The time it takes for an outgoing payment to be credited to your beneficiary's bank account depends on various factors, such as the currency, receiving bank, whether it is a domestic or international payment, and the payment clearing system.

For local payments (within Hong Kong):

• If the payment is made in USD or HKD, your beneficiary's bank account is credited on the same working day.
• For local payments in currencies other than HKD or USD, your beneficiary's bank account is typically credited on the following working day. The actual time may vary depending on factors such as the receiving bank and the currency involved.

For international payments (outside of Hong Kong):

• In the case of an international payment, it usually takes 2 or 3 working days for the funds to be credited to your beneficiary's bank account. The actual time may vary based on factors such as the receiving bank and the currency used for the payment.

It's important to note that these timelines are general estimates, and the actual processing time may be shorter or longer depending on the specific circumstances of each transaction.