如果汇款出现问题，可能会令人担忧。以下是银行转账失败的常见原因及解决方法。
我的银行账户姓名与 Wise 账户不一致
出于安全考虑，您汇款时使用的银行账户姓名必须与您的 Wise 账户姓名一致。
唯一的例外情况是，若您使用联名银行账户付款。此时，您可能需要 上传付款凭证以证明自己是该账户的持有人之一。
若您使用他人账户付款，或通过企业账户进行个人转账，则需取消该笔转账。
我在 Wise 上输入了错误的银行详细信息
设置转账时，请确保准确抄录我们的银行信息。若填写有误，银行很可能会拒绝付款，款项将自动退回您的账户。根据您所在银行的处理时效，此过程可能需要数个工作日。
若资金在几个工作日后仍未返还至您的账户，请联系您的银行追踪付款状态。很遗憾，由于资金从未进入我们的系统，Wise 无法就此提供协助。
我汇出的金额不正确
请确保您汇出的金额与您创建的转账金额完全一致。
若您汇款金额超出所需，我们将用多余资金支付您账户中另一笔未结清的转账。若您没有其他未结清转账，待本次转账完成后，多余金额将自动退还至您的账户。
若您汇款金额不足，我们将暂停转账并通过邮件告知后续操作指引。
我忘记了附上参考编号
参考编号有助于我们将您的付款与汇款关联。若您忘记该编号，款项可能出现延迟。
为帮助我们更快找到您的款项，您需要 上传付款凭证文件。
上传后，我们的团队将进行审核，如有需要补充信息的情况，我们会与您联系。
常见问题与解答
| Question | Answer |
|---|---|
| How long does it take for my payment to arrive? | This depends on the type of bank transfer you sent. For a local bank transfer it can take up to 2 business days, and for a Swift transfer it can take 4–5 business days. Your transfer status will only update to 'in progress' after we've received your money. |
| Why is my transfer delayed? | Your payment might take longer to reach us if you sent it just before a weekend or a public holiday. Please allow for extra business days for your money to arrive. |
| What if I've checked everything and my payment still hasn't arrived? | If your transfer is still not showing as paid, your money may still be with your bank. Please contact your bank's customer support to trace the payment. |
| Can I make a large bank transfer to pay for multiple Wise transfers? | No, please send a separate payment for each transfer you create. |
| Why was my money applied to an old transfer? | When you send money to us, our automated system links your payment to the oldest unpaid transfer in your account. We do this to process payments quickly, even if a reference number is missing. Make sure you cancel any transfer you don’t intend to complete, and leave just one active. Then we'll know that's where we can assign your money. |