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See how long it takes to send or receive money

For the best Google Wallet experience, we recommend using a debit card for all transactions. With a debit card, sending and receiving money is almost always instant.

Transaction times vary depending on the type of payment method you use.

Sending money

Debit card (usually instant)

When you send money using a debit card, your account will usually be charged within minutes. In rare cases, you may not see the charge on your account for up to 24 hours. If you cancel the transaction, the money will be returned to your account instantly.

Bank account (can take longer)

When you send money using a bank account, your account will usually be charged within minutes. In rare cases, the money may not be taken out of your account for up to 4 days. If you cancel the transaction, it’ll take 7–10 days for the money to appear in your account.

Wallet Balance (usually instant)

When you send money from your Wallet Balance, the money will usually be taken out of your balance instantly. If you cancel the transaction, the money will be returned to your balance instantly.

Receiving money

Debit card (usually instant)

Money usually appears in your account within minutes when: 

  • Someone sends it to you and a debit card is set as your default payment method. 
  • You manually transfer money to a debit card. 

In rare cases, it may take up to 24 hours for the money to appear in your account.

Bank account (2-3 days)

Money usually appears in your account in 2-3 days when:

  • Someone sends it to you and a bank account is set as your default payment method. 
  • You manually transfer money to a bank account. 

Wallet Balance (usually instant)

Money usually appears in your Wallet Balance instantly when:

  • Someone sends it to you and Wallet Balance is set as your default payment method. 
  • You manually transfer money to a Wallet Balance.

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