If you're expecting a payment to your account details, you might want to know how long it takes to land in your balance.
The speed depends on:
what currency the money is sent in
what payment method the sender used
How long do the currencies take?
Check the table to see how long your currency might take. Payments are processed during working days, Monday–Friday, and within regular working hours. If the payment was sent over the weekend or a public holiday in the sending country, it should arrive on the next working day.
| Currency | Local transfer | Global/Swift transfer |
|---|---|---|
| AUD | 1-2 working days if sent from Australia | 4-5 working days if sent from outside Australia with Swift |
| CAD | 1-2 working days if sent from Canada. 1 to 4 working days for Direct Debit transfers | 4-5 working days if sent from outside Canada with Swift |
| EUR | 1-2 working days if sent from SEPA countries | 4-5 working days if sent from outside SEPA with Swift |
| GBP | 1 working day if sent from the UK | 4-5 working days if sent from outside the UK with Swift* |
| HUF | Instant for payments under 10 million HUF, A few hours for payments over 10 million HUF | 4-5 working days if sent from outside Hungary with Swift |
| NZD | 1-2 working days | 4-5 working days if sent from outside New Zealand with Swift |
| PLN | 1-2 working days* | 4-5 working days if sent from outside Poland with Swift. |
| RON | 1 working day | 4-5 working days if sent from outside Romania with Swift to GBP details |
| SGD | 1 working day | 4-5 working days if sent from outside Singapore via Swift |
| TRY | 1 working day | You can only receive TRY from Türkiye |
| USD | 1 working day for wire transfers. 1-4 working days for ACH transfers | 4-5 working days if sent from outside the US with Swift |
*GBP: This also applies when receiving non-GBP currencies by Swift to your GBP details
*PLN: You can keep using your PLN account details if you already have them, but we don't offer new account details
I’m waiting for a global Swift payment
Swift payments can take longer than regular payments, because they go through correspondent banks. We suggest waiting up to 5 working days.
Wise can’t speed up Swift payments, but if your payment is taking longer:
Make sure that you’ve shared the correct account details to your sender
Wait the estimated time. If it takes longer — share a proof of payment for your Swift transfer called an MT103 with our team
Wait for our team to review your document and get back to you by email
What if I still haven’t received my money?
If the timeframe has passed, and you didn’t get your money, you should always check with the sender first before you get in touch with us, as they can ask their bank.
If your money still hasn't arrived, follow the steps here and upload a proof of payment if needed.