This article outlines typical transfer times and cutoff rules for each payout method.
All times are estimates and may vary based on receiving banks, local holidays, and compliance reviews.
Important Notes
Cutoff time referenced below is 12:00 PM PST, unless otherwise stated.
“Business days” exclude weekends and bank holidays.
Some methods depend on the receiving bank or issuer for final settlement timing.
Crypto transfers depend on network confirmations and congestion.
Bank Transfers – United States
ACH Same-Day
Typical time: Same business day
Cutoff: Submit before 12:00 PM PST. After cutoff, processed next business day.
ACH Next-Day
Typical time: 1 business day
Cutoff: Submit before 12:00 PM PST. After cutoff, add 1 business day.
RTP (Real Time Payments)
Typical time: Seconds to minutes
Availability: 24/7, no cutoff
Note: Receiving bank must support RTP.
Same Day Bank Deposit
Typical time: Same business day
Cutoff: Submit before 12:00 PM PST. After cutoff, next business day.
Next Day Bank Deposit
Typical time: 1 business day
Cutoff: Submit before 12:00 PM PST. After cutoff, add 1 business day.
Bank Transfer (Local)
Typical time:
Before 12:00 PM PST: Up to 2 business days
After 12:00 PM PST: Up to 3 business days
Bank Wire (Domestic)
Typical time: Same day to 1 business day
Note: Cutoff dependent. Typically same day if submitted before bank cutoff.
Bank Wire (International / SWIFT)
Typical time: 1 to 5 business days
Note: Depends on correspondent banks, FX processing, and compliance reviews.
Europe
SEPA Credit Transfer
Typical time: 1 business day
Note: EUR transfers within SEPA zone. Subject to bank cutoffs.
Faster Payments (UK)
Typical time: Seconds to 2 hours
Availability: 24/7 for most banks.
BACS (UK)
Typical time: 3 business days
Note: Batch-based scheme. No weekend processing.
Canada
Interac e-Transfer
Typical time: Minutes to a few hours
Note: Usually near-instant. Bank dependent.
Asia-Pacific
PIX (Brazil)
Typical time: Seconds
Availability: 24/7
Note: Near-instant settlement.
UPI (India)
Typical time: Seconds
Availability: 24/7
Note: Near-instant settlement.
PayNow (Singapore)
Typical time: Seconds to minutes
Availability: 24/7
United States – Alternative Methods
Zelle
Typical time: Minutes to same day
Note: Bank dependent. New recipients may experience delays.
Push to Card
(Visa Direct, Mastercard Send, UnionPay Push)
Typical time: 30 minutes to 24 hours
Note: Often near-instant. Issuer dependent.
Wallets
Mobile Money
Typical time: Seconds to minutes
Availability: 24/7 if wallet is active
Note: Country dependent.
Mobile Wallet
Typical time: Seconds to minutes
Note: Near-instant once accepted by recipient.
Cryptocurrency
USDT (TRC20 / ERC20 / BEP20 etc.)
Typical time: ~1 to 30 minutes
Note: Network confirmation dependent. Congestion may cause delays.
USDC
Typical time: ~1 to 30 minutes
Note: Network confirmation dependent.
Bitcoin (BTC)
Typical time: 10 to 60+ minutes
Note: Depends on fee level and number of confirmations.
Ethereum (ETH)
Typical time: 1 to 15 minutes
Note: Network congestion dependent.
Other Crypto
Typical time: 1 to 60 minutes
Note: Depends on blockchain and required confirmations.
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