Bank topup slowness inquiry

Hi, not sure if this is the right place to ask about this (and couldn’t find an answer when searching), but I’m curious as to why bank transfers take so much time?

I’m not asking about a particular instance, but what about them cannot be automated to appear instantly in one’s account at any time of day? Doubt it is an engineering issue, wondering about any legal/financial reasons?

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I think the way it works is that you send the money to Freetrade’s (Lloyds) bank account with a unique reference. They then manually redirect this money to your account during business hours in batches. The investment platform should make this automatic.

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