Why Hasn't My Transfer Been Credited Yet?

If you are waiting for a payment to arrive in your myTU account, the processing time depends on the transfer method used, the sending institution's cut-off times, and standard security checks.

Here is a breakdown of expected processing times and potential reasons for a delay:

1. Transfers Between myTU Accounts (Internal Transfers)

• Processing time: Instant (24/7).
• If delayed: Transfers between myTU users appear immediately. If you haven't received it, please ask the sender to double-check that the payment was successfully signed and confirmed in their app.

2. Bank Transfers (SEPA & SEPA Instant)

• SEPA Instant: Arrives within seconds or minutes, 24 hours a day, 7 days a week (provided the sending bank supports and routes via SEPA Instant).
• Standard SEPA Transfer: Typically takes 1 to 2 working days.
• Weekends & Banking Holidays: Standard SEPA transfers are processed on business days only. Transfers initiated on weekends, late Friday afternoon, or during official European banking holidays will be processed on the next business day.

3. Card Top-Ups

• Processing time: Instant.
• If delayed: If a card deposit is pending, check if the payment was approved by your card issuer (e.g., 3D Secure verification). In rare cases, card processors may hold transactions briefly for verification.

4. Routine Security & Regulatory Verification

As a licensed Electronic Money Institution, myTU is required by regulation to perform routine automated and safety checks on incoming and outgoing payments to keep your account safe.

• Temporary Review: Occasionally, a transaction may be briefly paused for a standard security or compliance check.
• In-App Requests: If we need any clarification or supporting details (such as a document or proof of transfer) to credit the payment, we will reach out to you directly.
• What you should do:
  1. Check your myTU app notifications, in-app support chat/tickets, and email to see if we have requested any information.
  2. If no action is required from you, there is no need to worry — your transfer will be processed automatically as soon as the standard check is completed.

Tip

Quick Checklist if your payment is missing:

• Did the sender use your exact myTU IBAN (LT...34800...)?
• Was the transfer sent via Standard SEPA over a weekend or holiday?
• Have you checked your app notifications/messages for any verification requests?