When your transfer status is Complete , it means ORO Bank has successfully processed and sent the funds to the recipient's bank.

Once the funds arrive at the recipient's bank, they go through the bank's own internal checks and processing. This can take some additional time – usually within one business day, but the exact timeframe can vary depending on the specific receiving bank and their procedures.

Advise your recipient to wait: Ask your recipient to allow at least one full business day after the status showed "Complete" in your ORO Bank app for their bank to complete its internal processing.

Recipient should check with their bank: If the funds haven't appeared in their account after this period, the most effective step is for your recipient to contact their bank directly. They should provide their bank with details of the expected incoming payment (such as sender name, expected amount, and approximate date of transfer) and inquire about its status. The recipient's bank will have the most direct information on incoming funds and any internal holds or issues.

If the transfer is returned: Should the recipient's bank return the funds, they will eventually be credited back to your ORO Bank account. The transfer status will change to Return .
Please note that a return fee may apply in such cases, as outlined in article My international transfer failed. Why did this happen and what should I do?

Contact ORO Support (if needed): If your recipient has checked with their bank and there are still unresolved issues, or if their bank specifically requires information from ORO Bank to trace the payment, please contact our support team with your transfer reference number and any details your recipient has gathered from their bank.