[Elessar]

A simple SWIFT transaction (wire payment) is generally enough, though in order for the actual transaction to move, there are confirmation and settlement procedures. All of which depend on the company and bank policies (for example, American Companies are all by law offered the option to use 4-eye verification processes to prevent a single person from making a tx, two to confirm etc etc).

Giarc's story is the confirmation process, likely being chased down by the back office at the bank as they go through the various procedures that minimize fraud and mistakes involved when moving large sums of cash.

If FX is involved, then they'll likely need to purchase the sum in a different currency (if they do not already have cash in that currency) and use the result to settle in another bank account. For example, an American company purchases 15 million euro to settle in a German bank account that belongs to the purchased.