When sending a bank transfer, always use the payment instructions for your current Flywire payment request. Below are answers to common questions about bank details, transfer deadlines, and payment references.
Can I pay by cash deposit or check?
No. Flywire does not accept cash deposits or checks.
Send your bank transfer using the payment method and bank details shown in your Flywire payment instructions.
If you have already paid by cash deposit or check, contact Flywire Support as soon as possible with your Payment ID and proof of payment.
What is an intermediary bank?
An intermediary bank helps route an international transfer from your bank to the beneficiary bank.
Your Flywire payment instructions may include intermediary bank details. Use them only in the corresponding intermediary bank fields requested by your bank. The final beneficiary account should remain the account shown in your Flywire payment instructions.
Do not enter the intermediary bank as the final beneficiary or recipient. This may prevent your payment from reaching the correct account.
If your bank asks for intermediary details that are not provided, ask your bank or Flywire Support for help before sending the transfer.
Why is Flywire’s bank account in London?
For some payment routes, Flywire may use a multi-currency account in London to receive local currency payments and support currency conversion.
This means you may be paying in your local currency even though the beneficiary account is in London. Use the account details and currency shown in your current Flywire payment instructions.
Why did the beneficiary bank account change?
Flywire may update bank account details to support payment processing, local collection options, exchange rates, or processing times.
Each payment request includes the bank details to use for that payment. Account details may differ from those used for a previous request.
Always use the instructions for the payment request you intend to pay. Do not reuse saved bank details from a previous payment. Using old details may delay your payment or make it harder to match your funds.
You can find your instructions on your payment confirmation or tracking page. For help locating and understanding the details, see Understanding your Flywire payment instructions.
If your bank asks for an IBAN or another detail that is not shown, do not substitute your Payment ID or copy details from another request. See Common questions about bank transfer payment instructions or contact Flywire Support before sending the transfer.
What is my Flywire due date for a bank transfer?
Your Flywire due date is generally the date by which you should initiate the transfer from your bank. It is not the date by which Flywire must receive the funds, and it may differ from your institution or organization’s payment deadline.
You can find the due date in your payment instructions and on your tracking page. It is based on when you created your payment request.
The due date follows the time zone associated with the country or region you selected under Paying from when creating your payment request. For example, if you selected China and your due date is September 23, that date is based on Beijing time.
If you send the transfer by that date, your request usually will not be canceled simply because the funds are still on their way. Bank processing time is normally taken into account.
- If you have not sent the funds and cannot meet the Flywire due date: Create a new payment request when you are ready to pay, and use its updated instructions. The original exchange rate is not guaranteed.
- If you have already sent the funds: Check your tracking page. If the request shows Cancelled, contact Flywire Support with your Payment ID and proof of payment so we can investigate before you take further payment action.
Follow your institution’s deadline and allow enough time for bank processing and delivery. For more guidance, see What if I can’t transfer the funds to Flywire before the due date?
What if I can’t include my Payment ID in my bank transfer?
Include your Flywire Payment ID in the transfer reference, remittance information, concept, notes, or message field whenever possible.
If your bank limits the number of characters, enter as much of the Payment ID as possible and follow any specific instructions for your selected payment method.
If you cannot include the full Payment ID, keep your bank receipt after sending the transfer. You can provide it to Flywire along with your Payment ID to help us identify your funds and match them to the correct payment request.
What if I already sent my transfer with a missing or incorrect Payment ID?
If you sent the funds to the correct bank account in your Flywire payment instructions, your funds remain safe even if the Payment ID was missing, incomplete, or incorrect. However, we will need additional manual checks to match the funds to your payment request, which may take extra time.
You can continue checking your tracking page while we work to match your transfer. If you are concerned or would like to help us match it more quickly, provide:
- The correct Flywire Payment ID for the request you intended to pay.
- Your proof of payment, such as a bank transfer receipt.
- The reference you entered, if it was different from the correct Payment ID.
You do not need to wait 3 business days to provide these details. Sharing your Payment ID and proof of payment can help us match your funds more quickly, although the time needed may vary.
You can upload proof of payment from your tracking page under Manage your payment, if the upload option is available, or contact Flywire Support with the details above. See What should I upload as a proof of payment? for the information your receipt should include.
If you have already provided these details and need an update, include your Payment ID and any existing support ticket number when contacting us.
Bank transfers typically take 2–3 business days after your bank releases the funds to reach Flywire. If more than 3 business days have passed and your payment is still Pending, contact Flywire Support for help reviewing its progress.