€20,000 real-time transfer not to recipient account

Hello everyone, my wife and I are about to buy a house and need proof of equity for the bank. For this purpose, my wife's father transferred €20,000 to his daughter's ING account in real time. The IBAN was correct and was verified using the four-eye principle. The money has now been debited from my father, but even after 4 hours my wife has not received any money. According to ING, it will be at the savings bank, otherwise there is something in my wife's ING app