When making a transfer, the system always checks your available balance at the time you initiate the transaction. This is why you may be able to successfully set up a transfer or standing order. However, for deferred transfers or standing orders, the most important balance check happens at the time the transfer is actually processed. 

Why a Transfer May Fail

If your account balance is insufficient at the time the scheduled transfer is sent, the transaction will not go through - even if you had enough balance when you originally set it up.

In this case, you simply need to:

1. Add sufficient funds to your account.

2. Complete the transfer again.

What Happens If a Standing Order Fails?

If a standing order or deferred transfer is not executed (for example, due to insufficient funds), the system will automatically attempt to process the payment again for up to 5 consecutive days.

Important Details:

• The system will retry the transaction once per day.

• A maximum of five attempts will be made.

• If the payment still fails after five attempts, you will need to complete the transfer manually through the app.

• If not urgent - do not manually make the transfer during the 5-day retry period, as this could result in duplicate payments.

• If urgent - If the payment is urgent and cannot wait for the automatic retries:

1. Cancel the existing standing order or deferred transfer.

2. Complete the transfer manually via the app.

3. Set up a new standing order for the next scheduled date/month.