MONEY MISSING? LET'S FIND IT.

The QuickSolveTech Execution Guide for "Completed" Wise Transfers That Haven't Arrived.

BRUTALLY HONEST COACHING: Banks are slow, bureaucratic, and they hate fintech like Wise. If your money is missing, it’s 90% likely the receiving bank is sitting on it to "earn interest" or because their 1980s software hasn't refreshed. Don't wait—force their hand.

STEP 1

Download the "Transfer Receipt" (The Only Proof That Matters)

You cannot fight a bank with a screenshot of your app. You need the official PDF receipt containing the UETR (Unique End-to-End Transaction Reference). This is the "GPS Tracker" for global payments.

• 1.1 Open Wise: Go to the specific transfer in your activity.
• 1.2 Get PDF: Click "Details" and then "Download PDF Receipt."
• 1.3 Verify the UETR: If the receipt has a UETR number, the money is officially in the SWIFT or local clearing network.

STEP 2

Check for "Intermediary Bank" Friction

If you sent a currency that isn't native to the receiving country (e.g., sending USD to Singapore or GBP to the US), the money often hits an "Intermediary Bank" first. They might be holding it for a "Compliance Audit."

• 2.1 Protect Your Session: When checking bank portals or sensitive financial data, ensure your connection isn't being intercepted.
• 2.2 Match the Network: Use a VPN to match the country of the receiving bank to ensure their web portal shows full transaction details without "regional restrictions."

STEP 3

Force the Receiving Bank's Hand

Don't talk to general customer support. They know nothing. You need to speak to the "Inward Remittance Department."

• 3.1 Use the UETR: Call the bank and say: "I have a UETR for a completed transfer. I need you to track it in your incoming queue."
• 3.2 Privacy First: If the bank asks for identity verification over the phone, use Alternative Number to keep your primary SIM safe from SIM-swapping hackers who target high-value transfer accounts.

STEP 4

Eliminate Data Breaches as a Reason for Delays

Sometimes, transfers are held because your account email or name is flagged on a "High Risk" list due to previous data leaks. If your info is on the dark web, banks may "soft-block" your incoming funds for extra manual review.

• 4.1 Check Your Status: Use a breach alert tool to see if your banking email has been compromised.
• 4.2 Secure Your Search: Use a private search engine to find the *real* official contact for the bank's fraud department, not a phishing number.

STEP 5

The "Nuclear Option" – Recall and Re-send

If 5 business days have passed and the receiving bank claims they cannot see the money even with the UETR, it is time for a Trace Request.

• 5.1 Open a Ticket: Contact Wise support and officially request a "Recall" or "Standard Trace."
• 5.2 Switch Strategy: For future high-value transfers, never use your legacy bank. Use the Wise-to-Wise internal transfer (Email/Phone) which is instant and avoids the banking "plumbing" entirely.

TAKE CONTROL OF YOUR WEALTH

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