How long does a SWIFT transaction take to process?

International transfers processed via the SWIFT network typically take 1 to 5 business days to complete. The duration depends on multiple factors that influence the movement and settlement of funds across borders.

Factors Influencing SWIFT Transfer Timelines

Factors	Description
Bank Processing Times	Each bank involved may have its own internal processing schedules and cut-off times.
Time Zone Differences	Transfers spanning multiple countries often face delays due to non-overlapping business hours.
Intermediary (Correspondent) Banks	Payments may route through one or more intermediary banks before reaching the final destination.
Compliance and Sanctions Screening	Transactions undergo checks for anti-money laundering (AML), Know Your Customer (KYC), and sanctions compliance.
Currency Conversion	Transfers involving less commonly traded currencies may require additional processing time.

You can refer to the exact timelines from here - Timelines and Cut-offs.