T+ 1 working day means that the business such as transfer handled by users will arrive on the next trading day, and similarly, t+4 working day will arrive on the fifth day. T+4 working days to account refers to four working days after the business is completed. For example, a business handled on Monday requires t+4 working days to arrive, so it will arrive on Friday. If there is a holiday, postpone it. For example, if the business is handled on Thursday, it will not arrive until next Wednesday after t+4 working days, and the working days refer to Monday to Friday.