Here are some solutions to the most common problems that people have when paying by bank debit (ACH). Just choose the problem that applies to you to learn more.
I can’t log in to my bank account
I don’t want to provide my bank login details
I paid but the money hasn’t left my account yet
I don’t see the option to pay by bank debit
It says I have insufficient funds, but I have enough in my account
I haven’t got the code to verify my bank login
I've used this bank account before, but it won't connect
If you have a problem logging in to your bank account on the payment method step of setting up a transfer, try this first:
If none of those things work, choose All other banks on the payment method step. You’ll need to enter your bank account and routing numbers manually.
If you’re still having problems logging in, choose Verify account another way. You can then link your account using microdeposits.
Choose Verify account another way below the list of banks on the payment method step to link your account using microdeposits.
It will take 1–2 business days to link your account this way.
It can take up to 4 business days for money to leave your bank account, depending on your bank. Just make sure you’ve authorized your payment on TransferWise.
You can only send 15,000 USD per day, or 10,000 per day if your address is in Nevada or Hawaii.
If you try to send more than this, you won’t see the option to pay by bank debit. You can always pay another way, or send several, smaller payments over a couple of days.
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 by bank debit (ACH) until the other payments clear. Try paying another way if you need to send money urgently, or wait a few business days.
Try getting the code by email instead. If that doesn’t work, you’ll need to get in touch with your bank to see what’s going wrong. You may need to update your details with them, or try again later.
Sometimes, paying from a saved bank account can cause an error. You can try paying as though you're adding this bank account for the first time to reverify it with us.