Who can I send US dollar (USD) to?

You can send US dollar (USD) to any bank account in the US that accepts ACH payments or wire payments. You can also send US dollar (USD) to bank accounts outside the US using the Swift payment network. These payments can take up to 6 working days to arrive and may be more expensive than transfers inside the US.

What information do I need about my recipient?

You’ll need their full name, full address (we don’t accept PO boxes), bank account number, ACH or wire routing number (or ABA), and account type. If you’re sending to an individual, please include their first and last names and use only Latin characters (a-z). There’s an 18-character limit on recipient names. Account numbers are between 4–17 digits long. Routing numbers are 9 digits long. Find your recipient’s routing number

How much can I send to the USA?

How much you can send depends on how you choose to send money to your recipient (ACH, wire, or Swift). 1,000,000 US dollar (USD) per local ACH transfer 6,000,000 US dollar (USD) per local wire transfer when paying using US dollar (USD) in your account 1,600,000 US dollar (USD) per international Swift transfer If your address is in Australia, Japan or the United States, there’s a daily cumulative limit of 5 million GBP, or equivalent in another currency, for sending Swift transfers.

How long does a money transfer to the USA take?

Once we receive and convert your money, we’ll send it out to your recipient. The delivery times will vary depending on the payout method used to send funds to your recipient. If you sent US dollar (USD) to someone in the US: ACH payments usually take 0-3 working days to arrive in their bank account. Wire payments* arrive on the same day or possibly on the following working day. *Your recipient may be charged an additional fee by their bank for incoming wire transfers. If you sent US dollar (USD) to someone outside the US: Swift/ International Wire usually takes 1-6 working days to arrive. We’ll always give you an estimate for how long your transfer will take when you set it up. Learn more about how long transfers take

Is there any other information I need to know?

You can’t send US dollar (USD) to a recipient’s brokerage account or an intermediary bank. We also don’t support For Further Credit (FFC) payments. Keep in mind some banks use different routing numbers based on the transaction type (i.e. Wire or ACH). If obtaining your recipient’s account details from a check, it may not have the correct routing number that corresponds to the transfer type being used.

Send money to US Bank

Save on your transfer to US Bank in the US. Transfer Euro to United States dollar quickly, safely and join over 18.9 million people using Wise.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

Arrives

by Monday, 24 August

Total fees

Included in EUR amount

Send money to US Bank

Save on your transfer to US Bank in the US. Transfer Euro to United States dollar quickly, safely and join over 18.9 million people using Wise.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

Arrives

by Monday, 24 August

Total fees

Included in EUR amount

How to send money to US Bank in the US

Enter amount to send in EUR.

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

Choose recipient in US Bank.

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

Send EUR, receive USD.

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

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 22,000 EUR or equivalent — fees from 0.1%. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to US Bank

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.

Best ways to send money internationally

Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
PISP
PISP (Payment Initiation Service Provider) payments are instructions you give Wise to make a bank transfer directly from your bank account — without having to leave our app and log in to your online banking. This option is as cheap as a manual bank transfer, but it isn’t supported by all banks yet.
Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Credit Card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
Trustly
Trustly is an online bank payment method. With Trustly, you can send money to Wise without leaving our site or app. It's a simple and convenient way to pay in EUR, PLN, SEK, and DKK.
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.

Cheapest way to send money to US Bank in the US

The cheapest way to send 1,000 EUR to the USA is by using money that's in your Wise account and costs 5.65 EUR. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

EUR

USD

Sending 1,000 EUR	Transfer cost
Wise account	5.65 EUR

Bank transfer	8.05 EUR

PISP	6.21 EUR

Google Pay	20.07 EUR

Apple Pay	20.07 EUR

Debit card	42.52 EUR

Credit card	40.31 EUR

Trustly	6.63 EUR

Fastest way to send money to US Bank in the US

Sending money with Wise is super fast: 74% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

EUR

USD

Sending 1,000 EUR	Should arrive
Wise account	by Monday, 24 August

Bank transfer	by Monday, 24 August

PISP	by Monday, 24 August

Google Pay	by Monday, 24 August

Apple Pay	by Monday, 24 August

Debit card	by Monday, 24 August

Credit card	by Monday, 24 August

Trustly	by Tuesday, 25 August