Why Was My Transfer Rejected?

Modified on Tue, 23 Jun at 3:05 PM

Transfers can be rejected by Wirex One, the recipient's bank, or the payment network. Here's what each reason means and what to do next.

Important: For complete visibility into every transfer, tap the transaction in your Activity and select More to view the full status timeline.

From the moment a transfer is initiated, it appears in your Activity with an amber status — updating automatically at every stage, from Payment Scheduled through to Sent to Recipient's Account.

Should a transfer be delayed, failed, or rejected at any point, the timeline reflects this instantly — showing exactly where and why, so you're always in control.

Bank Transfer (SEPA / ACH / Faster Payments)

Incorrect account details

The most common reason. Double-check:

SEPA: IBAN and BIC/SWIFT
ACH: account number and routing number (ABA)
Faster Payments: account number and sort code

A single incorrect digit will cause the transfer to fail or be returned.

Recipient bank rejected the payment

Some banks reject incoming transfers for their own reasons — account closed, account frozen, or the bank doesn't accept transfers of this type. Ask the recipient to check with their bank.

Name mismatch

Some banks verify that the account holder name matches the name provided. If the names don't match, the transfer may be rejected. Ensure you enter the recipient's name exactly as it appears on their bank account.

Wrong currency

SEPA transfers must be in EUR, ACH in USD, and Faster Payments in GBP. Sending in the wrong currency will cause the transfer to fail or convert unexpectedly.

Debit or Credit Card

Unsupported card type

Only Visa and Mastercard are supported for card transfers. Prepaid cards and American Express are not accepted.

Incorrect card number

Check that the card number was entered correctly. Card numbers are validated on entry — if it passes validation but the transfer still fails, the card issuer may have rejected the credit.

Card issuer rejected

Some card issuers do not accept card transfer payments. This is outside Wirex's control. Ask the recipient to check with their card issuer or use an alternative send method.

Onchain Transfer

Wrong address or network

Warning: Funds sent to an incorrect address or via an unsupported network cannot be recovered. Always verify the wallet address, network, and Memo before confirming.

Unsupported token

Only USD- and EUR-based stablecoins are supported for onchain transfers from Wirex One.

What to do if your transfer was rejected

Check your Activity — the transaction will show a Failed status with a reason where available.
Verify the recipient's details and retry with the correct information.
If the rejection reason is unclear or you believe it's an error, contact Wirex One support with the transaction reference.
Returned funds will appear back in your account balance within 1–5 business days depending on the network.

FAQ

Will I be charged if my transfer was rejected?

If the transfer was rejected before processing, no fee is charged. If it was returned after processing, the original fee may apply — contact Wirex One support to confirm.

How long does it take for returned funds to appear?

Typically 1–3 business days for bank transfers. Onchain transfers that fail before broadcast are reversed immediately.

How do I check the detailed status of my transfer?

Tap the transaction in your Activity, then tap More to expand the full status timeline — you'll see every stage in real time.

What stages does a transfer go through?

Once initiated, a transfer moves through the following stages: Payment Scheduled → Funds Deducted from Wallet → Transfer Confirmed → Sent to Recipient's Account.

What does it mean if my transfer failed?

The status timeline will show exactly at which stage the transfer failed. Check the reason shown and retry with the correct details, or contact Wirex One support if the issue is unclear.

What does it mean if my transfer was rejected?

A rejection can occur at any stage — on Wirex One's side or the recipient's bank. The timeline will indicate where the rejection happened, making it easier to understand next steps.

Will I be notified when my transfer is complete?

Your Activity updates automatically once the transfer reaches its final status. Tap the transaction at any time to see the latest stage.

Can I resend to the same recipient after a rejection?

Yes — correct the details, delete and re-add the recipient if needed, and retry the transfer.

My transfer was returned but I haven't received the funds back.

Allow up to 5 business days. If the funds haven't returned after that, contact Wirex One support with the original transaction reference.

I don't know why my transfer was rejected — who can help?

Contact Wirex One support via the Help Centre or in-app chat with the transaction reference and we'll investigate.

Still have questions?

Our support team is here to help

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