Categories CIPS system Home Does the recipient’s country/time-zone affect when the transfer arrives? Post author By Nomundari A Post date September 9, 2025 Yes. Depending on the recipient bank’s time zone, the transaction settlement may be delayed and may be received the next business day. ← A New Era in Payments ━ CIPS → Are there different conditions or restrictions depending on the type of transaction (trade, investment, services)?