What happens if my instant bank transfer is not recognized or was delayed?

If OASIS doesn't detect an incoming bank transaction that matches your atomic swap within the acceptable "instant" period, the atomic swap will simply time-out. Refund to the originating IBAN account happens automatically within 90 minutes if your bank supports instant transactions (IN and OUT). The refund can take around 5 business days if your bank did not support instant transactions and you still proceeded to submit the wire.

For the very unlikely event of an unexpected system outage, please keep the displayed swap ID for reference. Please also see Why might OASIS not detect my incoming bank transfers?