A quick reference for expected transaction timelines across all Kosh products.
Transaction type | Typical timeline |
Bank withdrawal (off-ramp) | 1–3 business days |
SWIFT withdrawal | 2–5 business days |
VBA deposit — ACH | 1–2 business days |
VBA deposit — Wire | 1 business day |
SWIFT deposit | 2–3 business days |
Returned VBA deposit | 3–5 business days |
Crypto deposit | A few minutes |
Wallet-to-wallet transfer | Instant (under 5 minutes) |
Card top-up | Instant (under 5 minutes) |
Card payment | Instant (under 5 minutes) |
All timelines are estimates under normal operating conditions. Delays can occur during partner maintenance, compliance reviews, or periods of high network congestion.
If your transaction has exceeded these windows, contact us via in-app chat or [email protected]. Have your registered email address, transaction amount, currency, date, and transaction ID or reference number ready.