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  • Problems paying by bank debit (ACH) in the US

Problems paying by bank debit (ACH) in the US

Here are some solutions to the most common problems that people have when paying by bank debit (ACH). Just choose the problem that applies to you to learn more.

How do I add or delete a connected bank account?

When you make an ACH payment by connecting your bank account, we automatically save your account details for future use.

Learn more about how to add or delete connected bank accounts

I can’t log in to my bank account

If you have a problem logging in to your bank account on the payment method step of setting up a transfer, try this first:

  • check that your login details are right — they should be the details you use to log in to your bank account, not your Wise account

  • check whether your bank account allows you to sign in on third parties like Wise — you may need to set up 2-step verification to do this

  • if you need to reset your password or give additional information to log in, you might need to get in touch with your bank

If none of those things work, choose All other banks on the payment method step. You’ll need to enter your bank account and routing numbers manually.

I paid but the money hasn’t left my account yet

It can take up to 4 business days for money to leave your bank account, depending on your bank. Just make sure you’ve authorized your payment on Wise.

I don’t see the option to pay by bank debit (ACH)

You can only send 50,000 USD per day, or 10,000 USD per day if your address is in Nevada.

You can only send 250,000 USD over a 60 day period on your personal account and up to 400,000 USD on your business account.

If you try to send more than this, you won’t see the option to pay by ACH bank debit. You can always pay another way, such as Wire transfer.

It says I have insufficient funds, but I have enough in my account

Your bank will check all of the debits you’ve made from your account in the last 4 business days. So, if you’ve made other payments in the last few days, it might show that you have insufficient funds.

You won’t be able to pay by bank debit (ACH) until the other payments clear. Try paying another way if you need to send money urgently, or wait a few business days.

I haven’t got the code to verify my bank login

Try getting the code by email instead. If that doesn’t work, you’ll need to get in touch with your bank to see what’s going wrong. You may need to update your details with them, or try again later.

I’ve paid from this bank account before, but now it won’t connect

Sometimes, paying from a saved bank account can cause an error. You can try paying as though you’re adding this bank account for the first time to reverify it with us.

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