Chequing Accounts - Delay in funds becoming available
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Generally speaking, you should expect funds to be made available within 10 working days at the most. Occasional delays can occur due to errors or holidays. If you think your funds have been extensively delayed, you should contact the bank to find out why. If you're unhappy with the service you've received, you should make a complaint via Resolver. All banks are required to have a complaint handling department to tackle your case. If the bank is unable to resolve the matter internally, you may be able to escalate your case to an external ombudsman.You should know
Where available we include the Internal Ombudsman of a bank in the escalation process. This is in-line with the FCAC complaints process guidance:
If you already have a final response from your bank that is not to your satifaction, you can choose to escalate for a Third Party Review regardless of whether you have been to the Internal Ombudsman.
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