Sent money, or waiting on a deposit, and wondering when it will land? Here's how long things usually take, once we've accepted the payment and the details are right. It can take longer if a bank is closed, the other bank needs more time, or we need to take a closer look.
Adding money, converting a currency and paying someone are different steps, so they can take different amounts of time. If a payment shows as completed in your Calen activity, that means we've sent it on that route. The recipient's bank or wallet may still need a little time to credit them.
Personal and Business accounts don't have the same corridors. See Which currencies and corridors does Calen support?
The timings below only apply when that route is available to you. You'll also see an estimate on screen before you confirm.
Nigeria (NGN)
Money coming into your Calen NGN balance, and payouts to a Nigerian bank account, usually land in seconds to minutes, once the sending bank or payout route has accepted the payment.
It can still take longer if the name or account number doesn't match, or the receiving bank is having a problem.
US dollars (USD)
These are usual times for USD bank routes, on a US business day:
ACH: 1 to 3 US business days.
Domestic wire: Wires sent before the daily cutoff usually arrive the same US business day. After the cutoff, they usually arrive the next US business day. You'll see timing guidance in the app before you confirm.
RTP or FedNow: Usually seconds, once the payment is accepted, including outside normal banking hours.
This only applies when that route is available on your account, and when the recipient's bank takes part in it. Not every US bank accepts RTP or FedNow.
If you have a Business account, you can receive USD by ACH, FedNow and domestic wire, and send USD by ACH, wire or RTP. If you have a Personal account, you have a USD wallet and USD receiving details. Use the method shown on your account.
Weekends and US public holidays don't count as US business days for ACH and wire.
Canada (CAD, Interac)
Incoming Interac deposits usually arrive within minutes once the transfer has been sent and accepted.
For payouts to someone in Canada by Interac, the money is often very quick if the recipient uses Autodeposit. If they have a security question, it waits until they accept the transfer. If they don't accept it, Interac transfers can expire after about 30 days.
Sterling (GBP) and euro (EUR)
These payouts are for Business accounts.
GBP to a UK bank usually arrives in minutes, including in the evening or at the weekend. Sometimes it can take up to a couple of hours.
EUR by SEPA can be very quick if the recipient's bank takes SEPA Instant. Otherwise it usually arrives on the next business day. Weekends and public holidays can add time.
Personal accounts don't have sterling or euro at launch.
Mobile money
Payouts to mobile money usually arrive in minutes, once the operator has accepted them. Personal accounts can send to Ghana, Kenya, Uganda and Tanzania. Business accounts can also send to Benin and Côte d'Ivoire.
If the name or mobile number is wrong, the payout may fail or go to the wrong person. Check the details before you confirm.
USDC and USDT
Deposits and withdrawals in USDC or USDT often take a few minutes. It depends on the network.
We show the supported networks in the app when you deposit or withdraw. Send only the token and network shown on that screen.
Good to know: A conversion that has to finish before a payout can go out will add time. Bank cutoff times, weekends and public holidays can also slow a payment down.
Quick tip: If a payment is taking longer than you expected, get in touch and include the reference from your activity.
What's next: See My deposit has not arrived, My payment is pending or delayed, and How to contact Calen support.