It is very common sometimes when we trade on exchange p2p payment delays, these delay can be from the buyer's bank or seller bank's. Many people have lose their money due to this delay of bank network thinking that the problem of the delay is from the network of bank which they will later get their money when the network of their bank becomes good and they go ahead to release the payment because of evidence of payment that the other trader have sent to show as proof.
You are current Op, Many people who do not know much about PSP become victim since they do not comprehend it well enough. You have to receive your money in your bank account before you release the coin, Many people lose money because of bank delays, Some will send the money to your bank account and show you the recipe, and he won't reflect in your account, and they will say you should release the coin or they will report you to customer service, and if he shows them the recipe of the transaction, they can release the coin for him automatically, and after 24hours if it is from the bank, the bank can reverse the money back to the owner account and that is all, you have lose your coin because he will be hard for him to send the money back to your bank account.