It takes 9 working days for your first payment to come out of your account. This is because the first 5 days are needed to set up the instruction, and then a further 4 days to process the payment.
Monthly regular payment
For example, if you set up your account on the 1st of February, with your monthly payment to come out on the 4th of February, it will take 9 working days from the 1st of February for this first payment to come out on the 13th of February.
One off top up payment
Similarly, if you set up your account with a one off top up, it will still take 9 working days for this payment to come out. Therefore, setting up on the 1st of February will mean your payment will come out 9 working days later, which will also be on the 13th of February