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How long does it take?

We always move your money as quickly as possible. You can see an estimate of how long it’ll take by putting some basic details into our transfer calculator.

But when you actually set up your transfer on TransferWise, your estimate will change. The reason for this is simple — the more information we have about your transfer, the more accurately we can tell you how long it’ll take. And it depends on these four things:

1. The countries you’re sending from and to — every currency and country is different. Converting your money can take a maximum of two working days, but it's very rare that it takes this long. And how quick your transfer arrives depends on how quickly your recipient’s bank can process your money, as well as the ways you’re able to pay in the country you’re sending from.

2. How you pay — some payment methods are quicker than others. For instance, card payments are normally instant, while bank transfers take longer. You’ll see how long each payment method takes when you set up your transfer. 

3. What time you pay for your transfer —  we can only handle your money during normal banking hours. And things may take a little longer if the country you’re sending to has a national holiday.

4. Security checks — We might need to see your ID before you send money. We call this process verification, and it helps us keep you and your money safe. Verifying your ID could add extra time to your transfer. To see whether you’re verified, visit your personal verification page.

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