> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spritz.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Settlement timing

> How long each rail takes to settle.

How quickly money arrives depends on the rail. The crypto leg confirms on-chain in the
usual block times; the fiat leg is what varies. This page covers the timing you can
expect for each rail Spritz supports.

## By rail

| Rail                 | Speed                                                           |
| -------------------- | --------------------------------------------------------------- |
| RTP (US)             | Near-instant, around the clock, including weekends and holidays |
| Faster Payments (UK) | Near-instant                                                    |
| Wire (US)            | Same banking day                                                |
| ACH same-day         | Same banking day when submitted before the cutoff               |
| ACH standard         | One to two banking days                                         |
| SEPA (EU)            | About one banking day                                           |
| EFT (Canada)         | One to three banking days                                       |
| Push to card         | Minutes                                                         |

## Banking days and cutoffs

ACH and wire settle on **banking days** only. A request made on a weekend or bank
holiday, or after the day's cutoff, starts processing on the next banking day. Real-time
rails like RTP and Faster Payments settle at any time, including weekends.

Each rail has a daily cutoff, after which activity rolls to the next banking day. Choose
the rail that matches how quickly the money needs to arrive: RTP or a wire when it has to
be same-day, ACH when cost matters more than speed.

## On the on-ramp side

A [linked bank on-ramp](/guides/use-cases/linked-bank-onramp) pulls funds by ACH debit,
which follows the same ACH schedule. Keep in mind that ACH debits can be returned after
settlement, within windows that run from a couple of banking days up to 60 calendar days.
See [ACH returns](/guides/ach-returns).

## Related

<CardGroup cols={2}>
  <Card title="What we support" icon="globe" href="/guides/supported">
    Rails, currencies, and regions.
  </Card>

  <Card title="ACH returns" icon="rotate-left" href="/guides/ach-returns">
    How returned ACH debits work.
  </Card>
</CardGroup>