> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.topremit.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What is cut-off time?

Cut-off time is the latest acceptable time a transaction can be received in each country to be processed according to the estimated arrival time.

For example, for **Bank Transfer (Normal Speed)** to **Malaysia**, the cut-off time is **14:30 (GMT+7)** for the money to arrive on the same banking day.

If you make a transaction on a banking day and the transaction is verified at **14:45 (GMT+7)**, the money will arrive on the next banking day because it has passed the cut-off time.

To make sure your money arrives on time, make sure the transaction is verified **before the cut-off time**.