Why the money on your Bank card credited immediately?

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The question is not really on the subject of Habra, but it was always interesting.

Almost all the banks — if you transfer money on a plastic card directly in the office of the Bank(who holds the card), the payment immediately, but after n-hours.

Go where the money is these n-hours and why they take so long to go?

I would have understood, if only a large amount of delayed — check and all that, but this situation with all the translations(from the cache to the card).

Or the Bank simply makes a pause to spin the money? But then, because n-hours is very little...
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7 Answers

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Depends on the processing center is connected to the Bank issuing the card.
Some of it is times a day, some 2 times.
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It's like a mail. You drop the letter in the mailbox, and the mailman comes 3-4 times a day to pick up all the letters at once.
But not all banks so. I have one card enrollment via cash-in terminal mngovenno.
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Probably depends on the Bank, I'm from Estonia, the SEB Bank.
Configured SMS notification when you receive money.
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Many times he had offered the money directly in the Bank office and always notice came at the same moment as I lozhili money.
answered by
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Card transactions can technically handle one system, and the cashier, which You gave them — on the monitor hanging is quite different. For Russia, it is less likely for abroad more.
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Moreover, these systems often are in different banks, and between them may not be on-line interfaces and file where download once an hour, once a day, and so on.
And these miracles, as is likely, work to the limit of available iron, from-for what between downloading and processing data will have to leave some time shifting "heavy" processes on the periods of lowest system load.
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And when You Deposit money in a cash-in on the ATM with cash acceptor, then there is some chance that Your Bank in this scheme, the enrollment will be processed at least in the same system that authorizes the transaction, and faster.
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Really this is so:
Have an account, there are 2 types of money: blocked and not blocked.
Locked the money is the money that sushestvujut transaction. Each Bank behaves in its system of accounts, each account being percent etc...
From approximately 0:00 to 4:00, handled all the (real lie, not all) of the blocked transaction "Packed" into a single transaction to a specific Bank. (>>>Mine, or at least it should be<<<) All transactions are made through a single main point (the Bank). There are different mechanisms for money laundering (by the way, these same mechanisms of money laundering are in the banks themselves).
Also don't forget, one transakcija between bankai, is worth something and if you're between banks to "throw" money at each transaction, so it will be not only dur-house but also expensive to use banks + failures, etc... Between all of this, the Bank accepted the transactions from other banks.
After all these machinations is any kind of information leak in the "archive" to the banking system in the morning was "fresh". :-)
The number of transactions is Very large, so it is also necessary to consider that love the handling of this just to go on a single processor :-).
Next night you the Bank recalculates the different percentage and throws for your transactions with any beards (its a LOT believe me!).
To tell you would have long time, it's time to sleep.
By the way, were once there were firms of translation deneg, where he used only one method of shipment transaction where it raised a lot of money in the same camp and gave this money to another country.
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As in my Bank that I use.
If I was in the cashier put the money directly on the card (with the card through the terminal and entering a pin) or directly in cash in the ATM, the money in the account arrives instantly (SMS).
But if the money is credited in the cash register without a card, they are transferred to the account (which is tied to a map) until 15 o'clock.
answered by
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Never met such a situation as described by the questioner.
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Enjoy the Avant-garde and PSB, all operations are instant.
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Put money on the card in the branch, immediately came a Text message, immediately immediately can make withdrawals at the ATM on the way out. Similarly, with online banking — at a glance all the movements.
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Probably it is necessary to select normal banks for maintenance?
PS which Bank?
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