The wire process at FinClusive takes 1 full business day. Often times when wires instructions are received early in the day, the wires are able to be fully processed and sent out by the sending bank the very same day.
If the wire is initiated closer to the 3:00PM EST cutoff, the wire may not make it out of the sending bank same-day due to processing constraints. In this instance, the wire would then be sent out first thing the following morning. Generally, any wire initiated before 9:00AM EST will be sent out to the beneficiary same-day.
If a wire is initiated after cutoff, the wire process begins the next business day.