Since Wise started using Plaid, which my bank doesn't use, my transfers have taken 5-7 days over the past 9 months. They claim the delay is because it takes longer for them to receive the money from my bank. I call it bulls**t. My last transfer was set up on Jan. 17 at 11:52 pm. The amount was deducted from my US account the same day, yet Wise claims they didn't receive it until Wed. Jan 22. The next day, I received the transfer.