Transfer reflecting but not available

I made a transfer from my discovery card to my FNB account last Saturday. Today 4 days later it's showing in my account but not as part of my available balance. In other words my account balance is X (including transfer) but my available balance is X - transfer money. <br> <br> It's been 4 days. Now I must phone at my expense to resolve this. It's FNB to FNB and should be abailable immediately. Please resolve asap