View transfer times

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

Money you send to another Morse user arrives in under 5 seconds.

You can pay people who don't use Morse by sending money straight to their US account details, European IBAN, Mexican CLABE, or Brazilian Pix key.

In Europe, Mexico, and Brazil, payments arrive within a couple of minutes. In the United States, payments typically arrive within 4-24 hours.

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

Processing times depend on the blockchain network, and range from seconds to 10 minutes. Please check your Morse app for the estimated time for your specific token and chain.

SEPA is the network that handles euro bank transfers across Europe.

SEPA Instant transfers arrive in seconds. If your bank does not support SEPA Instant, a standard SEPA transfer may take up to 2 business days.

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

ACH transfers aren't processed on weekends or U.S. federal holidays. If you send a transfer at 9:00am on Saturday, it'll be pending until Monday morning.

* End of processing day refers to the latest time the recipient’s bank will credit the money, usually between 5:00 and 6:00 pm local time.