[paraselene_]

"since transfers are close to instant" for US, no?

ACH pull/push takes days to get credit either way, wire is faster but still no where close to instant? I know SEPA "can" be instant, but AFAIK wise doesn't do (near)instant transfers to/from US.

[csomar]

I don't know but ACH times have been variable for me from almost instant (few minutes) to a few days. But for Wise, it's usually a 10 minutes window.