Why is my ACH transfer using Wise taking longer than expected?

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.