Speed matters when a bill is due today. Vola Finance offers two ways to receive an advance, and which one you get depends largely on your bank.
| Method | Typical speed | Fee | Availability |
|---|---|---|---|
| Instant (RTP) | Seconds to minutes | No express fee advertised | Banks supporting real-time payments |
| Standard | Usually within ~5 hours | No transfer fee | All supported banks |
How real-time payments work
The RTP® network and similar instant rails let money move between participating banks 24/7, including weekends. When your bank participates, Vola Finance can push your advance immediately. If your bank isn't on those rails, the standard transfer applies.
Why a transfer may be delayed
- Your bank doesn't support real-time payments.
- The request was made late at night or on a bank holiday (standard transfers).
- Additional identity or account verification was triggered.
- Your bank placed a hold on the incoming deposit.
See which institutions work best on our supported banks page.
Instant vs. standard: which should you choose?
If a bill is due today, instant delivery to a supported bank is the obvious choice. If the payment isn't due until tomorrow, a standard transfer is usually enough. Either way, look at the transfer summary before you confirm so you know exactly when the money should arrive.
How timing really works
Real-time payment networks operate around the clock, including weekends and holidays, which is why instant delivery can arrive in seconds. Standard transfers move through traditional bank processing, so a request late at night or before a holiday may land the next business day even though most arrive within hours.
| When you request | Instant (RTP bank) | Standard transfer |
|---|---|---|
| Weekday morning | Seconds–minutes | Usually same day |
| Weekday late night | Seconds–minutes | Often next morning |
| Weekend or holiday | Seconds–minutes | May wait for the next business day |
What to do if a transfer is late
- Check the advance status in the app — it shows whether the transfer was sent.
- Look for a pending deposit in your bank app; some banks hold new deposits briefly.
- Confirm your bank supports real-time payments if you chose instant.
- If the expected window has passed, contact support with the date and amount.
Plan around your repayment date
Fast delivery is helpful, but the repayment date matters just as much. Pick a date after your next confirmed deposit, and leave a small buffer for other autopays. See repayment & extensions for how to move a date if payday shifts.
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Related guides
Frequently asked questions
Is there a fee for instant delivery?
No express fee is advertised for instant transfers to supported banks. Check the transfer summary in the app before confirming.
Do instant transfers work on weekends?
Yes, when your bank supports real-time payments. Standard transfers may wait for the next business day.
Why did my instant transfer arrive as standard?
Your bank may not support real-time payments, or the transfer may have needed extra verification.