Banking needs to get into the 21st century?

[Plonque]

On Friday evening I moved some money around, electronically through my online banking, across two of my own NatWest accounts.

It's now 1pm on the following Monday and the transactions are still "pending" and the balances are still showing as unchanged in the respective accounts.
(There's no error, the account I moved the money from says Balance £1000 (pending -£1000) and the account I moved it to says Balance £0 (pending +£1000) so I know that it's there and processing) amounts changed

BUT WHY?! Why, after 3 days, is an internal electronic payment still not officially at its destination? No human personnel were involved in the transaction so Mon-Fri hours shouldn't matter.

Why is this still a thing?

Instant for me with NatWest, between NatWest accounts.
To other banks, instant within the faster pay hours.
The only one that isn’t, is payments to my NatWest credit card.

The only issue I have with NatWest is that they haven’t brought in photographed cheque pay in.

I’m sure this is done so banks can hold you cash in holding accounts and make higher interest in this. There can’t be any other reason.

Sounds like an issue with Natwest or the app. My transfers between accounts are instant with Nationwide.

It's the same with making payments from, and refunding to, a debit card. I purchased 2 items on Friday from a high st retailer using my debit card, but turned out the 20% off they were advertising didn't apply to the bigger of the 2 items I was buying but that wasn't obvious until checkout, and I thought the total price was because both were discounted but one hadn't been scanned. Anyway I didn't want to pay full price but the card payment had gone through so she processed a refund there and then. Checking my online balance, the money from the first transaction came off straight away but now, 3 days later, the refund hasn't been credited back yet, and i know it was done as I got a receipt, so it's kind of in limbo. It's not a lot of money and I'm not depending on it to eat or anything, but someone else could be. Yet if i had paid cash I'd have got it back straight away. Why do refunds take so long on a card? Anyone work in banking that can explain?

I regularly move money between my Lloyd's accounts and its instant, also transfer money to and from my dps barclays without waiting. Change bank.

All sorted, spent time on hold (high volume of calls 🙄) then had to abandon the call for work. Then the funds miraculously cleared by themselves, sometime between 7-11pm which is a weird time of day really, but all well that ends well. Will bear in mind NatWests ability to hide cash in limbo for days in the future if I need to do anything similar again!!

This is going to turn out to be something you've done wrong, either with the authentication or the availability of funds. I'm sure NatWest will accept your apology

I was moving my own savings, the money was there - fully in credit - and no "authentication" is needed to transfer my own money to my own other account so I don't know where you got that from