Avoiding unexpected processing time for Stocks transfers (UK)

The guidance on this page only applies to UK residents.  

This article covers what you can do to avoid the processing time when transferring over 10,000 GBP from Stocks balances or Jars.

Read more about how the processing time works

There is a separate daily limit of 10,000 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 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:

1. Select Stocks on your balance or Jar

2. Select Change this balance

3. Select Cash

It can take up to 5 working days to move money between Stocks and Cash, or to change your whole Stocks balance or Jar to Cash.

Transfer some money today, some tomorrow

To avoid processing delays when transferring amounts between 10,000 GBP and 20,000 GBP, you can send 10,000 GBP whenever you want to send it and then send the remaining 10,000 GBP the following morning.

If you're sending more than 20,000 GBP then it'd be fastest to send it all in one transaction.

Transfer money the same day you added it

You can transfer any amount of money over 12,000 EUR 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.

If you still need help

You can get in touch with our team.