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Send money by swift

Send money by Swift from our website or mobile app, in just a few clicks. Join over 14.8 million people who choose Wise for fast and secure money transfers.

We'll always be transparent about pricing. When you send money via Swift, the money will pass through other banks on the way, and those banks may charge additional fees. But we'll always show you exactly what to expect before you hit send.
  • Low fees — fees get cheaper the more you send
  • Under 24 hours — Wise delivers most USD Swift payments in less than 24 hours
  • Live transfer tracking — An end-to-end view for you and the person you're sending to
Open an account
  • Arrives
    Today - in seconds
  • Total fees
    Included in USD amount

    • Send money by swift

    Send money by Swift from our website or mobile app, in just a few clicks. Join over 14.8 million people who choose Wise for fast and secure money transfers.

    We'll always be transparent about pricing. When you send money via Swift, the money will pass through other banks on the way, and those banks may charge additional fees. But we'll always show you exactly what to expect before you hit send.
    • Low fees — fees get cheaper the more you send
    • Under 24 hours — Wise delivers most USD Swift payments in less than 24 hours
    • Live transfer tracking — An end-to-end view for you and the person you're sending to
    Open an account
  • Arrives
    Today - in seconds
  • Total fees
    Included in USD amount

    • See how much it costs to send money abroad

    The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

    Send money now
    Wise
    Wise
    		Bank of America
    Bank of America
    		Wells Fargo
    Wells Fargo
    		Chase
    Chase (US)

    Recipient gets

    (Total after fees)

    		844.42 EUR829.71 EUR826.61 EUR823.92 EUR

    Exchange rate

    (1 USDEUR)

    		0.8528420.8297150.8266060.828056

    Exchange rate markup

    		0 USD27.12 USD30.76 USD29.06 USD

    Transfer fee

    		9.87 USD0 USD0 USD5 USD

    Total transfer cost

    		9.87 USD27.12 USD30.76 USD34.06 USD
    Show more providers
    This applies when you pay in via ACH payments. How do we collect this data?

    How to send money by swift in 3 easy steps

    Start your transfer.

    Enter amount to send in USD.

    Pay in USD with your debit card or credit card, or send the money from your online banking.

    Get the best rate out there.

    Choose your recipient.

    Select who you want to send money to and which pay-out method to use.

    Money is locally delivered.

    Send USD, receive EUR.

    The recipient gets money in EUR directly from Wise’s local bank account.

    Create free account now

    What is Swift money transfer?

    Making a Swift money transfer with Wise is as easy as sending a wire to anyone else. You’ll be able to use your own bank’s online or mobile banking service, or set up your Swift transfer by phone, or in a branch - whatever you’d normally do. That makes a Swift money transfer familiar and convenient, no matter where you’re sending money to.

    Swift money transfers with Wise may have the highest available payment limits, and your money will usually be received pretty quickly by Wise. That means Wise can get it moving to your recipient quicker, too.

    Learn more about using Swift wire transfers.

    Online money transfer fees

    How much does it cost to send money by swift?

    To send money by swift with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.

    Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

    No big fees, hidden or otherwise. So it's cheaper than what you're used to.

    Calculate how much you can save

    Cheapest way to send money abroad

    The cheapest way to send 1,000 USD to EUR is by using money that's in your Wise account and costs 3.45 USD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

    USD

    EUR

    Sending 1,000 USDTransfer cost
    Direct debit5.48 USD
    Bank transfer9.87 USD
    Debit card39.17 USD
    Credit card56.11 USD
    Apple Pay65.25 USD
    Google Pay65.25 USD

    See where Wise works

    How we keep your money safe

    Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

    How we keep your money safe
    • Rock-solid technology
      Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
    • People who care, 24/7
      With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
    • Your money, not ours
      Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

    4.3 / 5 on Trustpilot from 288,482 reviews

    Read more reviews on Trustpilot