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PERSONALBUSINESSVBCE Online is for recurring electronic transactions only. (Min 4 transactions per year). For cash or precious metal purchases, please visit us at one of ourlocations.
Transfer times, from start to finish are dependent on the method of funding incoming to VBCE and the method of outgoing payment to your selected payee.
Please refer to the chart and match your method of incoming payment with the method of outgoing payment for approximate transaction times. For descriptions of the funding and payment methods, please refer to Funding Methods and Payment Methods section.
Transfer times are reliant on bank processing times, which is why we can only provide a range.
*Start to finish refers to the moment you have booked your transaction online, to when your selected payee has received the purchased currency.
| Your Incoming Payment to VBCE | Our outgoing payment to you | APPROX. TIME to completion | |
|---|---|---|---|
| Pre-authorized debit (PAD)** | Electronic Funds Transfer (EFT) | 1-3 days*** | |
| Pre-authorized debit (PAD) | Int'l Transfer (SWIFT) | 1-3 days | |
| Pre-authorized debit (PAD) | ACH | 1-3 days | |
| Bill Payment | Electronic Funds Transfer (EFT) | 2-4 days | |
| Bill Payment | Int'l Transfer (SWIFT) | 2-5 days | |
| Bill Payment | ACH | 2-4 days | |
| Wire Transfer (SWIFT) | Electronic Funds Transfer (EFT) | 2-4 days | |
| Wire Transfer (SWIFT) | Int'l Transfer (SWIFT) | 1-5 days | |
| Wire Transfer (SWIFT) | ACH | 1-5 days |
*Pre-authorized debit is offered at the discretion of VBCE's compliance managers, and you may be subject to transaction limits. Depending on your level of approval, you may also be subject to longer transfer times than what is indicated on the chart.
*Days refers to business days