How long does a wire transfer take

A wire transfer usually takes a few hours to one business day for domestic transfers, and one to five business days for international transfers.

The exact time depends on several factors. Domestic wire transfers within the same bank can be completed in minutes to a few hours. Transfers between different banks in the same country generally settle the same day if initiated before the bank’s daily cut-off time, or within one to two business days if sent later. International wire transfers often take one to five business days, as they may pass through multiple intermediary banks and require currency conversion.

Delays can occur due to missed cut-off times, weekends, bank holidays, or additional compliance checks for large amounts or incomplete recipient details.