To get account details, first open a balance in USD, then request account details.
Where can I find my USD account details?
Once we’ve issued your details, you can see them on your account. Click here to see your details, or follow these steps:
Select your USD balance
Click on Receive
Choose Your USD account details
If you click on the question mark next to our address, you’ll see the details of our new banking partner.
We’ve recently updated the USD account details for some of our customers. Make sure you use your correct details.
What are USD account details?
These are your very own account details to receive US dollars (USD) into your Wise Account. For most customers, we provide two sets of details:
Local for payments sent from within the US
Global — Swift for payments sent from outside the US.
Your details include:
Account holder: your name as it appears on your Wise Account
ACH and wire routing number
Account number
Account type: Checking — some banks will ask senders to specify the account type
Swift/BIC: for international payments sent from outside the US. You can only see these on your Global - Swift details
Wise’s address: if your payer needs to include an address. You can also find the address and name of our partner institution if you click on the question mark next to our address
You can't get USD account details if you live in one of these countries and territories
How do I use them?
The account details we offer aren’t a bank account, but the account number and routing number we give you work the same way when receiving money. Just share your account details with your friends, company or customers, and they can send you USD.
Keep in mind your USD account details can only receive USD. Money sent in any other currency will be returned back to the sender.
Your sender's bank may ask for e-teller ID, but we won't have this information. When setting up the transfer, your sender should add your account details manually instead of selecting the bank name.
There are some limits for receiving USD into your Wise Account.
Check the limits for how much you can receive
Learn more on how we keep the money in your account safe and about earning interest on your Wise account if you live in the US.
How do I receive USD from inside the US?
Provide your ACH (ABA) routing number if you’re:
being paid a salary
receiving earnings from platforms, such as Amazon
receiving direct deposits
receiving non-urgent payments
ACH payments, also known as electronic money transfers, are the most common payment method in the US. They’re usually free, or cost a lower fee for your sender. They typically take 2–3 working days to reach Wise.
Provide your wire routing number if your sender specifically wants to pay you with a wire. Wire transfers can cost your sender 20–30 USD, but will reach your Wise account within 1 working day. If someone sends you money using a wire transfer, we’ll charge a 4.14 USD fee.
What if my sender used the wrong routing number?
If your sender used the wrong routing number, the money should be returned to their account within 3-5 working days.
If the money hasn’t gotten back to them in that time, they should get in touch with their bank to set up a trace on the money. We can’t track money that was sent to the wrong details.
Check the latest fees and our blog post all about different US payment methods.
How do I receive USD from outside the US?
To receive USD from outside the US, use your Global - Swift details that you can see under your USD balance.
Your USD account details can only receive USD. To receive other currencies, you can get account details in another currency, or ask your sender to sign up with Wise.
If you have a Swift code, you can receive USD from anywhere in the world, except these countries and territories.
Transfers to your global USD account details can take up to 5 working days.
If someone sends you money using a Swift transfer, we'll charge a 4.14 USD fee.
What information should my sender use?
To receive a Swift transfer, you should give your sender the details under the Global - Swift tab:
Account holder: the name on your account
Routing number
Swift/BIC: for international payments sent from outside the US. You can only see these on your Global - Swift details
Account number
Wise’s address: if your payer needs to include an address. You can also find the address and name of our partner institution if you click on the question mark next to our address
If your sender doesn’t provide the address in their Swift transfer, we’ll have to reject the payment. It can take 5–10 working days, sometimes longer, to get the money back to them.
If you want to send your USD details to your sender, you can also download your account details document.
Can I set up Direct Debits to my USD account details?
You can share your details with a company, and give them the permission to take regular payments from your account.
You might use Direct Debits to pay for a monthly subscription like the gym, or to pay your phone or energy bill.