I have been using this service for 7 years and have just made another transfer. Last time I used the service, I had acknowlegement of receipt of funds and transfer of funds all in 15 mins. On this occasion, there was a delay in OFX acknowledging receipt of funds, transferred as an immediate payment by my bank. In fact they were received by OFX Barclays account at 09:36 on Friday about 10 mins after I had made the e-banking transfer confirmation, but the web site only showed receipt on Monday am, when I checked. I had phoned OFX to find out if there was a problem, they said not to worry, it could take up to 48 hrs. Could be worrying if the funds are needed at the destination on the same day. Hence only 4 stars. Service strongly recommended nevertheless.