If your funds haven’t arrived in your Aspire account, we understand how concerning that can be. This guide will help you understand standard transfer timelines, possible reasons for delays, and what you can do next.
Standard Processing Times for Inbound Transfer
Transfer timelines vary depending on the account type and transfer method. Please refer to the table below:
Account | Transfer Type | Timeline |
SGD Account | FAST transfer | Instant (up to 2 hours during periods of high volume) |
SGD Account | GIRO transfer | 4-5 business days |
SGD Account | MEPS transfer | 4-5 business days |
SGD Account | Local Telegraphic transfer | 4-5 business days |
SGD Account | Direct Credit Authorization | 4-5 business days |
SGD Account | SWIFT transfer |
|
USD Account | ACH transfer | 1-2 business days |
USD Account | ABA/FedWire transfer | 1-2 business days |
USD Account | SWIFT transfer |
|
EUR Account | SEPA transfer | 1-2 business days |
EUR Account | SWIFT transfer |
|
GBP Account | FPS or CHAPS transfer | 1-2 business days |
GBP Account | SWIFT transfer |
|
Ensure you have waited for the full expected timeline before escalating an issue.
Common Reasons for Delayed Transfers
Several factors can cause delays in receiving your funds:
Compliance Reviews: Transfers may be held for compliance checks by Aspire or our payment partners. If additional documents (e.g., invoices or contracts) are requested, timely submission will help avoid delays.
Non-Business Days: Transfers are only processed on business days. This means that weekends and public holidays are not included in the estimated processing timeline.
High Transaction Volumes: Peak periods may result in slower processing by banks or intermediaries.
Incorrect Transfer Details: Mismatched or incorrect account numbers or beneficiary names can cause funds to be held or rejected.
What You Can Do
If your transfer hasn’t arrived after the expected timeframe:
Check Transfer Details: Confirm that the sender used the correct Aspire account details.
Contact Aspire Support: If everything appears accurate but funds are still missing, reach out to us through the in-app messenger.
Prepare Supporting Documents
We may ask for:Transaction ID
Proof of transfer (e.g., receipt or bank screenshot)
Transfer type
These details help us investigate the issue with our payment partners.
Questions? Chat with us by clicking on the messenger icon at the bottom right of the screen once you are logged in.