Yes. Lili customers can send domestic wire transfers in USD from their Lili account to other U.S. bank accounts.

Domestic wires are typically best for time‑sensitive or high‑value payments to vendors, partners, or other business accounts within the United States.

Who can send domestic wires?

Sending domestic wires is available to all Lili business accounts.

• Wire‑sending availability depends on your account history, and risk and compliance review.
• Per‑transfer and daily wire limits apply and may change over time.
• Any applicable outgoing wire fees are listed in your plan’s fee schedule and account agreement.

If you’re not sure whether your account can send wires or what your limits are, check the domestic wire transfer feature in the app or contact us (see options listed in How do I contact the Lili team?).

What information do I need before sending a wire?

Before you start, ask your recipient for their domestic wire instructions. Typically, you’ll need:

• Recipient’s full legal name (and business name, if applicable)
• Recipient’s bank name
• Recipient’s routing number (for wires within the U.S.)
• Recipient’s account number
• Recipient’s account type (checking/savings)
• Any payment reference or invoice number you want to include in the wire memo

Accuracy is critical. Incorrect or missing information can delay the payment, cause it to be returned, or send it to the wrong account.

How to send a domestic wire from your Lili account

To initiate an outbound domestic wire transfer:

1. Sign in to the Lili app (web or mobile).
2. From the left‑hand menu, choose Send Money > Domestic Wire Transfer
   • In some interfaces, you may also see Bill Pay > Wire Transfer.
3. Select or add your payee (recipient) *.
4. Enter the amount you want to send.
5. Optionally, add a note or payment reference. This memo is shared with the receiving bank and may help the recipient reconcile the payment.
6. Review all details carefully (recipient name, routing number, account number, and amount).
7. Confirm and continue.
8. Enter the multi‑factor authentication (MFA) code sent by text message to the Lili account owner’s mobile phone.
9. Once the MFA code is entered correctly, you’ll see a success screen confirming that your wire has been scheduled or sent.

After you send the wire, you’ll see it listed in your recent transactions.

 * When choosing the payee, if the payee is an existing contact in the Lili customer’s contact list, but the wire routing and account number information are missing, you will be prompted to provide the missing information. The physical address of the payee is also mandatory. If there is no contact, you can create a new one.

How long does a domestic wire take?

Domestic wires are generally faster than ACH transfers. Exact timing depends on cut‑off times, reviews, and the receiving bank, but you can typically expect:

• Wires submitted and approved during business hours to be sent the same business day, typically within minutes.
• Many recipients receive the funds on the same day or by the next business day, depending on their bank’s posting schedule.
• Wires are not processed on weekends or Federal Reserve holidays. If you initiate a wire on a Saturday, Sunday, or holiday, it will be processed on the next business day.

Once processed, the wire will appear as a completed transaction in your Lili account.

Fees and reversals

• Any outgoing wire fee charged by Lili (if applicable) will be disclosed in your plan’s fee schedule and shown in your confirmation flow.
• The recipient’s bank may also charge them fees for receiving a wire.

Domestic wires are intended to be final once sent. While in some situations we may attempt to request a recall through the banking network, recalls are not guaranteed, and the receiving bank and recipient must agree to return funds.

Always review all wire details carefully before you confirm and send.

If your recipient hasn’t received the wire

If your recipient says they haven’t received your domestic wire within the expected timeframe:

1. Confirm the details with the recipient
   • Ask them to double‑check their account number, routing number, and account name.
   • Confirm they’ve checked their recent transactions for the right date range.
2. Review your Lili transaction
   • Verify that the wire shows as sent/completed in your Lili account and that the amount and recipient information are correct.
3. Gather tracking information
   • Note the date, time, and amount of the wire and the transaction reference number (IMAD/OMAD) visible in your Lili transaction details.
4. Contact the Lili team
   • Reach out to us (see options listed in How do I contact the Lili team?), and share the wire date, amount, recipient name, and any reference numbers.
   • Our team can review the payment and, if appropriate, coordinate with our partner bank and the recipient’s bank to investigate or request a recall.

Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. The Card may be used everywhere Visa debit cards are accepted. 

Wire Transfer services are provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.