Why hasn’t my SticPay withdrawal reached my bank account?

If your SticPay withdrawal hasn’t reached your bank account, several factors could be causing the delay. Here are the common reasons and steps to resolve them:

1. Processing Time:
   • International Bank Wires: Typically take 5-7 business days. SticPay processes withdrawals in 2 Days, but intermediary banks may add delays.
   • Domestic Transfers (e.g., Japan, South Korea, Australia): Usually take 1–4 business days. If it’s been longer, there may be an issue.
   • Solution: Check the transaction status in your SticPay account. If it shows “Completed,” the delay is likely with the bank. Wait a few more business days for international transfers, then proceed to the next steps.
2. Bank Processing Delays:
   • Some banks hold incoming funds for additional screening, especially for large amounts or international transfers, which can add 1–3 days.
   • Solution: Contact your bank to confirm if the funds are pending or flagged. Provide the transaction ID from SticPay for tracking.
3. Incorrect Bank Details:
   • If the account number, SWIFT code, IBAN, or beneficiary name is incorrect, the transfer may be rejected or returned, which can take 5–10 days to process.
   • Solution: Verify the bank details in your SticPay withdrawal request. If incorrect, contact SticPay support immediately to update and resend the transfer.
4. Incomplete KYC Verification:
   • Unverified SticPay accounts may face delays or restrictions on withdrawals, especially for large amounts.
   • Solution: Ensure your SticPay account is fully verified (KYC completed). Upload any pending documents (e.g., ID, proof of address) via the SticPay dashboard.
5. Intermediary Bank Issues:
   • International wires often pass through intermediary banks, which may charge fees (deducted from the amount) or delay processing if documentation is missing.
   • Solution: Ask SticPay support for the transfer’s MT103 or SWIFT trace details and share them with your bank to track the funds.
6. Bank Holidays or Weekends:
   • Transfers initiated on weekends or public holidays (in your country, the recipient’s country, or intermediary bank locations) are processed on the next business day.
   • Solution: Check the calendar for holidays in relevant countries. Adjust your expected delivery date accordingly.
7. Flagged Transaction:
   • Large or unusual withdrawals may trigger anti-money laundering (AML) or fraud checks by SticPay or your bank, causing delays.
   • Solution: Contact SticPay support to confirm if additional verification is needed. Respond promptly to any requests for documentation.

Using ChangeBuz.com to Avoid Delays

For faster transfers, consider using ChangeBuz to exchange SticPay funds to your bank account. ChangeBuz often processes transactions within few hours, bypassing some banking delays. Their fees are transparent, and they’re ideal for large amounts. Ensure your SticPay and bank accounts are verified before initiating the exchange.

Steps to Take Now

1. Check SticPay Transaction Status: Log into your SticPay account to see if the withdrawal is “Pending,” “Processing,” or “Completed.”
2. Contact SticPay Support: Use their 24/7 live chat or email (support@sticpay.com) with your transaction ID, amount, and date. Request a SWIFT trace if needed.
3. Contact Your Bank: Ask if the funds are pending, rejected, or flagged. Provide the transaction details from SticPay.
4. Monitor for Returns: If the transfer was sent to incorrect details, funds may return to your SticPay account within 5–10 days, minus fees.
5. Secure Your Connection: Always use a secure network when accessing SticPay or ChangeBuz to protect your account.

If the issue persists after 7–10 business days, escalate the matter with SticPay’s support team and your bank. For future withdrawals, ChangeBuz can help minimize delays and simplify the process.

Got more questions about your SticPay withdrawal or how to speed it up? Drop them below!