wamo sends euro transfers via SEPA Instant, so most payments arrive within seconds. If your payment is delayed, pending or declined, here’s what may be happening and what you can do.
My recipient hasn't received the money
Most transfers arrive within seconds after you confirm the payment. However, a transfer may take longer in the following situations:
Additional payment checks: Your transfer may be held for additional checks. These checks can take up to 1 business day to complete.
The recipient's bank doesn't support SEPA Instant: In this case, your payment is automatically sent as a SEPA Credit Transfer instead and can take up to 1 business day to arrive.
Before contacting us, Please complete these two quick checks:
Wait 1 business day. Additional checks may still be in progress. Has it been more than 1 business day since you sent the transfer?
Check the beneficiary details. Make sure the IBAN and beneficiary name shown on your transfer receipt are correct.
If 1 business day has passed and the beneficiary details are correct, please contact us. We’ll check the status of your transfer and, if necessary, initiate a trace to locate your funds.
Note: This section covers euro (SEPA) transfers. For international payments, see [SWIFT transfers].
Cancelling a Transfer
Because wamo is built for speed, payments are initiated the moment you submit them.
The Reality: In most cases, once a transfer is submitted, it cannot be cancelled or recalled.
The Exception: If our banking partner has not yet processed the request, there may be a small window for intervention. If you’ve made an error, contact us immediately via chat.
Understanding Failed, Declined, or Refunded Payments
If a transfer doesn't reach its destination, it is usually due to one of the following logistical reasons:
Issue | Common Causes | Recommended Action |
Failed / Declined | Insufficient funds; incorrect recipient details; or the recipient bank rejected the transfer. | Verify your balance and the recipient's data. If both are correct, ask the recipient to contact their bank. |
Pending | Standard security reviews; bank holidays; or we require more info from you or the counterparty. | Check your app notifications for any "Information Requests" to help us accelerate the process. |
Refunded | Incorrect account details; the recipient's account is closed; or the bank reversed the payment. | Double-check the recipient's current details and try the transfer again once verified. |
Missing Incoming Funds
Expecting a payment that hasn't arrived? If it has been more than 2 business days, we are happy to investigate. To help us find your money faster, please have a Proof of Payment (transfer confirmation) ready from the sending bank. This document must include:
Your wamo business account details.
The exact transfer amount and date.
The sender's account information.
Before troubleshooting a delayed or missing transfer, confirm the sending and receiving countries appear on the Payments – supported countries list. If either is not listed, the transfer is not supported and cannot be investigated.