Paypal is not a bank,banktransfer is between banks within FeD Reserve ACH system. When you ask Paypal to transfer money to your bank,Paypal asks its bank to do so,no different than you doing online banking,completed means it has sent the request to its bank. Its bank will send daily transactions into ACH atleast once a day,the slowest and free ACH transfer could take 3-5 days,from PAYPAL bank to your bank/ you wanna it faster,register with bank debit card,and pay 25 cents
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