My SEPA Instant transfer has not arrived

SEPA Instant transfers do not automatically fall back to standard SEPA processing. If the instant transfer fails, it must be reinitiated as a standard SEPA transfer. Some reasons may include;

(1) the beneficiary bank doesn't support SCT Inst

(2) the amount exceeds the SCT Inst limit (currently €100,000 per transaction)

(3) the payment requires additional checks

(4) the beneficiary bank's instant rails were temporarily unavailable.