Since 2019, I already used instant transfers and this is one of my greatest fears. I was moving money from banks to bank or to other wallets, and vice versa several times a months.
One time I transfered ~500 USD and didn't received it on another bank/wallet. Had to email customer service and I had to prove it that I had that transaction, then they investigated it for a few days and said I reache my annual transaction limit and needed to provide one more document to get an unlimited annual transaction.
Lukcily, I transaction was resloved in less than a week 😰
Every bank is a world, I was worried that I had exceeded the account limit but luckily it was a mistake on their part and I was even luckier that they fixed everything quickly. Thanks for reading and commenting