How fast does your money move in Sequence?
It depends on the type of accounts involved in the transfer.
Here’s a simple breakdown:
Some quick terminology to help understand transfer timing:
Internal accounts are any Pods or Income Sources. These accounts live within Sequence and are held at our partner bank, Thread.
External accounts are any accounts outside of Sequence. This includes accounts at institutions like Chase, Wells Fargo, Bank of America, and other banks.
Quick Transfer Breakdown
Transfer Type | From → To | Speed |
Internal → Internal | Sequence → Sequence | Instant |
Internal → External | Sequence → External Account | Same day |
External → External | External Account → Anywhere | 2–3 days |
How Each Transfer Type Works
Internal → Internal
Internal → Internal
From one Sequence-owned (Thread) account to another
This is fully internal, no rails, no delays
Because both accounts are within Thread, we move the money instantly
You’ll see the result on your map in real time, even on weekends or holidays
Internal → External
Internal → External
From a Sequence (Thread) account to an account you own elsewhere
This is a same-day ACH transfer
You have full control, so Sequence can initiate and push the funds
There’s a 3:00 PM local time cutoff - transfers after that land the next business day
External → External
External → External
From one external account to another external account
This takes anywhere from 2–3 banking days
We need verification to pull founds out of the source account
Sequence then routes the funds through a holding account to the final destination
We can’t move money directly between two external accounts we don’t control, that's a security and control limitation.
Instead, we route the transfer through a Thread-owned account in the background.
Here’s what happens:
We pull funds into a Thread account
Then we push the funds out to the destination external account
This adds time, usually 2 to 3 business days, but gives us the ability to safely move funds end-to-end.
To track the funds as they move, check out the next section
Transfer funds immediately
In a last-minute situation where you need money to move right away, you can create a one-time transfer.
This lets you manually move funds without setting up an automation.
Good to know
One-time transfers are non-automated
Transfer timing follows the same guidelines outlined above
You’ll see the transfer status in your activity log, just like any other move
Key takeaway:
Inside Sequence = instant
Going out of Sequence = same day
Coming in to Sequence = 2–3 days
Next, we’ll cover Transfer Limits — so you know how much you can move at once, and how Sequence keeps transfers safe and reliable.