⁰Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Additional restrictions may apply. See Terms and Conditions for details.

¹The initial transfer can take up to five days pending KYC validation, with subsequent transactions to the same Receiver bank account number occurring on the same day.

²China: Real-time transfers are available to accounts with an associated UnionPay debit card number beginning “62”. Transfers to certain accounts may only be sent during China bank processing hours from 7.30 pm to 9.45 am Eastern Time. For first-time receivers, transfers may be delayed as we may need additional information from the account holder.

³China: The initial transfer may take up to five days pending Receiver registration, with subsequent transactions to the same Receiver bank account number occurring within minutes.

⁴First time Receivers must register.

⁵India: Real-time transfers are available for UPI money transfers up to 100,000 INR and for amounts less than 200,000 INR sent to receiving banks with IMPS services, including State Bank of India, ICICI Bank Limited, HDFC Bank, Axis Bank, Punjab National Bank and Bank of Baroda. Sums larger than 200,000 INR will arrive the next day by NEFT.

⁶Indonesia: Real-time transfers are available to BRI, BNI, BCA and Bank Mandiri. Funds will reach most other banks in Indonesia on the same banking day for amounts less than 10m IDR. Funds will generally reach a receiver’s bank account on the same banking day for transfers sent before 11 am Eastern Time.

⁷Mexico: Real-time transfers are available to Banamex, Bancomer, Santander, Azteca, Bancoppel, HSBC and Scotiabank. For other banks, funds will generally arrive on the same banking day for transfers sent before 2.35 pm Eastern Time.

⁸Morocco: Funds will arrive on the same banking day for transfers to Banque Centrale Populaire (BCP) sent before 8.15 am Eastern Time.Funds will arrive the next banking day for transfers sent to other major banks including Al Barid Bank, Attijariwafa Bank and BMCE Bank before 8.15 pm Eastern Time.

⁹Nigeria: Real-time transfers are available to major banks including First Bank of Nigeria, Guaranty Trust Bank, United Bank for Africa PLC and Diamond Bank.

¹⁰Pakistan: Real-time transfers are available to major banks including Habib Bank Limited, National Bank of Pakistan, Meezan Bank, Faysal Bank, Askari Bank and United Bank Limited. In the event of a receiver name mismatch, account mismatch or account requiring repair, delivery may be delayed.

¹¹ Philippines: Real-time transfers are available to Banco De Oro (BDO), Bank of the Philippine Islands (BPI) and Land Bank. For first-time BPI receivers, it may, however, take up to 2 hours. Funds sent to Land Bank between 10 am and 1 pm Eastern Time may also be delayed.

¹² United States of America: Funds will reach most banks in the US by the next banking day for transfers sent before 4 pm Eastern Time.