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  • Help home
  • Receiving money

How long does it take to receive money into a balance?

How long it takes depends on the currency you receive.

Receiving USD

It takes 1 working day to receive a wire transfer, and 1–3 working days to receive money sent by ACH.

It usually takes 4–5 working days to receive money sent from outside the US, but it can take longer due to time differences, or multiple intermediary banks.

Find out more: How do I use my USD account details?

Receiving EUR

It usually takes 1–2 working days to receive money from SEPA countries and 4-5 working days to receive money via SWIFT payments.

Find out more: How do I use my EUR account details?

Receiving GBP

It usually takes seconds, sometimes up to 1 working day, to receive GBP if it was sent from the UK and 4-5 work days if it was sent from outside the UK.

Find out more: How do I use my GBP account details?

Receiving AUD

It usually takes 1 working day to receive AUD. You can only receive AUD from Australia. 

Receiving NZD

It usually takes 1–2 working days to receive NZD. You can only receive NZD from New Zealand.

Receiving PLN

It usually takes 1–2 working days to receive PLN. You can only receive PLN from Poland.

We’ve had to stop users getting PLN account details for the time being. If you already have PLN account details, you can keep using them as normal.

Receiving SGD

It usually takes up to 1 working day to receive SGD. You can only receive SGD from Singapore.

Receiving CAD

It usually takes 1–2 working days to receive CAD. You can only receive CAD from Canada.

Receiving TRY

It usually takes up to 1 working day to receive TRY. You can only receive TRY from Turkey.

Receiving RON

It usually takes up to 1 working day to receive RON. You can only receive RON from Romania.

Receiving HUF

Payments up to 10m HUF, will arrive in a few seconds. Payments above 10m HUF may take a bit longer — usually within a few hours on working days, or on the next working day during weekends.

You can only receive HUF from Hungary.

What if I haven’t received my money?

If you haven’t got the money within the timeframe specified for your currency, first check with the sender whether they used the correct account details.

If you’d like us to take a look, please send us a proof of payment so we can check it. This can be a receipt, bank statement, or a screenshot from an online bank showing:

  • sender’s name and account details

  • your name and account details

  • date they sent the money

  • amount they sent

We need to see all the above information in the one screenshot or document to be able to look into your problem.

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Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.