Every transfer will take a different amount of time depending on a few things. We always move your money as quickly as possible, but the speed will be affected by things like the currency you’re sending to and from, how you pay for it, and banking hours.
To get a general estimate, you can put some currency details into our transfer calculator while logged in and it’ll show you how long it might take.
When you actually set up your transfer on Wise, your estimate will likely change — this is because the more information we have about your transfer, the more accurately we can tell you how long it’ll take. Here are some things that can affect how long your transfer takes.
Conversion
Whatever currency you’re sending, converting your money can always take up to 2 working days.
The countries you’re sending to and from
Every currency and country is different. How quickly your transfer arrives to your recipient depends on how quickly your recipient’s bank can process the payment, as well as the ways you paid in the country you’re sending from.
After the payment has been sent out of Wise, we can't confirm when the money has reached your recipient's bank, so you’ll need to ask your recipient directly.
How you pay
The way you pay for your transfer can also affect the speed of your transfer. Some payment methods are quicker than others. For instance, card payments are normally instant, while bank transfers can take longer, especially if you’re paying by Swift. We'll show you how long each payment method takes when you set up your transfer.
Public holidays and banking hours
We can only move your money during normal banking hours. So if you send money outside of those hours, it may take longer than usual. National holidays can also affect the transfer speed, so if you’re sending to a different country, make sure to check that it doesn’t fall on a holiday.
Security checks
As a regulated institution, we also need to make sure we run regular security checks on our customers and their payments. We might need to verify things like your ID, address, or where you got the money from, when you make a transfer. These additional checks can add extra time to your transfer.
You can't speed this up, and we'll get in touch if we need anything from you, but you can always check the status of your transfer from the web or app.