Speed is one of the most important factors when I’m sending or receiving money. If you’re funding your wallet, sending money to family, or withdrawing to your bank account, you want to know exactly how long each transfer takes, like I do.
If you’re using Accrue, you know that transfers are designed to be fast, reliable, and near-instant.
In this guide, we break down Accrue transfer times, explain how each transaction works, and answer the most common questions users ask.
First, some housekeeping.
What Is Accrue?
Accrue is a digital financial platform that allows freelancers, remote workers, digital nomads, entrepenuers and everyone else to:
- Send and receive money instantly
- Withdraw funds to bank accounts or mobile money
- Make cross-border payments
- Save savings in dollars and earn interests
Accrue focuses heavily on speed and convenience, especially for users in Africa and international payments.
How Long Do Deposits Take With Accrue?
Deposits Into Accrue Wallet: Instant
When you fund your Accrue wallet:
- The deposit is processed instantly
- Funds are available immediately
- There is no waiting period once the transaction is successful
This means you can deposit money and start using it right away for transfers, payments, or withdrawals.
How Long Do Withdrawals Take With Accrue?
Accrue to Bank or Mobile Money: Less Than 5 Minutes
Withdrawing money from Accrue is also extremely fast:
- Withdrawals to bank accounts are completed in under 5 minutes
- Withdrawals to mobile money wallets are also completed in under 5 minutes
- In most cases, funds arrive within minutes after confirmation
This makes Accrue one of the fastest platforms for cashing out funds.
How Long Do Transfers Between Accrue Users Take?
Accrue to Accrue Transfers: Instant
Sending money to another Accrue user through their crewtag is:
- Instant
- Free
- Available 24/7
Once you send the money, it appears in the recipient’s wallet immediately, with no processing delay or fees.
How Long Do International Transfers Take With Accrue?
Cross-Border Transfers: Minutes
Accrue supports fast international and cross-border payments:
- Africa-to-Africa transfers are typically completed within minutes
- Mobile money payouts across supported countries are also near-instant
- Funds are delivered quickly once the transfer is confirmed
Unlike traditional international transfers that can take days, Accrue completes most cross-border payouts in minutes.
Transfers to the US (ACH Payments)
When sending/receiving money to or from a US bank via ACH (Automated Clearing House), the domestic US transfer network, processing can take longer than “minutes” because ACH batches and settles on business days, and is not an instant settlement.
Same-day ACH is possible if the transfer is sent before the cutoff, but standard ACH can take 1–2 business days (and sometimes longer, depending on bank processing). This means transfers via that channel aren’t instant, unlike mobile money payouts.
Why Are Accrue Transfers So Fast?
Accrue’s speed comes from:
- Direct integration with local banks and mobile money providers
- Real-time transaction processing
- Optimized payout infrastructure across supported countries
- No reliance on slow legacy systems
This allows Accrue to bypass the long delays common with traditional banks.
What Can Delay an Accrue Transfer?
Although transfers are usually instant, rare delays may occur due to:
- Network issues from banks or mobile money providers
- Incorrect recipient details
- Temporary service downtime
- Compliance or security checks in unusual cases
However, these situations are uncommon, and most users experience smooth, fast transfers.
Is Accrue Faster Than Traditional Banks?
Yes. Compared to traditional banks:
- Bank transfers can take hours or days
- International transfers can take 2–5 business days
- Accrue completes most transfers instantly or within minutes
This makes Accrue a strong option for users who value speed and convenience.
Conclusion
Accrue is built for speed. If you’re depositing funds, sending money, or withdrawing to your bank or mobile wallet, transfers are instant or completed within 5 minutes.
If you’re looking for a fast, reliable way to move money without delays, Accrue delivers exactly that.
I’ve lived many lives, but one lesson ties them all together: money is only as powerful as its utility. Through my work, I share stories about money and create guides for Africans who want to get the best out of theirs.