as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
how long does it take for a tangerine no-fee money-transfer email to be delivered?
user
i phoned tangerine; they enlightened me. it generally takes 2 hours for the email to arrive. next, the recipient must open the email, click the link, and enter their bank account number. they'll generally receive the money 2-3 business days after that. this forum post suggests that the delays are due to systemic risk management, tendering, and clearing.
assistant