# Wallets

Moov wallets allow account holders to store funds while providing flexibility on when and how they would like to move those funds. Use this guide to understand how to use wallets in various transfer scenarios.

With wallets, there are a number of possible transfer scenarios:

- Fund a wallet (the wallet as the transfer destination)
- Transfer funds between two different Moov wallets (wallet-to-wallet)
- Cash out funds from a wallet (the wallet as the transfer source)

## [Transfer types and timing](#transfer-types-and-timing)

You can use wallets in several ways, depending on your needs and priorities. Below, we summarize different types of wallet transfers and the associated timing.

[Wallet to bank (same-day ACH)](#tab-561274398-1-0) [Wallet to bank (standard ACH)](#tab-561274398-1-1) [Wallet to bank (RTP)](#tab-561274398-1-2) [Card to wallet](#tab-561274398-1-3)

![Wallet to bank same-day ACH processing diagram](../images/wallet-to-bank-ach-sameday-light.png)

![Wallet to bank standard ACH processing diagram](../images/wallet-to-bank-ach-standard-light.png)

![Wallet to bank RTP processing diagram](../images/wallet-to-bank-rtp-light.png)

![Card to wallet transfer diagram](../images/card-to-wallet-light.png)

## [Funds availability timing](#funds-availability-timing)

| Transfer type    | Payment method                | Funds availability                                                               |
|------------------|-------------------------------|----------------------------------------------------------------------------------|
| Bank-to-wallet   | `ach-debit-*`,`moov-wallet`   | 2-3 banking days                                                                 |
| Wallet-to-wallet | `moov-wallet`                 | Immediately                                                                      |
| Wallet-to-bank   | `moov-wallet`, `ach-credit-*` | End of day for `ach-credit-same-day`, Next banking day for `ach-credit-standard` |
| Card-to-wallet   | `card-payment`, `moov-wallet` | Next banking day                                                                 |

In some instances, there might be a delay in your wallet funding. To protect both your business and Moov from potential risks, there may be instances where we temporarily hold funds for further review. This precautionary measure helps safeguard your business from fraud that could result in chargebacks.

Common scenarios that could lead to a review include:

- A new account with limited transaction history
- Unusually high payment volumes compared to typical account activity
- Certain use cases or business types that present increased risk

For more information, [contact Moov](https://support.moov.io/).