The duration of your SEPA transfer is usually up to two bank working days and depends on your bank and the banks that hold your money in an escrow account, which are currently either Deutsche Bank AG, J.P. Morgan SE, HSBC Continental Europe S.A. or Citibank Europe plc.
The deposit of funds via credit or debit card or mobile wallet usually takes place within a few minutes, depending on your bank and the respective payment service provider.