7 days a week, you can expect your bank transfer to arrive in your Dosh account within 2 hours, as long as you have entered your mobile number (without spaces) in your bank's payment reference field. Find instructions to bank transfer top-up in your Dosh app.

Outside the hours of 9am-10pm, you can expect your bank transfer top-up to arrive by the next morning. Please check your account at midday to see the money arrived.

If it has not arrived, send us a message in-app or to contact@dosh.nz so the team can resolve for you.

If you attempt to add two identical amounts within a 12 hour period to your Dosh account via Windcave, only the first will go through instantly. The second amount will be processed and in your account by midday of the next business day.

On very rare occasions, your Windcave top-up might be impacted by temporary internet connectivity issues. Please let us know if your Windcave top-up has not arrived.

Dosh account to bank transfers are processed via the New Zealand banking system, not by Dosh. This means Dosh account to bank account payments are not in real time like the other Dosh transactions.

You can expect most Dosh account to bank transfers to arrive by midday of the next day. Dosh account to bank account transfers are processed daily.