How long does it take for the funds to reach my Aspire USD account?

The delivery time depends on the transfer method used by the sender. You can top up your USD account in 2 main ways:

Transfer type ETA
Local ACH or ABA/Fedwire transfers 1-2 working days*
SWIFT Transfer 3-5 business days*

*In some cases, our partners may conduct compliance checks on certain transactions, which may cause a delay in the arrival of your funds beyond the estimated delivery time. Admins and Finance users will be notified if further documents or information is needed before we credit the funds. Click here to learn more.


If the expected delivery time for funds to be reflected in your account has exceeded, please request a transfer receipt or MT103 (for transfers via SWIFT) from your sender.

As the receiving party, our payment partner has limited visibility on inbound transactions. We strongly advise that you reach out to the sender and request them to issue a trace of funds through the sending bank.

To avoid double conversion, when receiving from HSBC, please request the sender to add "Do Not Convert" in the payment reference field.

However, this instruction is followed only on a best endeavours basis by the sending and intermediary banks.

We do not have any control over any of these banks auto-converting the funds to GBP.


Questions? Please log in to the app and reach out in the chat at the bottom right corner of the screen.

Suggestions? Let us know here.