[CyberDildonics]

Banks don't transfer money to each other through Visa, they use SWIFT. Transactions usually take 4 business days.

The block size limit is in the process of being changed, but there isn't a rush since blocks are not being filled. If they do get filled, transaction costs will go up and tiny (0.01 USD) micro-transactions won't be viable until the block limit is increased. So the only thing that might happen is transactions of a few cents are temporarily not viable (the transaction cost is larger than the amount sent).

[sanswork]

If your wires take you 4 days you need to switch banks. I make regular international transfers and unless I miss business hours they are always in the receiving account the next morning.