If I make a payment through the app how long does it take to reach the recipient?
If you’re transferring money between your accounts, it’s immediate. If not, it will reach your recipient in 2-24 hours.
If you transfer funds to a different bank, or to a different recipient, these are processed via the Faster Payments service and in most cases will reach the recipient within 2 hours.
Payments to your credit card account or payments to another person with a Co-operative Bank/smile account can take up to one working day.