"Transfers are done in real-time " HSBC do that. Money vanishes instantly BUT appears in the target account instantly too. Same applies to withdrawals from cash machines. Direct debits go the long way round though and take the old fashioned 3 days.
I've never had any problems but I type the number very carefully and check it at least twice. Once you've used a number it's remembered, with a description, so next time is easier and safer.
Oh, and I ignore EVERY email that purports to come from "my" bank and all of those banks with which I do not have an account "because my password has been entered incorrectly 3 times" or whatever this weeks story is.
JH
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