Transfer Times 

In some countries, we process payments using whats called Low Value or LV (Low-Value). These transfers typically take 2 to 5 business days, not including weekends and bank holidays (banks do not operate on these dates). LV transfers are typically free.

For other countries we process High-Value or HV. These take 1-3 business days for domestic US and 2-10 business days for exotic currencies, not including weekends and bank holidays (banks do not operate on these dates). There may be a fee imposed on HV transfers imposed by the banks. 


When transferring money to a bank, XTRM chooses the lowest cost and fastest route for you. Some countries have lower-cost bank transfers than others. If there is no low-value (LV) cost route available then we will send via high-value (HV) i.e. SWIFT or WIRE. When you link your bank, if LV is available we will connect using that method. LV is typically free for transfers. If no LV route transfer method is available then we will link your bank HV (Wire) and a bank fee may apply during the transfer. 

Caution: Please be very diligent when entering your bank information. Errors in your account details including your address can cause transfers to be rejected and returned to your wallet. Returns can take up to 3 weeks depending on what country the transfer was sent to. 

My bank link still says 'Pending' after a few days or more.

Please read THIS

More Information on Bank Transfers

Bank transfer can take from 2 to 5 days. This does not include weekends and bank holidays when banks are closed.

Exotic currencies can take up to 2 weeks.

XTRM has no control over the time transfers take to receive. (We wish we did!)

After you transfer, there are only 2 outcomes:

1. The bank details are correct and it will be successful

2. The bank details are wrong and it will return

Please read these points:

  • 99% of failed transfers are caused by incorrect bank details. Please be really careful when linking.
  • 1% are rejected for compliance.
  • We don't know if it has failed until it is returned. There is no way around that. That is the way transfers work.
  • Returns take time, anywhere from a few days to a few weeks, or sometimes even longer for foreign transfers.
  • We can request a bank trace but that often takes longer than waiting for a return.
  • Once funds return we instantly credit the users' wallet and notify them via email of the issue.
  • Users with returns need to delete and carefully relink their bank.
  • In some cases, we will delete their bank for them.