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Why is my ACH transfer using Wise taking longer than expected?
WiseACH TransferMoney Transfer IssuesBank DelaysInternational TransfersExpat FinanceTransfer TimesMoney Transfer Services
Mar 6, 2024
2 years ago
Michael **************
ORIGINAL POSTERIs anybody having trouble transferring money from the USA using wise. I setup a ACH transfer earlier which it states should take seconds. I get an email saying it may be up to 4 days. Just wondering how I go from just seconds to days.
Thanks all
Thanks all
TLDR : Answer Summary
Many users are experiencing delays with ACH transfers via Wise, which are typically expected to take only seconds but are instead taking several days. Common factors contributing to these delays include the amount being sent, potential bank holidays or weekends affecting processing times, and Anti-Money Laundering checks. Many users report that larger transfers often take longer to process. It is also noted that using different reasons for transfer can impact delivery times, suggesting that the sending and receiving banks' systems may be less responsive under certain circumstances.
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James *********
Depends on if they send via internet or by boat
Mike ********
Lash year it took seconds to send $2000 from US bank to Wise. Now same as you, 4-7 days
Michael **************
ORIGINAL POSTERSide by side. Both are the same amount difference is remitly I get in seconds compared to days
Michael **************
ORIGINAL POSTER@Mike *******
something is going on. But they are not saying. I have ask several times why they hold my money for 4 days. No answersMichael **************
ORIGINAL POSTERI agree. I just want to know who has my money. My bank says it gave to WISE. Wise said they see the transaction but not receive the money so someone is keeping the money
Mike ********
@Michael *************
I'm not worried about receiving it, but sometimes the rate is good and waiting loses a little baht...enough to cover feesReply to
Mike ********
Reply
Scott *********
Call company
Terary **********
That happens sometimes. For me once or twice a year. I have started transfers that said a few seconds, later I get an email that says a few days. I started a new transfer the next day for the same amount, got within a few seconds, the original transfer finally came through after a few days.
Michael **************
ORIGINAL POSTER@Terary *********
i tried doing another transfer same thing happen. I dont know whatvis going on but according to my bank record they recieved the money the same day i made the transaction but they still kept my money in their account for 3 days. Which i believe is against some banking laws.Reply to
Michael **************
Reply
Robert **********
Had to cancel it as I don't know
Roger *******
I had same problem with my linked bank account. Needed money so I tried another using my debit card, came through n 30 minutes. Larger fee though.
Gary *******
Its been 4 days all week for me and now it's 7 days. Typically under 10 seconds for my transfers
Misha ***********
What time of day and on which day did you send it ? I have only encountered delays with WISE when it’s either late at night or over a weekend when banks on either end (Canada /Thailand were not responsive …… it will always go through it just doesn’t happen right away in these circumstances though …….. and like Chris , in the comment above said …… send it in thai baht not usd .
Gary *******
@Misha **********
all week it's been 4 days when typically it's 10 seconds or less for me. I always use the baht conversionMichael **************
ORIGINAL POSTER@Gary ******
they took money out on ***
didn’t want to pay me until ***
that’s 3 days they have my money. That’s a little hard to take considering they say minutesGary *******
I just got an email saying Wise transferred it. Check my bank and it's there. So set it up Tues and received Friday night. I checked a pending transfer set up Thursday and Wise says delivery on Wed 4:00am.
Money already deducted from US bank. Very weird. Time to look for new service.
Money already deducted from US bank. Very weird. Time to look for new service.
Michael **************
ORIGINAL POSTER@Gary ******
agreeReply to
Michael **************
Reply
Alastair ********************
@Gary ******
just a thought but it could be your sending bank that's blocking the transaction (security) as opposed to wise.Gary *******
@Alastair *******************
thanks but my account was debited the transfer money 3 days ago. Wise now says 5:00am tomorrow morning.Michael **************
ORIGINAL POSTER@Gary ******
mine too but they took money from my accout 2 days ago. So im wondering why it has not showed up. I just canceled. Im not playing gamesAlastair ********************
@Gary ******
ah, ok hope it goes ok in the end.Reply to
Alastair ********************
Reply
Misha ***********
@Gary ******
I used wise a couple time a week it for a few years . Up until august when my gf was killed in her motorbike in august , so I’m not familiar as of late. Just speaking from my experience up till then . It’s seemed Weekends /evening were problematic for me . I hope your able to figure it out 🙏Gary *******
@Misha **********
thanks bro. I tried Remitly but I don't have a US address anymore and something else they required. I've seen your name on FB because we have many mutual friends. Singers and musicians mostly
Reply to
Gary *******
Reply
Michael **************
ORIGINAL POSTERI just used Remitly Took 2 minutes to fill out info transfer money in 20 seconds. I’m done with Wise this is the 3rd time since March of 2023
Bob *********
What reason did you pick for the transfer?
Michael **************
ORIGINAL POSTER@Bob ********
I tried several times using different reasons. Still the same thing. Their web page says ACH should only take minutes and when I inquired I was told I should plan to have extra money because it can take 4 days. Sounds like BS to meGreg ********
@Michael *************
they get to collect interest on your money while its "in transit"Reply to
Greg ********
Reply
Ian ********
Remitly 👌
Matthew ********
After you set up your account it is much quicker. My first transfer took a few days and then I got the debit card which took about another week.
Mark **********
OFX for larger transfers.
Mark **********
Used Remity out of Seattle >10 times never a problem and done in <one minute.
*************************
Matt *********
I gave up on Wise, didn’t work with my credit union.
I use Remitly app and works fine and easy
I use Remitly app and works fine and easy
Bill *********
I use pay pal .
Anthony ****
Same, now 4 days every time, used to be an hour or so
Gary *******
@Anthony ***
same now this week. Typically takes under 10 seconds for meSteve *******
@Anthony ***
hmmmmm that's odd - i was going to use them for my payroll but 4 days? that's BS> grrrrrrrrrrReply to
Steve *******
Reply
David ***************
Delivery times depends on a couple of things; when I give the reason for transfer as Long term stay in Thailand and there’s a Thai or US holiday/weekend, it takes 3-4 days. If I give a different reason for the transfer, it’s within minutes.
Rick *********
If you put reason for transfer as “long stay In Thailand”. It is longer than if you put “daily living expenses”.
Craig ********
wise and xe take over a week for me to actually get the funds in my Thai bank, every time, every month, for years, if I use ACH. A wire is faster but I'm not in a hurry.
Robert ***********
After years of transfers, one under
*****
bhat taking seconds and one over *****
bhat taking three days.the past three months my two monthly transfers have taken exactly six days.Glenn *****
@Robert **********
correct but when I asked wise denied itReply to
Glenn *****
Reply
Chris ****
I convert to Thai baht within Wise and then from there transfer to Thailand. Takes only a few minutes. But when I go from USD to Thai bank without that extra step it takes days.
Robert *****
REMITLY dot. com.
Takes 8 seconds
Takes 8 seconds
Gary *******
@Robert ****
I tried them but need a USA address and something else that I don't have. Typically Wise is 8-10 seconds except this weekReply to
Gary *******
Reply
Will ************
Anti Money Laundering checks
Jeffrey *********
I sent $3k this morning from my US credit union to Kasikorn and it took about 5 seconds as usual.
Gary *******
@Jeffrey ********
4 days all week for $500. Now 7 daysReply to
Gary *******
Reply
Sean ********
It tends to be around 4 days for larger sums. It is a bit annoying because I have gotten that "it should arrive in seconds" prompt followed by "4 days to complete transfer" after I have already initiated it. So yeah... Wise is not accurate in this way unless it is with smaller amounts
Keith ********
@Sean *******
what is the largest sum you can send ?Steve **********
@Sean *******
with large amounts × many customers they ( someones ) getting the interest.Brian **********
@Steve *********
are you saying that they deliberately delay the transfer so they can make interest on the moneySteve **********
@Brian *********
and 2008 was a glitch. Yet Epsteins buddy Larry Summers et al made $B'sBrian **********
@Steve *********
I don’t know if they earn interest from money that is in transit but I doubt it. It’s usually at the receiving bank where the delays if any occurs, sometimes it’s bank holiday or their systems are down or the amount being transferred is subject to regulatory approval, but any money transfer company that repeatedly suffered delays for the reason would soon be out of business. I’ve used several companies in the past and for the combination of rate, speed and reliability then Wise is the best I’ve experienced. PayPal is instant usually but their exchange rate stinksSteve **********
@Brian *********
repeat what I got years ago from B of A. Transfers take seconds.of sun or holiday sent to other destination fir that period. Always someone paying int by the nanosecond. Transfer fees are all a function of the " club ".
Example: was
Exch US for Thai baht..large amount
At Super Rich ( best ) asked best rate. best rate have amount. asked if had $ with me..no, she said best rate in her hand , with buyer on phone to Japan..got cash, she had phone.... confirmed. Given great rate .
Brian **********
@Steve *********
we are happy with our arrangements 😊Steve **********
@Brian *********
in US ,they used to call it ' kiting ' made illegal in US ? Any money sitting anywhere is earning interest, even by the nanosecond.
I guess Q is :
What-da-you think ?
Reply to
Steve **********
Reply
Steve ***************
Data cables under the Red Sea have been cut/damaged causing Internet problems throughout Asia. Good report on BBC online news channel if you want to read about the details.
Michael **************
ORIGINAL POSTERGuys. Thanks
Michael **************
ORIGINAL POSTER@Steve **************
thank youReply to
Michael **************
Reply
Christopher *************
Normally 3 or 4 days, don't worry it will get there.
Richard ******
That wonderful Taxman you have!
John ********
@Richard *****
huh?Reply to
John ********
Reply
Dirk **************
It depends on the amount you send. If it is up to US$ 1000 it is usually in seconds, if you send more it is usually longer. But sometimes there are glitches. But generally I have been very happy with them.
David **********
@Dirk *************
I just did a Wise transfer of $500 to Thailand that arrived instantly.Reply to
David **********
Reply
Nigel *********
I often ( but not always) have issues with us bank accounts.
Reply to
Nigel *********
Reply
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