If you transfer from an account within a standard US bank to another account within the same bank, it can be same day sometimes, next day others. If you transf

If you transfer from an account within a standard US bank to another account within the same bank, it can be same day sometimes, next day others. If you transfer between US banks, it will take between 1 and 5 business days, depending on when you send it (noon EST is a common cutoff time to have it done overnight), whether you've sent to the account before (sending with ACH, the "normal" way, requires you to confirm ownership of both accounts, which takes around 2 days) and whether you pay for it (if you pay $15-$20 for a "wire transfer", it can be done same day). You can get around some of that (owning both accounts) by using a physical cheque (yes, they actually use those still in the US) but it can still take more than a day for the funds to be available, depending on the size of the transfer. There are a whole ton of transfer services like Venmo that work around this by not using the banking system but in the end you usually need to get the money into/out of the bank somehow and you're stuck using the old ways. Sending internationally is SWIFT, so mostly takes the same amount of time regardless of the bank you use or the country you're in (at least in my experience).