LV (Low Value) takes 2 to 5 business days, not including weekends and bank holidays (banks do not operate on these dates)


HV (High Value) takes 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. It is capped at $10 regardless of the transfer amount. 


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.