Section 19, The Payment Systems Act, 2009

(1) The beneficiary’s institution shall make the fundsresulting from a transfer available to the beneficiary within the time limit agreed with the beneficiary or in the absence of express agreement, within the standard time limit applicable to the system. (2) Where the agreed time limit is not complied with, the beneficiary’s institution shall compensate the beneficiary by a payment of interest calculated by applying the 91-day treasury bill discount rate to the amount of the transfer for the period from the end of the agreed time limit to the date on which the funds are credited to the beneficiary’s account.