2. Wait until the end of the next business day

Sometimes banks take slightly longer to process transfers. If it’s been less than 2 full business days, the payment may still be on the way. 

3. Request a payment confirmation

Ask the sender for a PDF or screenshot of the payment confirmation.

This should show:

• Payment date
• Amount
• Reference/message
• Recipient IBAN (your Holvi account)

This will help us trace the payment more efficiently.

4. Still no payment? Contact Holvi Support 

If it’s been more than 2 business days and you haven’t received the money, please contact our support team.

Please include the payment confirmation from the sender so we can investigate and help resolve the issue.

We’re here to help — and we’ll do our best to get things sorted quickly.