Originally Posted by Nick_awt

Maybe your bank has rejected the payment and sent it back. Although thats unlikely.

Once an EFT has been sent. It should only take maximum of 24 hours for the funds to be in your account.

If it was validated on 10th (monday). It should of been sent no later than Tuesday morning, and in your account Wednesday (12th).

I'd contact your bank (if you haven't already).

Good luck!