This is a follow-up to some remarks left yesterday (4/6). It is not a complaint, but meant to be helpful/constructive. I note that funds are being sent to me by "telegraphic transfer"**. In banking terms, this is a bit like saying my brother is visiting me in a Model T Ford. A long time ago, a TT involved instructions to a paying bank, the bank staff preparing a coded message and then sending it to the recipient bank, where it was decoded and (hopefully) the right account finally credited. Later, one had CHAPS payments [from about 1990-1995 ??], which took a much shorter time and were much more accurate (although the request still had to go through one's bank). **Another document from you calls it "Faster Payment" Since about what ? 2005-2010 individuals have been able to send money from their own accounts, as a kind-of extension of the system of debit cards with chips embedded. Further, this latter typically takes a matter of a few minutes (2-3 hours absolute maximum). And it is free. Whilst I can understand that various checks and formalities are required as to correctness of paperwork, validity of bank information and so on, I am genuinely surprised that payment of this nature apparently routinely takes more than 24 hours to wend its way to its final destination. And costs me £ 50.