How long How long does it take for a deposit to be received? Check it out!

If there's one thing that still causes some confusion for everyone, it's bank deposits. With different rules, deadlines, and different ways to make them, it's often unclear how long it takes for a deposit to reach an account.

Because of this, we've decided to gather everything you need to know about bank deposits and the timeframes for your money to arrive in your account, or so you can see how long it takes for that deposit you made to arrive in the account where it should receive it.

Follow our article and see all the information about how long it takes for the deposit to reach your account.

How long does it take for the deposit money to arrive?

Let's get straight to the main question: how long does it take for the money to clear in your account? The answer is that it depends on several factors related to the type of deposit and the transaction made.

It is also important to remember that, for banks, business days are always counted, that is, weekends (Saturday and Sunday) and holidays (national, state or municipal) are not considered in the deadlines for bank compensation of deposited amounts.

That's why we've outlined the ways you can make a bank deposit so you know how long you have to wait for the money to reach your account. Check it out!

Deposited at the service counter (cash desk)

The first way to deposit money into an account is at the service counter, where an attendant will handle the process for you. Known as "boca de caixa," this process requires you to stand in line and be served.

If you deposited your money directly at the counter, you have the following timeframes for it to be credited to your account:

• Deposits made in cash: If you made the deposit in cash, the amount will immediately be credited to the bank account where it was deposited.
• Check deposit: If you make the deposit by check at the counter, the time for bank clearance will be two to three business days, assuming everything is in order with the check.

Deposited at the ATM

ATMs, or self-service terminals, are a way to streamline various banking processes without the need for customers to queue. And deposits can be made through them.

Known as a deposit made using an envelope, which is inserted into the machine and generates a receipt, depositing at an ATM is safe and makes everyone's daily lives easier.

If you make an ATM deposit, the time it takes for the money to reach your account will be different.

• Cash deposit: If you deposit cash at an ATM before 4 p.m., the funds will be deposited into your account the same day. If you deposit after this time, it will take up to one business day for the funds to be deposited into your account.
• Check deposit: If you deposit in an envelope with a check, you have up to 3 business days to receive your money if it's made before 4 p.m. If it's made after this period, add one day to the waiting period, giving you a maximum of 4 business days.

International Deposits

International deposits follow different rules, as several factors are required for the funds to arrive. In general, bank clearance takes place within two business days, the average timeframe set by Brazilian banks.

However, some factors may delay the money entering the account, such as the amount, the bank that intermediates the transaction, the policy and time zone of the country receiving the money, and the destination bank.

Bank clearing: what is it and how does it relate to deposits?

Whenever we talk about bank deposits and the time it takes for them to reach our accounts, we come across the term "bank clearing." But what does that mean?

Bank clearing is the procedure carried out within the bank where the deposit was made to verify the deposit (via check, via envelope, self-service terminal) and ensure that the transaction is carried out correctly.

Therefore, there is a deadline for the deposit money to be deposited into the account, as the bank will carry out all the checks to ensure that everything is correct.

Frequently asked questions

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