The guidance on this page only applies to business customers in the UK.
This article covers things you can do to avoid the processing time when transferring over 100,000 GBP from Stocks balances or Jars.
Read more about how the processing time works
There is a separate daily limit of 100,000 GBP for Interest transfers.
Move money to a Cash balance or Jar
You can have separate pots of money:
a separate Stocks balance or Jar where you can earn a return
a balance or Jar without Stocks, set to Cash, which you can use to send large amounts quickly
If you haven’t got a cash balance or Jar in the same currency, you can open one. To do this, select the Open button from your Wise account home screen.
Change your Stocks balance or Jar to cash
Alternatively, you can just change your Stocks balance or Jar to a regular cash one.
In the web or app:
Select Stocks on your balance or Jar
Select Change this balance
Select Cash
It can take up to 5 working days to move money between Stocks and cash, or 2 working days to change your whole Stocks balance or Jar to cash.
Transfer some money today, and some tomorrow
To avoid processing delays when transferring amounts between 100,000 GBP and 200,000 GBP, you can send 100,000 GBP whenever you want to send it and then send the remaining 100,000 GBP the following morning.
If you're sending more than 200,000 GBP then it'd be fastest to send it all in one transaction.
Transfer money the same day you add it
You can transfer any amount of money over 100,000 GBP without the processing time if you transfer it the same day you add or receive it into your Stocks balance or Jar. This is because we don’t invest your money until the next working day at 7:00 am Dublin time.