Hi there! I understand you're concerned about your transfer of £253 that left your NatWest account but hasn't arrived in your Wise account yet. Let's see if we can clarify what's happening.

Firstly, can you let me know if this transfer was initiated on a weekend or a public holiday? Sometimes transfers can take longer depending on when they are sent. Additionally, did you receive a confirmation from Wise after making the transfer?

In general, while NatWest uses the Faster Payments system for UK transfers, the money can sometimes take up to 2 hours to clear. If it was initiated later in the day or on a non-business day, it might take a bit longer than expected. You can check the typical times for transfers through this Wise Help Centre link.

Please share any details you have so I can help you better!

It was today- a week day

Thank you for the additional information! Since today is a weekday, the transfer should ideally be processed quickly. However, there are a few reasons this might be delayed. Let’s troubleshoot further:

1. Transfer Timeline: According to Wise, most UK bank transfers via Faster Payments should clear within a few hours on a weekday, but it can take longer sometimes depending on various factors. You can read more about this in their Help Centre here .

2. Account Verification: Sometimes, if there are security checks or verification issues, the transfer may take longer. You can verify if your Wise account has any notifications or alerts regarding this.

3. Status Check: It's good to check the current status on Wise's system. You can look at this Wise Status Page to see if they are experiencing any system-wide delays that could be affecting your transfer.

4. Contacting Support: If you still don’t see the funds in your Wise account after considering these points, it might be helpful to contact Wise support directly for a detailed investigation. You can reach out to them at [email protected].

Can you let me know if any of these steps help clarify the situation? Are you satisfied with this guidance?

Usually the transfer takes a couple of minutes. Now it's over an hour and the money still has not arrived!!!

I can see why that would be concerning, especially since transfers are usually so quick with Wise. Since it has been over an hour, let’s explore a few potential reasons that could be causing the delay:

1. Bank Processing Issues: Sometimes, the recipient's bank (in this case, Wise) may experience delays in processing the transfer. Even though the money has left your NatWest account, it may still be in transit due to how banks process transfers.1

2. Incorrect Details: If there was any mistake in the transfer details, such as the reference number or account information, this could also result in a delay. Wise might still process the payment, but it may not reflect in your account correctly.1

3. Transfer Status: I recommend checking the status of your transfer in the Wise app. You might find more details there about what's happening or any issues that have arisen.1

4. Contacting Support: If you don't see any updates after checking the above points, contacting Wise support might be the best course of action. They will be able to look into your specific transfer in their system. You can email them at [email protected] for further assistance.

Hopefully, one of these steps helps! Are you satisfied with this guidance? If you need any more assistance, feel free to ask!

I can't check on the transfer inWise, as it is not listed there, as it has not arrived. I also had no notification from Wise about this transfer.

I appreciate your patience. Since your transfer isn't showing in your Wise account and you haven't received any notifications, let's consider a few specific steps you can take to address the issue:

1. Transfer Receipt: Please check with NatWest if you can obtain a receipt or confirmation of the transfer. This will have important details that can help identify the transaction's status and can be shared with Wise support if needed. You can read more about this in Wise's Help Centre .

2. Check Email and Spam: Since Wise usually sends notifications regarding transfers via email, please double-check your inbox (including spam or junk folders) for any emails from Wise regarding the transaction. You can find information about Wise's notification process here .

3. Contact Support: Given that the transfer has not arrived and isn't showing in your account, I recommend reaching out to Wise support directly. Provide them with details of the transaction, like the amount, date, and bank you transferred from. You can reach out via email at [email protected].

4. Double-check Details: If there was an error in the recipient details when you scheduled the transfer, Wise may not recognize it and, therefore, not process it. Review any receipts or confirmation you have from NatWest to see if the details match your Wise account.1 .

Let's get this resolved for you! Are you satisfied with this guidance, or is there anything else you'd like me to assist you with?

Nat West has definitely sent it. I got a notice that the money left the account at 19:19. The details are saved at Natwest, because I have made many transfers that way. So, the account details are correct.

Thank you for your patience. Since you’ve confirmed that NatWest has processed the transfer and that the details are correct, there are still a couple of possibilities to consider:

1. Transfer Processing Time: Even though it left your account at 19:19, it can sometimes take longer than expected for the receiving bank (Wise in this case) to process the funds. While the Faster Payments system generally allows for quick transfers, occasionally delays can occur due to bank processing times 2.

2. Missing in Wise Account: If the transfer is not showing in your Wise account at all, it might indicate an issue with how the transfer was set up or processed. It’s very important to follow up with Wise directly because they will have the capability to trace where the funds are. As I mentioned before, providing them with the transaction details like the amount, the time it left your NatWest account, and any reference number can expedite their investigation. You may contact support at [email protected] for this.

3. Double-check Banking Systems: Sometimes, while the funds have left your NatWest account, the receiving bank (Wise) might need time to reflect that in your account. Also, keep in mind that if you have set a payment reference or any additional identifiers, these can sometimes help rectify or speed up reconciliation.

I hope this clarifies your situation. Are you satisfied with this guidance, or is there anything else you'd like to discuss?