1. Intra-bank transfer: after successful submission, the other party can receive the money and receive it immediately without time difference;

Two. Inter-bank transfer: Inter-bank transfer can be divided into real-time inter-bank receipt and ordinary inter-bank transfer:

1. Real-time transfer: after successful submission, the other party can receive the money and receive it immediately without time difference;

2. Ordinary transfer: after submission, the payee will not receive the money immediately, but will generally receive it within 2-3 working days.

Extended data 1. Bank transfer settlement refers to the monetary fund settlement method of transferring money directly from the bank account of the payer (or individual) to the bank account of the payee (or individual) through the bank without using cash.

2. According to the provisions of the bank settlement method, except for those that can be settled in cash according to the Provisional Regulations on Cash Management, all enterprises, institutions, organs, organizations, military units and other commodity transactions, labor supply, capital allocation, credit transactions, etc. They should be settled by bank transfer in accordance with the provisions of the bank settlement method.

3. The reason why the state encourages the implementation of bank transfer settlement is because the implementation of bank transfer settlement is conducive to the state's regulation of currency circulation.

Baidu Encyclopedia-Transfer