How long did a bank-transfer deposit take to arrive?

A bank-transfer deposit can take anywhere from a few hours to several working days to reach a trading account, depending on the banks, the currency and the checks the broker runs. Members often compare methods on fees alone, but the time a deposit takes matters just as much when a trade has to be placed on a specific day. Withdrawing money from a broker and KYC checks covers the identity checks that can hold up money moving in either direction, which is often the reason a transfer takes longer than expected.

The question is how long your deposits actually took, not how long the broker says they take. A record of the date sent, the date credited and the method used is more useful than any figure on a website. Members who keep that record can plan a deposit a few days before they need the money, rather than discovering the delay on the day.

We would like to hear your experience:

• How long did your last bank-transfer deposit take to arrive?
• Did the broker run identity checks before the first deposit credited?
• Which method has been fastest for you, and what did it cost?
• What did you do to avoid a delay when you needed the money on a specific day?

Please share your own approach and reasoning, not calls for others to copy. Posts that promise a direction or sell signals will be removed.