Are the conditions for seizure in the session met when purchasing euros via a local bank transfer and sending the transfer receipt, with the amount sometimes being delayed in reaching the seller?

For the validity of currency exchange, it is a condition that possession takes place in the same session, based on the saying of the Messenger of Allah (peace and blessings be upon him): "If it is hand to hand, then there is no harm. But if it is delayed, then it is not permissible."

If the price is agreed upon and payment is made and the amount is sent in a single session, then possession has taken place.

If the money arrives after the session, with the transfer receipt issued, this is excused, provided that the money leaves your possession and you cannot retrieve it, or withdraw anything from your balance. A bank entry of an amount of money into a customer's account is considered constructive possession.

The delay in bank entry is excused, in a manner that allows the beneficiary to actually receive the funds, for periods customary in transaction markets, provided that the beneficiary is not permitted to dispose of the currency during the excused period, except after the effect of the bank entry occurs, enabling actual receipt.