# How do I send a wire transfer from KOHO? > WIP How do I send a wire transfer from KOHO ️ Wire transfers are currently only available to Everything plan members Transfers can only be sent to a C Source: https://help.koho.ca/en_us/how-do-i-send-a-wire-transfer-from-koho-SkLw6flQMe Last updated: 2026-08-11T14:05:25.374Z ⚠️ **Wire transfers are currently only available to Everything plan members. Transfers can only be sent to a Canadian bank account under your own legal name.** Wire transfers let you send money from your KOHO account to another bank account in Canada. * * * ## **Who can use wire transfers?** **We're rolling out this feature gradually, so it may not be available to everyone on the Everything plan right away. If you don't see it yet, it's on its way.** Wire transfers are currently available to **Everything** plan members with a personal KOHO account. This feature is not yet available on other plans or for joint accounts. If you have an Everything plan and a joint account, you can move the funds to your personal account before sending the wire transfer. * * * ## **What if I’m not eligible to send a wire transfer?** Wire transfers are not yet available for all KOHO accounts. If you cannot access the wire transfer feature, you can move the funds to another bank account under your name and send the wire from there. For example, you may be able to send yourself an Interac e-Transfer and deposit it into your other account. If the transfer is urgent or involves a large amount, contact our support team through the KOHO app or KOHO Web. Our team can review your situation and let you know whether any other options are available. * * * ## **Where can I send a wire transfer?** You can only send a wire transfer to a Canadian bank account registered under the same legal name as your KOHO account. You cannot send a wire transfer to another person, including a family member or joint account holder. The name on the receiving account must exactly match the legal name registered on your KOHO account. * * * ## **Can I receive a wire transfer in my KOHO account?** No, KOHO accounts cannot currently receive wire transfers. KOHO accounts do not have the SWIFT code, International Bank Account Number (IBAN), or Bank Identifier Code (BIC) required to receive wire transfers. If the funds are being sent in Canadian dollars, the sender may be able to send them to your KOHO account through direct deposit instead. * * * ## **What information do I need?** Before starting your wire transfer, make sure you have: * The name on the receiving account * The receiving bank’s name * The receiving bank branch address * The account number * The three-digit institution number * The five-digit transit number * Enough money in your Spendable balance Wire transfers can only be funded from your Spendable balance. Your Cover balance cannot be used for a wire transfer. If your money is in Goals or your Vault, move it to your Spendable balance before submitting the transfer. Carefully confirm the banking details with the receiving bank before submitting your transfer. * * * ## **How do I send a wire transfer?** Wire transfers are currently available through KOHO Web only. They are not yet available in the KOHO mobile app. To send a wire transfer: 1. Sign in to [KOHO Web](https://web.koho.ca/login) 2. Select **Wire Transfers** from the left sidebar 3. Enter the amount you want to send 4. Enter the receiving account’s banking details 5. Select a reason for the transfer, if applicable 6. Add an optional memo 7. Review the information carefully 8. Select **Continue** to submit your transfer After you submit your wire transfer, it will be reviewed before it is sent. * * * ## **How long does a wire transfer take?** Wire transfers submitted and approved before 1:00 PM ET on a business day are typically sent that same day. Transfers submitted or approved after 1:00 PM ET are typically processed on the next business day. Once sent, funds typically arrive in the receiving account within 1 to 3 business days. Delivery times may vary depending on the receiving bank and whether any additional review is required. Wire transfers are not processed on weekends or Canadian statutory holidays. The time it takes for the funds to arrive may also depend on the receiving bank. * * * ## **Is there a fee?**  KOHO does not currently charge a fee to send a wire transfer. The receiving bank or another financial institution involved in the transfer may charge a fee. Confirm any applicable fees with the receiving bank before submitting your request. * * * ## **What happens after I submit my wire transfer?** After you submit your request, it will be reviewed before the wire transfer is sent. You cannot track its status in KOHO Web or the KOHO app, but our team will contact you if the transfer cannot be completed. You will not receive a notification when the funds arrive. Contact the receiving bank to confirm that the transfer has been deposited. * * * ## **Can I cancel a wire transfer?** Wire transfers cannot be cancelled on KOHO Web once submitted. Contact our support team immediately through the KOHO app or KOHO Web if you need to request a cancellation. We may be able to cancel the transfer if it has not yet been sent to the receiving bank. Once the transfer has been sent, it cannot be cancelled. * * * ## **Are there any wire transfer limits?** The amount you can send may depend on the details of your transfer. All requests are subject to review and approval. Our team will contact you if we are unable to process your request. * * * ## **What if I entered the wrong information?** Contact our support team immediately through the KOHO app or KOHO Web. We may be able to update or cancel your request if the wire transfer has not yet been sent. Once it has been sent to the receiving bank, changes or cancellations may no longer be possible.