It usually depends what time of the day they started initiating the disbursement. This is what I figured out based on 2 recent disburstments on 2 different ghost accounts I own: Account 1: Monday around 2pm they started the process on disbursing my funds. The funds then arrived in my bank on Thursday, which is the 3rd working day. Account 2: Tuesday around 9pm they started the process on disbursing my funds. The funds then arrived in my bank the following week on Monday, which is the 4th working day (excluding Saturday & Sunday).
So I reckon depending on what time they start the process, it will take 3-4 working days to get your money.
Hope that clear things up for you.
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