When the transfer does not arrive

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.

Whatever happened, do not send the money again yet. A second transfer does not cancel the first one, and if both go through, you have paid twice. Find the transfer reference in the app and keep it on your screen. It is the first thing the provider will ask you for. Then find your case below.

Start here

The app says your transfer is complete, but the money has not arrived is where most people start, 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 send 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 country at a time on live provider rates, checked on the day it is dated. Earlier issues covered Pakistan, Kenya, the Philippines and Nigeria. Each one shows the rates from its own Friday, not from today.

The country pages carry the details for each country: Nigeria, Kenya, the Philippines, India, Pakistan. If your recipient is on a Kenyan mobile wallet, the Kenya page also covers what she pays to move the money on. If she is in Nigeria without a bank account, visiting Nigeria without a bank account covers that case.

Corrections

• 2026-11-01: An earlier version of this page called the Friday number on £300 to Pakistan "this week". That issue is from 31 July 2026. The link now goes to the latest Friday number, and older issues are named as earlier issues.