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# Why was my account debited but I still haven't received my satoshis?


# SEPA Transfers – Processing Time & Transaction Status

SEPA bank transfers typically take **24 to 48 business hours** from the time the funds leave the sender’s account until they are credited to the recipient's account. **Our services are closed on weekends**.

## Status of Your Transfers and Transaction Delivery

### 1. Your transfer is being processed by the banks

📌 Due to **interbank processing times** (typically **1 to 2 business days** depending on the bank), **we cannot receive your transfer on the day it was sent**.

📆 **Example:**

* If you initiate a transfer on **Thursday**, we will likely receive it on **Friday**, but it may not be processed until **Monday or Tuesday**.

✅ **Once we receive your SEPA transfer, we send the equivalent amount in Bitcoin within the same day.**

### 2. Your transaction has been sent but is waiting for miner validation

🚀 Bitcoin transactions must be **confirmed by miners** before being fully processed.

👉 **Learn more about how Bitcoin transactions work:**  
[https://blog.stackinsat.com/comment-fonctionne-une-transaction-avec-bitcoin/](https://blog.stackinsat.com/comment-fonctionne-une-transaction-avec-bitcoin/)

### 3. The amount received does not match the amount expected – unexpected transfer

📌 **Example:**

* If you have set up a **Bitcoin Savings Plan (BSP)** for **€20 per week**, but we **receive a different amount**, we will **not process the delivery immediately**.
* Instead, we will **contact you via chat or email** to confirm the details of the unexpected transfer.

### 4. You did not include the tracking code in your transfer

🔗 The ** [tracking code](https://help.stackinsat.com/fr/articles/5159294-a-quoi-sert-le-code-de-suivi) ** is **VERY important**.

✅ It allows us to **assign received euros to your BSP automatically**.  
✅ This ensures **recurring and one-time transfers are processed correctly**, and satoshis are delivered to **your Bitcoin wallet**.

📧 If your transfer **does not include the tracking code**, you will receive an **email with instructions** on how to proceed.

### 5. The name on your SEPA transfer does not match the name on your BSP

📌 If the **account holder’s name on the bank transfer does not match** the name registered with **your BSP**, the transfer **cannot be processed automatically**.

📩 In this case, you will receive a **message via chat and/or email**.

### 6. The payment was not sent by your bank 

📌 If you **forgot to activate the recurring transfer** in your banking app when setting up your SEPA transfer, it is **very likely that the second payment was never sent** by your bank.

📞 **In any case, our** [**customer support team**](https://stackinsat.com/dashboard/home) **is available via chat to answer your questions.**