Wise (TransferWise) Tracker — Status Guide
Wise (the company formerly known as TransferWise) does not publish a public tracker. Status is only visible to the signed-in sender. For Wise transfers that route over SWIFT (typically USD wires from US business accounts), you can additionally track the SWIFT leg using the UETR on OhMyFin — free.
What each status means
| Authorised / Funds received | Provider has confirmed the sender's payment and queued the transfer. |
| In progress / In transit | Provider is processing or routing the funds to the receiver. |
| Ready for pickup | Cash transfers waiting at the agent for the receiver to collect. |
| Delivered / Received / Completed | Receiver has the funds in their account, wallet or cash in hand. |
| Action needed / Held | Sender must take action — usually ID upload, source-of-funds question or payout-partner outage. |
Frequently asked questions
Can I track a Wise transfer without signing in?
No. Wise only shows transfer status to the signed-in sender. The receiver gets an email when funds arrive but no live in-flight status link.
What do Wise statuses mean?
"On its way" = Wise has dispatched the transfer. "Converting" = FX is being processed. "Sent" / "Completed" = the receiver's bank has been credited (or, for cash pickup, ready to collect).
Does Wise use SWIFT?
Mostly no — Wise uses local payment rails wherever possible (SEPA, Faster Payments, ACH). A minority of routes (e.g. some USD business wires) do use SWIFT; for those you can track the SWIFT leg by UETR on OhMyFin free.
My Wise transfer is delayed — what now?
Sign in to wise.com, open the transfer and check for any verification banners. Wise chat support is the fastest channel for stuck transfers.