How long does it take for your money to clear once it's on hold for a transaction?

Up to five business days. Might take longer if you made in-store purchases over the weekend and/or on a federal holiday.

If you link a debit or bank card it takes 2 days to verify the card and after that all transfers appear instantly.

Are you asking for when you make a purxhase? or if you have money added via direct deposit? If you're making a purchase, it depends on whomever you've paid. Must of us have had an experience with a restaurant, bar or gas station waiting a week to tally and deposit their charged receipts and it seems like your money disappeared because you thought it should have been deducted instantly. With Serve however, whether you use your card to purchase an item, pay a bill, transfer money to someone else with a Serve card, Serve deducts the funds from your balance, so it is impossible to overdraft this card. I believe you can link it with a bank account, debit card, American Express Credit card and even a paypal account to have it automatically transfer the funds if you never want to be denied a charge from insufficient funds. For direct deposit, in my experience if it is deposited on a Monday, you'll have access to your money Tuesday morning, so the next day after direct deposit. If you load cash onto it at a retail location, the money is available instantly or if someone else with a Serve card sends you money. I've not tried linking it to an account, but I believe my sister linked her's to her paypal account and could transfer money instantly.