The way you pay for your transfer, the delivery method you chose, the time and day of week and security reviews all affect how long it could take for your transfer to reach your recipient.
This article explains how these factors affect the processing time of your transfer.
The way you pay for your transfer
The quickest way to pay for your transfer is by credit or debit card, or by cash in a Ria branch. When you pay by credit or debit card, your money normally arrives with us in 15 minutes to 6 hours.
A bank account funded transfer is usually the least expensive way to pay, but it might take up to 4 business days for the money to reach us.
If you're paying by cash, please allow one business day from when we receive your payment for your transfer to be processed. We will cancel your order if we don't receive payment within one day of your transfer being confirmed.
- Time sensitive transfer? The fastest way to pay is by credit or debit card, or by cash in a Ria branch.
The delivery method you choose
Funds should be available in your bank account or mobile wallet, or available for cash pickup, as soon as they’re released or paid for, depending on your payment method.
If you're sending the transfer to your recipient's home, remember to allow extra time for delivery.
- Track your transfer to understand when it will reach your recipient.
Time and day of the week
Some currencies can only be transferred during business hours. Weekends, public holidays and local business hours might mean that there's a delay in the transfer reaching your recipient.
The time of day that you send money, holidays and weekends might also mean that money can't be delivered to your recipient's home, or that they're unable to collect a cash pickup transfer.
- Try to factor in weekends, public holidays and local business hours when you send money.
We know that this can be frustrating but, as a financial service provider, the way we’re regulated means that we need to follow strict procedures to keep your money safe.
- Keep an eye on your inbox; we'll email if there's anything we need from you.