You picked the app, tapped send, and something has gone wrong on the other side. The screen says complete but no money has arrived. The receiving name does not match the account. You put the wrong account number in and want to know whether you can still stop it. Or the transfer was cancelled and you cannot see the refund. Four situations, one page each — action first, mechanism second.
Start here
The app says your transfer is complete, but the money has not arrived is where most people land, because “complete” on the sending side does not mean “arrived” on the receiving side. Read this first if you do not yet know which of the four you are in.
The recipient’s name does not exactly match the bank account. What now? is often the hidden reason the first piece is true. Middle names, initials, the wrong spelling — most receiving banks quietly reject the payment and send it back. The window to fix it is short.
You sent money to the wrong bank account — can it be reversed? covers the specific mistake with a specific answer. There is a narrow window when the sending bank can still pull the payment; after that the situation shifts to the receiving side and the answer changes.
Your international transfer was cancelled — where is the refund? is what to do when the app itself has told you the transfer will not happen. The refund path is not automatic on every provider and the working-day count matters.
Where to look next
Whether normal arrival for your corridor is same-day or three working days depends on where the money is going, not just how it was sent. The Friday number covers one corridor at a time on live provider rates — 300 pounds to Pakistan this week, Kenya the week before, the Philippines before that, and Nigeria before that.
The country pages carry the corridor-side mechanics: Nigeria, Kenya, the Philippines, India, Pakistan. If your recipient is on a Kenyan mobile wallet, Kenya mobile money fees has the M-PESA-side view. If she is in Nigeria without a bank account, visiting Nigeria without a bank account covers that case.