Delays in transfers between accounts

[Fred Bone]

Maybe this issue only affects UK accounts (though somehow I doubt it).

If I transfer money from my savings account with one financial 
institution to my current ("checking") account with another, the transfer 
takes three or four working days. For example, a transfer which shows on 
my savings account statement as dated 3 April shows on my current account 
statement dated 10 April (two bank holidays and a weekend in between: bad 
timing on my part!)

This is a single transaction, albeit one that doesn't happen 
instantaneously. If I store it in GnuCash as a single transaction, I can 
only give it one date.

What is the "proper" way to record it? I suppose I could record it as two 
back-to-back transactions via a "suspense" account ("Money in transit"), 
but that gets messy.

I have a related issue over the settlement dates of share transactions, 
which I'd also like to have match the respective statements.