The time of t+ 1 is not clearly defined and counted, depending on the transfer speed of the bank. For example, the settlement time of t+ 1 is Monday, so because there is more free time on Monday, we have to deal with various businesses accumulated over the weekend, so the arrival time may be in the afternoon. In theory, it is normal to arrive before 23: 59, but generally you will not receive the arrival information after 6 pm.

The t here means the English word Trade, which means trading. T+ 1 means the transaction formed in the normal trading day, which usually refers to the working day from Monday to Friday and will arrive on the next working day.