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"My friend works in finance and said that excuse is rubbish."
Please ask your friend to explain why his bank's automated clearing house takes days to clear funds.
Don't accept any rubbish excuses.
Thank you for sharing your experience. My PayPal balance actually enter my bank account really fast whenever I make an withdrawl. If you need better cashflow, I would recommend the PayPal Debit Card. You will get 1% cashback if you have a PayPal Premier or PayPal Business Account. All you got to do is enroll in the cash back program. I hope this helps, cheers.