Here are some solutions to the most common problems that can happen when paying with a connected bank account (ACH). Just check the relevant scenario to learn more.
Connecting your account
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.
On business accounts, if you're able to set up transfers and you use ACH, you must verify the bank account yourself as you can't use the account verified by another business user.
Learn more about adding or deleting connected bank accounts
I can’t log in to my bank account
If you have a problem logging in to your bank account:
make sure that your login details are correct
use the login details for 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
you might need to contact your bank to reset your password or give additional information to log in
make sure you're using a bank account in the US — you can't connect USD bank accounts in Canada
I haven’t got the code to verify my bank login
If you're not getting a SMS/email/phone call from your bank for 2-step verification, check with your bank to make sure they have the right contact details. The verification code comes from them, not us.
You can also try getting the code another way, such as by email.
Why am I being asked to reconnect a bank account I’ve paid from before?
This usually happens because your account balance doesn’t have sufficient funds to pay for your transfer. If you do have enough money in your account, then reconnecting refreshes your account balance. It can take up to a working day for the balance to refresh before you’re able to try again.
Sometimes, this happens because your bank needs you to re-verify your bank account connection to keep it secure.
We’ll usually ask to re-verify your account while you’re making a payment, but if this fails, you can fix it by adding this bank account like for the first time.
Unable to pay
I don’t see the option to pay with my connected bank account (ACH)
You may have reached a payment limit for ACH
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 your address is in Nevada you can only send 50,000 USD per day, or 10,000 USD per day
If you try to send more than this, you won’t see the option to pay with your connected bank account (ACH). You can always pay another way, such as with a 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 with your connected bank account (ACH) until the other payments clear.
If you need to send money urgently, try paying another way, such as with a wire transfer or you can wait a few business days for your payments to clear.
Payment speed
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 completed your payment on Wise.
Why is my ACH payment slower than before?
In general, ACH payments can take up to 4 working days to clear. Your payment can take longer to process because of the time it’s taking to reach us from your bank. There’s no way to speed this up but we’ll notify you once your payment is received.
If you verified your bank account with microdeposits, then it may take longer to process your payment. To try to speed this up, you can try reconnecting your bank account using instant account verification with your banking username/password.