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Transfer Options with Square

With Square, you can choose when to receive your funds. We offer a couple of options – our standard transfer schedule, a custom transfer schedule (tailored by you to your business hours).

Square doesn’t have transfer limits with our standard or custom schedules. We won’t hold funds based on the amount, frequency or type of transaction.

If you’re having trouble locating a transfer, review these transfer schedule tips.

Standard transfer schedule overview

When you activate your Square Point of Sale account, link a bank account, and begin accepting card payments, we’ll transfer funds according to our standard schedule. All Square merchants start with our standard transfer schedule.

With this schedule, funds are usually transferred within 36 hours or 1-2 business days of a transaction. Learn more about our standard transfer schedule and review daily transfer times.

Custom Close of Day Time Overview

If your business has unique hours, you can customize the time you’d like transactions grouped for daily transfer. This is called your close of day time.

Setting a close of day time ensures you’ll receive a single transfer for a full day’s payment activity – making bookkeeping a breeze. Read more about [customizing your close of day time](https://squareup.com/help/article/5439

Manual transfers

By default, your funds will be transferred to your bank account every night, from Sunday to Thursday.

Instead of automatic transfers, you can enable manual transfers to choose when to transfer your money. Your funds will be available in your Square balance, and you can decide when to transfer them to your linked bank account. Your funds will then arrive in your bank account the next business day – at no extra cost.

Keep in mind any transfer requests received after 8.30 p.m. PST will be sent to your bank the following business day.

You are able to pause automatic nightly transfers and change to manual transfers, directly from your online Square Dashboard or from the Square app.

  1. Navigate to Settings in your online Square Dashboard or Square Point of Sale app.
  2. Select Balance.
  3. Under Transfer Schedule > select **Manual.
Learn more about: Payment Processing