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.
| Currency | Domestic payment | International payment |
|---|---|---|
| AUD | Usually a few minutes, sometimes up to 1 working day | Usually 1 working day, sometimes up to 5 working days |
| CAD | Usually a few hours, sometimes up to 1 working day | Usually 1 working day, sometimes up to 5 working days |
| EUR* | Usually a few minutes, sometimes up to 1 working day | Usually 1 working day, sometimes up to 5 working days |
| GBP* | Usually a few minutes, sometimes up to 1 working day | Usually 1 working day, sometimes up to 5 working days |
| HUF | Instant for payments under 10 million HUF, a few hours for payments over 10 million HUF | Usually 1 working day, sometimes up to 5 working days |
| MYR | Usually a few hours, up to 2 working days | You can only receive MYR from Malaysia |
| NZD | Usually a few hours, up to 2 working days | Usually 1 working day, sometimes up to 5 working days |
| PHP | Usually instant, or up to 2 working days | You can only receive PHP from the Philippines |
| PLN* | Usually a few minutes, sometimes up to 2 working days | Usually 1 working day, sometimes up to 5 working days |
| RON | Usually a few minutes, sometimes up to 2 working days | Usually 1 working day, sometimes up to 5 working days |
| SGD | Usually a few minutes, sometimes up to 1 working day | Usually 1 working day, sometimes up to 5 working days |
| TRY | Usually a few minutes, sometimes up to 1 working day | You can only receive TRY from Türkiye |
| USD | Usually within hours, and up to 4 working days for ACH transfers. Usually within minutes, and up to 1 working day for wire transfers | Usually 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