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Bank Operational Hours :

Bank Working Hours: Monday - Friday (8.30 A.M - 13.30 P.M & afternoon from 3:00 P.M to 4:00 P.M) (Generic Timings*) (Expect saturday, sunday & public holidays)
(* Please keep in mind that bank hours differ from branch to branch.)
Lunch is typically served between 1.30 p.m. and 3 p.m. (May vary from branch to branch). However, bank employees ate their lunch in batches to avoid disrupting business, and you can visit the bank at any time during lunch.

Transitional Time :

The bank's crediting schedule varies depending on the lender, but it generally starts at two days per week. The times are shortened if the recipient of the transfer is a client of the same bank from which the credit originates, especially in the case of an online transfer; in fact, in this case, you can frequently see the amount transferred as soon as the following day (if the branch is also the same) or after two days (same bank or other branch).

The credit transfer period has been shortened from three working days to one working day following the execution date as of 2012. Pay close attention because the so-called cut-off time, or the time after which the transfer request is no longer regarded as having been received on that day but rather the following, must be taken into account. Additionally, the cut-off time varies by bank, and you should always remember that we are talking about working days. For example, a bank transfer requested on Friday after the cut-off time (for example, 15:00) will not be credited before the following Tuesday.

Real Time Fund Transfer :
Real-time transfers, which can be requested at any time, 24 hours a day, Monday through Sunday, are a new service that many Italian banks have started to offer since 2018. These transfers take only a few seconds to complete and allow customers to effectively do away with "banking hours."

This is the Sepa Instant Credit Transfer system, which allows for credit transfers of up to 15,000 euros in a maximum of 10 seconds. For those who select the instant transfer over the regular one, the bank charges an additional fee, typically in the range of a few cents.

Transfer With Account Cards :
Another option is to send money instantly and for free using account cards like Hype and N26 or platforms like Satispay. In fact, using these platforms, you can send money straight from the smartphone app and in practically real-time from your account.

However, in order to utilize the service, the recipient must also be registered with the network; otherwise, he will receive a notification with a link to register, along with all that entails, in order to be credited with the money. Fortunately, these days, the processes for opening new accounts in accordance with these clever techniques are becoming more streamlined and quick.