Why is the instant transfer not carried out without linking a debit card?

Instant transfers in Beem require a linked U.S. debit card because the card enables real-time payment processing.

Without a debit card:

• Beem can only use your wallet balance or bank account, which may take 3–5 business days to process.
• Instant transfer cannot be completed since there’s no payment network connection to move funds immediately.

Tip: Linking a debit card ensures your transfers are fast, secure, and instantaneous.