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Send money from bank account

Send money from bank account from our website or mobile app, in just a few clicks. Join over 12.8 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
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Over 12.8 million customers
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  • 6.11 USD
  • 11.52 USDOur fee
  • 17.63 USDTotal fees
  • =
    982.37 USDTotal amount we’ll convert
  • ×
    7.2388

Should arrive in 9 hours

Get started

Save on exchange rate markups

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?
Sending 1,000 USD withRecipient gets(Total after fees)
Wise
7,137.19 CNY
Transfer fee
14.03 USD
Exchange rate(1 USD CNY)
7.23875
Exchange rate markup
0 USD

Cost of transfer
14.03 USD

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How to send money from bank account in 3 easy steps

What is Bank account money transfer?

Sending a bank account money transfer is familiar and convenient, and often comes with some of the lowest fees available. Depending on who you bank with, you may be able to arrange your payment online, in your bank’s mobile app, by phone or in a branch.

For some payments, you’ll be able to log into your bank’s online or mobile banking service securely and directly from Wise. Or, you can just pick your preferred bank transfer type - online, in your bank’s app, by phone or in person - and arrange the payment there. Add the reference for your Wise payment, to make sure your money can be identified - and you’re done.

To make a bank account money transfer with Wise you’ll need to fund your Wise payment from a bank account in your own name - or the name of your business if you’ve got a Wise Business account. If you have a joint bank account you may be asked to verify this - it’s all part of keeping you and your money safe.

Learn more about using bank transfers.

Online money transfer fees

How much does it cost to send money from bank account?

To send money from bank account 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.

How long does a money transfer from bank account take?

A money transfer from bank account (USD-CNY) should arrive in 9 hours. Sometimes transfer times can differ based on currencies or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route

USD
CNY

Should arrive

in 9 hours

Wise works nearly everywhere

  • Chinese yuan
    Swift/BIC and IBAN
  • British pound
    Swift/BIC, IBAN, Sort code and Account number
  • Euro
    Swift/BIC and IBAN
  • United States dollar
    Routing number, Swift/BIC, Account number and Account type
  • United Arab Emirates dirham
    Swift/BIC and IBAN
  • Australian dollar
    BSB code and Account number
  • Bulgarian lev
    Swift/BIC and IBAN
  • Canadian dollar
    Swift/BIC, Account number and Institution number
  • Swiss franc
    Swift/BIC and IBAN
  • Czech koruna
    Swift/BIC and IBAN
  • Danish krone
    Swift/BIC and IBAN
  • Hong Kong dollar
    Swift/BIC and IBAN
  • Hungarian forint
    Swift/BIC, IBAN and Account number
  • Israeli shekel
    Swift/BIC and IBAN
  • Japanese yen
    Swift/BIC and IBAN
  • Norwegian krone
    Swift/BIC and IBAN
  • New Zealand dollar
    Swift/BIC and Account number
  • Polish złoty
    Swift/BIC and IBAN
  • Swedish krona
    Swift/BIC and IBAN
  • Singapore dollar
    Swift/BIC, Account number, Bank name and Bank code
  • Turkish lira
    IBAN
  • Ugandan shilling
    Swift/BIC and IBAN
  • South African rand
    Swift/BIC and IBAN
  • United Arab Emirates dirham
  • Australian dollar
  • Bangladeshi taka
  • Bulgarian lev
  • Canadian dollar
  • Swiss franc
  • Chilean peso
  • Chinese yuan
  • Costa Rican colón
  • Czech koruna
  • Danish krone
  • Egyptian pound
  • Euro
  • British pound
  • Georgian lari
  • Hong Kong dollar
  • Hungarian forint
  • Indonesian rupiah
  • Israeli shekel
  • Indian rupee
  • Japanese yen
  • Kenyan shilling
  • South Korean won
  • Sri Lankan rupee
  • Moroccan dirham
  • Mexican peso
  • Malaysian ringgit
  • Nigerian naira
  • Norwegian krone
  • Nepalese rupee
  • New Zealand dollar
  • Philippine peso
  • Pakistani rupee
  • Polish złoty
  • Romanian leu
  • Swedish krona
  • Singapore dollar
  • Thai baht
  • Turkish lira
  • Tanzanian shilling
  • Ukrainian hryvnia
  • Ugandan shilling
  • United States dollar
  • Uruguayan peso
  • Vietnamese dong
  • West African CFA franc
  • South African rand

Trust Wise with safe & secure money transfers

Safeguarded with leading banks

We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.

See why customers choose Wise for their international money transfers

It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it. Read our reviews at Trustpilot.com.