Just so you are aware, the maximum time between a SEPA payment order being raised and the value of the order being credited to the beneficiary account is no longer than one business day - ref: http://www.gtb.db.com/content/en/858.html. In some cases same day credit transfers are available when a payment order is made before a specified time. If you're waiting longer than 1 business day (that's Monday to Friday, with payments on Friday arriving on the following Monday), you shouldn't be.