Note, the name for your 'main account' in Wise can vary based on your location. To find the exact terminology used in your region, please check the product directly.
If you're having trouble paying for a transfer with your connected bank account (ACH) in Canada, it's usually due to bank security, account limits, or insufficient funds.
I can't log in to my bank account
If you're seeing an error when trying to connect your bank account:
Check your login details: Ensure you're entering the right login details for that specific account, using your bank's credentials and not your Wise password. If you need to manage or reset your banking credentials, you'll need to contact your bank directly.
Verify bank support: If you're sure you're using the correct login details, it could be that your bank doesn't support online access. If this is the case, you'll have to choose another payment method.
Business accounts: Direct debit is not supported for business accounts in Canada. If you're trying to pay from a business account, you'll need to choose a new payment method.
Learn more about adding or deleting connected bank accounts
I don't want to provide my online banking login details
Alternative payment needed: Without your login details, we can't debit your bank account, meaning you'll need to pay another way.
Your permission is mandatory: We'll never pull money automatically from your account without your explicit permission.
I don't see the ACH payment option
You might have reached your direct debit sending limits. If your transfer puts you over these limits, the option will be hidden.
| Limit Type | Limit Amount |
|---|---|
| Daily | 9,500 CAD |
| Weekly | 30,000 CAD |
Why does it say I have insufficient funds?
Your bank will check all of the debits you've made from your account in the last 4 business days.
Wait for other payments to clear: If you've made other payments over the last few days, it might show that you have insufficient funds even if you have enough money in your balance right now. You won't be able to pay by direct debit until those other payments clear.
Urgent transfers: Try paying another way if you need to send money urgently, or wait a few business days for the funds to settle.
I paid but the money hasn't left my account yet
It can take a few days for the money to officially leave your account. Just be sure to keep enough money in your account for the debit to work smoothly when your bank processes it.