Therefore , the beneficiary 's account is normally credited two working days after the order is placed .
The latest time for the exchange of files on any working day is 4 p.m. local time of the receiving bank for next - day execution .
The beneficiary 's account is normally credited two working days after the order is placed .
The latest time for the exchange of files on any working day is 4 p.m. local time of the receiving bank for next - day execution .