When will my money arrive?

When you make a transfer, we’ll give you an estimate for when your money should arrive. But, there are a few situations where you might have questions about timing. Here are some tips to help you understand when it’ll arrive, or why it’s delayed.

Wise says that my transfer’s due to arrive today. 

Great! Really that means your money should’ve arrived already. We say that it’s due today because some banks need a few hours to process transfers from us. 

My recipient’s details may be wrong. 

Small things like typos in names — for instance, spelling John Smith as Jon Smith — shouldn’t be a problem for most countries. Your money should still arrive on time. However, for some currencies, such as JPY, a typo like this can be an issue.

If something like an account number is wrong, your money could take longer to arrive, or get returned to us. If your money does get returned to us, we’ll let you know straight away. 

Transfers on weekends and holidays.

Not all countries have banking systems that work on weekends or holidays. Our delivery times factor in banking hours of the country you’re sending money to.

But in some parts of the world, banks stop processing transfers early on Fridays.

That means, if your money’s due to arrive on Friday, it may not show in your recipient’s account until the next working day. We’re working to find out which banks do this, and make our delivery estimates more accurate in the process.

My recipient says the money hasn’t arrived yet.

We hope to never put you in this position. If your recipient says they haven’t received your money yet, please ask them to check the following:

• The sender name they’re looking for. Your recipient can try looking for a transaction on their bank statement from Wise — they might not see your name. The transfer might also come from one of our partners, but the amount and reference should still help find the payout.

• The recipient’s bank details. If they’re not right, your money could take longer to arrive, or get returned to us. 

• The currency the recipient’s account is in. Your recipient’s account may be in a currency that’s different to the one you’ve sent them. If that’s the case, they could get a different amount from us because their bank might have converted the money.

Getting a receipt.

Your recipient’s bank may be having problems processing your transfer. They’ll have the money in their system, but won’t have put it into your recipient’s account. 

Our receipt includes all our bank details and, for some currencies, tracking numbers too. That means when your recipient gives it to their bank, the bank should have all the info they need to track down your transfer. 

Here’s how to get your receipt:

1. Log into your Wise account

2. Click on your transfer 

3. Click on the 3 dots on your browser to see a Get PDF receipt button, or click the button directly in the app

4. Save it to your device and send it to your recipient