My understanding is that wire transfers are fast, but how long will it actually take to hit my account? Cash transfer would obviously be instant. When you need to send money fast, a wire transfer is often a good choice. Wire transfers are immediate, reliable, and safe (assuming you're not. One of the fastest ways to send money is via wire transfer. Although a wire transfer can take days, in most cases a wire transfer I was told it was instant, from one branch, told it would be 2 hours, from the sender. Then my bank said 24 - 48.