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How long does it take to receive each currency into my Wise account?

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 currencies take?

Payments are generally 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.

Check the table to see how long your currency might take.

CurrencyDomestic paymentInternational payment
AUDUsually a few minutes, sometimes up to 1 working dayUsually 1 working day, sometimes up to 5 working days
CADUsually a few hours, sometimes up to 1 working dayUsually 1 working day, sometimes up to 5 working days
EUR*Usually a few minutes, sometimes up to 1 working dayUsually 1 working day, sometimes up to 5 working days
GBP*Usually a few minutes, sometimes up to 1 working dayUsually 1 working day, sometimes up to 5 working days
HUFInstant for payments under 10 million HUF, a few hours for payments over 10 million HUFUsually 1 working day, sometimes up to 5 working days
MYRUsually a few hours, up to 2 working daysYou can only receive MYR from Malaysia
NZDUsually a few hours, up to 2 working daysUsually 1 working day, sometimes up to 5 working days
PHPUsually instant, or up to 2 working daysYou can only receive PHP from the Philippines
PLN*Usually a few minutes, sometimes up to 2 working daysUsually 1 working day, sometimes up to 5 working days
RONUsually a few minutes, sometimes up to 2 working daysUsually 1 working day, sometimes up to 5 working days
SGDUsually a few minutes, sometimes up to 1 working dayUsually 1 working day, sometimes up to 5 working days
TRYUsually a few minutes, sometimes up to 1 working dayYou can only receive TRY from Türkiye
USDUsually within hours, and up to 4 working days for ACH transfers. Usually within minutes, and up to 1 working day for wire transfersUsually 1 working day, sometimes up to 5 working days

*EUR: This also applies when receiving non-EUR currencies by Swift to your EUR details

*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


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.

Read more here on why your money might not have arrived

Why do international Swift payments take longer to receive?

Swift payments can take up to 5 working days to reach your Wise account. This is because they often have to pass through several banks on the way. Please wait at least 5 working days before contacting us.

If it's been longer than 5 working days:

  • 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, an MT103, with our team

  • Wait for our team to review your document and get back to you by email

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