BANK006 - Payment methods (Real-Time Payments, ACH, EFT, SEPA or Wire)

Last updated: October 1, 2026

Payment Method - Transfer Times


Real Time Payment (RTP) Transfers

  • Processing Time: RTP is "same day" processing (excluding weekends and bank holidays).

  • Cost:  1.25% + $0.25 capped at $15.00 USD

  • Usage: Used in some countries for lower-cost transfers.

  • Bank Compatibility: Not all banks support Real-Time Payments. If your bank doesn't support RTP, the transfer will fail and funds will be automatically returned to your XTRM wallet. You can then initiate a new transfer using ACH/Standard bank transfer instead.

ACH, EFT or SEPA

  • Processing Time: Typically, 2 to 5 business days (excluding weekends and bank holidays).

  • Cost: Free.

  • Usage: Used in some countries for lower-cost transfers.


Xtrm currency list by transfer method


Wire Transfers

  • Processing Time:

    • Domestic (Major Currencies): 1 to 3 business days.

    • Exotic currencies: 2 to 10 business days (excluding weekends and bank holidays).

  • Cost: $6.00 USD for individuals $10.00 USD for companies Transaction Fees

  • Usage: Used when ACH, EFT or SEPA transfers are not available, often via SWIFT or Wire.

How Xtrm Handles Transfers

  • Xtrm chooses the lowest cost and fastest route for each transfer.

  • If ACH, EFT or SEPA options are available, we will use it (free).

  • If ACH, EFT or SEPA is not available, we will send the transfer using the Swift network Wire, which may incur a fVbank fee.


Be accurate. Double-check your bank details and address when linking your account. Errors can cause transfers to be rejected and returned. Rejected transfers can take up to 3 weeks to return, depending on the destination country

More Information on Bank Transfers

  • General Processing Time: Bank transfers typically take 2 to 5 business days (excluding weekends and bank holidays).

  • Delivery After Release: Once our banking partner releases your transfer, funds should arrive in your bank account within 3 business days (excluding weekends and holidays). If funds don't appear after 3 business days, contact support for assistance.

  • Exotic Currencies: Transfers can take up to 2 weeks.

  • Control Over Timing: Xtrm has no control over the time it takes for transfers to be received.


Key Points to Remember

  1. Accuracy is Critical: 99% of failed transfers are due to incorrect bank details. Double-check all information before linking your account.

  2. Disabled Bank Accounts: Payments sent to disabled bank accounts will fail and be refunded to your account. To resolve this, delete and relink your bank account, ensuring you enter the correct and active bank account details before initiating another transfer.

  3. Compliance and Compatibility Rejections: 1% of transfers are rejected for compliance reasons. Additionally, RTP transfers may fail if your bank does not support Real-Time Payments.

  4. Failure Detection: Failed transfers are only identified after the funds are returned.

  5. Return Timeframes: Returns can take a few days to several weeks, especially for foreign transfers.

  6. Bank Traces: While possible, traces often take longer than waiting for a return.

  7. Wallet Credit: Once funds are returned, we instantly credit them to your wallet and notify you via email. When Xtrm Support works with the banking partner to resolve stuck transfers, responses typically come within the same day, and funds can be returned to your Xtrm account as soon as possible after that.

  8. Stuck RTP Transfers: If an RTP transfer gets stuck or fails to process, Xtrm Support can work with the banking partner to cancel the transfer and return the funds to your Xtrm wallet. Once returned, you can reinitiate the transfer using the Standard ACH/free bank transfer option instead.