We made a transfer from Russia, the money did not arrive for three days. I called the bank, they said let them find out there. There, by the evening of the third day, the money was returned to the sender. They were immediately sent to the Agrobanka card, and the transfer came to the card three minutes later. For verification, I asked to transfer another 10 rubles, which have not yet been credited to the card. Make your own conclusion!
I am a regular customer of this bank. I like the service, the order in the queue, a lot of operators and do not have to wait long. The last time I took a queue online through the Zumrad app and I was served in 10 minutes.