Setting up an account on Wise is typically quick, taking about one day according to users. However, the initial money transfer can take longer due to security checks, often varying from 10 minutes to several days based on account verification. Users should also be cautious as there have recently been issues with card cancellations in certain regions, including the Philippines, which can affect transfers.
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Creating the account isn't an issue. But your first transfer is going to be slow as they are doing the authorizations and protecting themselves to make sure everything is legit and not a scam on your end.