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 Interest balances or Jars.
Read more about how the processing time works
Move money to a Cash balance or Jar
You can have separate pots of money:
a separate Interest balance or Jar where you can earn a return
a balance or Jar without Interest, 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 your Interest balance or Jar to Cash
Alternatively, you can just change your Interest balance or Jar to a regular cash one.
In the web or app:
Select Interest on your balance or Jar
Select Change this balance
Select Cash
It can take up to 2 working days to move money between Interest and cash, or to change your whole Interest 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 money without the processing time the same day you add it. 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.