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Instant Transfer Unavailable Troubleshooting

There are a number of reasons why you might not be able to use instant transfer:

  • You haven’t linked a bank account to Square, or your bank account isn't completely verified. 

  • Your Square balance is above the $5,000 limit.

  • You’re new to Square and already sent instant transfers up to $500 in a day.

  • Your linked bank account doesn’t accept instant transfers.

  • We periodically conduct regular account reviews to ensure customer security, which can impact instant transfers.

Link a Supported Bank Account

To use instant transfers, you have to link a verified bank account. If you attempted to link your bank account and found that it isn’t supported, you’ll see an error message asking you to try again.

Choose the Right Transfer Amount

Instant transfers aren’t available for amounts outside the transfer limits: a minimum of $5.00 or a maximum of $5,000 — after the Square processing fees.

Note: New sellers start with a limit of up to $500 instant transfers per day. As you continue processing with Square, your daily transfer amount limit will increase.

Account Under Review

We regularly monitor your transactions to keep your account safe. If our system notices something that appears out of the ordinary, we suspend all transfers—including instant transfers—to your bank account until we can make sure everything is alright. We usually complete these reviews within one business day. If we need more information to complete the review, we’ll reach out to you by email.

One of our best tools in keeping Square secure is checking in periodically to make sure that everyone is who they say they are. The documentation and information you provide during a security review give us a sense of how we can be helpful and get your transfers moving again.

For more on instant transfers, check out our instant transfers FAQ.

Learn more about: Square

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