Wire transfer times vary depending on whether the transfer is domestic or international. Domestic Wire Transfers:

• Typically completed within the same business day if initiated before the bank's cut-off time, often around 2-3 PM local time

• Transfers between accounts at the same bank can be almost instantaneous or take less than 24 hours

• Generally, domestic wires take from a few minutes up to one business day, with most completing within 24 hours

International Wire Transfers:

• Usually take between 1 to 5 business days to complete

• The time depends on factors such as currency conversion, intermediary banks, compliance checks, and differences in banking systems and time zones

• Transfers between regions with direct banking relationships (e.g., North America to Europe) tend to be faster.
• Some banks offer expedited or same-day international transfers for a fee if initiated early and involving certain currencies or countries

• Delays can occur due to incorrect details, fraud checks, weekends, bank holidays, or slow-to-pay countries, potentially extending transfer times beyond five days or even up to 10 business days in rare cases

In summary, domestic wire transfers usually take less than 24 hours, often the same day, while international wire transfers generally require 1 to 5 business days, with possible delays depending on various factors.