4.1 / 5 from 198,357 reviews

Instant money transfers

Q: What affects the speed of my transfer?

Currency routes — sometimes it’s quicker to send from one particular currency to another. Payment method — compare methods and choose the one that gets your money to its destination fastest. Extra checks — some routes and larger transfers might need to double checked just to be sure

Q: How can I check the status of my transfer?

You can always check the status of the transfer from your Activity feed. Log in to Wise. Click on Activity. Find the transfer, and click View transfer details

Q: Why might a transfer take longer than estimated?

Transfers can take longer when: You used a slower payment method (eg. bank transfer) - while it costs you less, banks can take 1-2 business days to send us the funds. You sent the money just before weekends and bank holidays - unfortunately banking hours are beyond our control, and can slow down the transfer.

Q: How can I send money faster?

If you want to send money faster; Review and confirm the recipient details are correct. Choose a faster payment method (eg. card payment). Make sure your account is verified. Please note, if you set up payments close to the weekend, money may not reach the recipient until the next working day.

Sending money anywhere in the world should be as quick and painless as sending an email. But the old banks’ systems weren’t built for sending money abroad — so we’re building a new one.

FINTRAC regulated

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Over 16 million customers

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You send exactly

2.39 CAD
6.65 CADOur fee
–
9.04 CADTotal fees
=
990.96 CADTotal amount we’ll convert
×
0.737246

Recipient gets

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How long will a money transfer take?

Sending money from	Sending money to	Transfer method	Should arrive by
CAD	EUR	Direct Debit	in 4 hours
CAD	AED	Direct Debit	by Wednesday
CAD	AUD	Direct Debit	in 5 hours
CAD	BDT	Direct Debit	by Wednesday
CAD	BGN	Direct Debit	in 4 hours
CAD	BRL	Direct Debit	in 8 hours
CAD	CHF	Direct Debit	in 35 minutes
CAD	CLP	Direct Debit	by Thursday
CAD	CNY	Direct Debit	in seconds
CAD	COP	Direct Debit	in 3 hours
CAD	CRC	Direct Debit	by Thursday
CAD	CZK	Direct Debit	in 11 hours
CAD	DKK	Direct Debit	by Wednesday
CAD	EGP	Direct Debit	by Wednesday
CAD	FJD	Direct Debit	in 10 minutes
CAD	GBP	Direct Debit	in seconds
CAD	GEL	Direct Debit	in 4 hours
CAD	HKD	Direct Debit	in 10 minutes
CAD	HUF	Direct Debit	in seconds
CAD	IDR	Direct Debit	in 60 minutes
CAD	ILS	Direct Debit	by Wednesday
CAD	INR	Direct Debit	in seconds
CAD	JPY	Direct Debit	by Wednesday
CAD	KES	Direct Debit	in 30 minutes
CAD	KRW	Direct Debit	in 3 minutes
CAD	LKR	Direct Debit	in seconds
CAD	MAD	Direct Debit	by Thursday
CAD	MXN	Direct Debit	in 8 hours
CAD	MYR	Direct Debit	in seconds
CAD	NOK	Direct Debit	by Wednesday
CAD	NPR	Direct Debit	by Wednesday
CAD	NZD	Direct Debit	by Wednesday
CAD	PHP	Direct Debit	in 25 minutes
CAD	PKR	Direct Debit	in seconds
CAD	PLN	Direct Debit	by Wednesday
CAD	RON	Direct Debit	by Wednesday
CAD	SEK	Direct Debit	in 4 hours
CAD	SGD	Direct Debit	in seconds
CAD	THB	Direct Debit	in seconds
CAD	TRY	Direct Debit	in 10 minutes
CAD	TZS	Direct Debit	in 7 hours
CAD	UAH	Direct Debit	in 8 hours
CAD	UGX	Direct Debit	in 8 hours
CAD	USD	Direct Debit	in 11 hours
CAD	UYU	Direct Debit	by Thursday
CAD	VND	Direct Debit	in 40 minutes
CAD	ZAR	Direct Debit	by Wednesday

How to send money abroad instantly?

Use our calculator to get an estimate for your transfer.

If your estimation says "should arrive in seconds" — your transfer will be instant.

Choose the fastest payment option.

For many currency routes, paying using credit cards, Apple Pay or your balance are faster than bank transfer or SWIFT.

Complete the transfer.

Double check the recipient details, payment details then confirm and pay for your transfer. We’ll take care of the rest.

Create free account now

How fast is instant?

A payment is instant when it arrives within 20 seconds. And sometimes they’re even quicker. So, your payments could arrive before you can say ‘hidden bank fees’.

Right now, 45% of our transfers are instant. But our mission is to build instant transfers for everyone, everywhere. So if your chosen currency route isn’t instant yet, make sure to check the speed of your transfer in our calculator.

Fast money transfers are easy

Wise makes transferring money fast, and sometimes — instant. We believe that:

You should always know how long your transfer’s going to take. So when you set up a transfer, you'll get an estimate for when your money should arrive.
You should always know where your money is. So keep track of your money by using our in-app Money tracker.
All transfers should be instant — we’re on a mission to bring you just that.

Send money instantly with the most international app

Looking for an app to send money instantly? Sending money is easy with Wise app.

Cheaper transfers abroad - free from hidden fees and exchange rate markups.
Check exchange rates - see on the app how exchange rates have changed over time.
Repeat your previous transfers - save the details, and make your monthly payments easier.

Learn more about the Wise app

Trustpilot score 4.1 out of 5, from 198,357 reviews

It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it.
Read our reviews at Trustpilot.com.

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Instant money transfers

Direct Debit fee

How long will a money transfer take?

How to send money abroad instantly?

Use our calculator to get an estimate for your transfer.

Choose the fastest payment option.

Complete the transfer.

How fast is instant?

Fast money transfers are easy

Send money instantly with the most international app

Wise works nearly everywhere

Trustpilot score 4.1 out of 5, from 198,357 reviews

Let's answer some of your questions

What affects the speed of my transfer?

How can I check the status of my transfer?

Why might a transfer take longer than estimated?

How can I send money faster?