After ZA Bank process your transfer, normally, for the transfer of HKD and RMB via FPS, it is instant; and the transfer of USD via CHATS, it is expected to be received within 1-2 working days. The specific time of receipt is subject to the receiving bank.
If the transfer has been returned; ZA Bank will return the fund to your account within 1-2 working days after receiving the fund returned by refund bank. The specific refund instruction initiation time is subjected to the refund bank.