When you send a Splitwise Pay payment using an external bank account, we start the bank transfer shortly after you hit send so that the payment can be processed as quickly as possible. Depending on what time the payment is sent, you may cancel it within a grace period. If you cancel a payment outside of the grace period, you will need to wait for the funds to transfer (up to 3-5 business days) and then return back to your bank account (1-3 days). This will happen automatically between the banks.
