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How long do transfers take?

Learn how long different types of transfers take

Updated this week

Our goal at Sling Money is to make sending money around the world as fast as possible.

Peer-to-peer transfers

Sending money to another Sling Money user takes under 5 seconds.

Adding or withdrawing money

Adding money to or withdrawing money from your Sling Balance typically takes under 5 minutes. To withdraw to some banks, it may take 1 to 2 business days.

European bank transfers

SEPA Instant transfers are completed in seconds. If you bank does not support SEPA Instant, regular SEPA transfers may take up to 2 business days.

American bank transfers

ACH (Automated Clearing House) is a payment network used for electronic bank transfers in the United States. Sling Money supports both Next-Day ACH and Same-Day ACH.

Next-Day ACH

Transfer initiated by

Funds expected

By 02:15 AM ET

Next business day

By 08:30 AM ET

Next business day

Same-Day ACH

Transfer initiated by

Funds expected

By 10:30 AM ET

By 1:30 PM ET same day

By 2:45 PM ET

By 5:00 PM ET same day

By 4:45 PM ET

By end of processing day*

* End of processing day refers to the latest time the recipient’s bank will credit the funds, usually between 5:00 and 6:00 p.m. local time, though some banks may operate with extended hours.

✏️ Reminders

  • ACH transfers are not processed on weekends or U.S. federal holidays, so if you send a transfer on 9:00 a.m. on Saturday, it will remain pending until Monday morning.

  • These timelines are typical estimates. Actual processing times may vary slightly due to bank delays, system latency, or service outages

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