If I make a payment through the app how long does it take to reach the recipient?

When transferring money to a different bank, or to another person's Co-operative Bank or smile account, the money is processed via the faster payments service and should normally reach the payee's account immediately.

But there are a few exceptions where it may take a little longer, including:

• If your payment is subject to further checks
• You’re paying a Co-operative Bank or smile account with a reference (should arrive the next business day) - for an immediate payment leave the reference blank
• You’re paying a Co-operative Bank or smile credit card or charge card (your own or someone else's)

Please allow 2 working days for the credit card payment to be processed.

Please note - charges and interest will be payable if you miss your card payment due date in accordance with your terms and conditions. Interest will be charged on all transactions shown on your statement, calculated from the date each transaction was added to your account until full payment is made and credited to your account. This will happen even if you had paid your previous statement balance in full and on time.