I have an Ing account and a HSBC. I have both set up with bank to bank transfers. I find that HSBC takes a long time to finish a transfer. If you intitate a transfer today before the cut off then the next business day they take the money out of your account and then three business days later it is in the second account. Ing seems to be quicker more like the next day out, the second day moves to new account. How is the speed of Emigrant or other high paying accounts? Any one know?