What are USD account details and how do I get them?
These are your very own account details to receive US dollars. Your USD account details can only receive USD.
To get your USD account details , you need to get verified and add at least 20 USD to your balance. After you get your details, you’ll be able to spend that money however you like.
Your account details include:
-
account name — your name as it appears on your Wise account
-
account number
-
routing number(s)
-
SWIFT code — for international payments from countries other than the US
-
local US address — if your payer needs to include an address, use: TransferWise, 19 W 24th Street, New York, 10010
When your sender enters your account details in their bank's system, they might see Community Federal Savings Bank (CFSB) if the routing number starts with 026, or Evolve Bank and Trust (EVOLVE) if the routing number starts with 084. This is because Wise's USD accounts are with both CFSB, and EVOLVE.
If you have any questions about your account, always talk to Wise support team — CFSB or EVOLVE won’t be able to give you any information, because you don't have an account directly with them.
Learn more on how we keep the money in your account safe
Check the limits for how much you can receive into your USD balance.
How do I receive USD from inside the US?
If your routing number starts with 084
Your single routing number will work for both ACH and wire transfers.
If your routing number starts with 026
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 7.50 USD fee.
What if my sender used the wrong routing number?
If your sender uses the wrong routing number, the money will bounce back to their account within 3 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.
Tip: Check out our blog post all about different US payment methods.
How do I receive USD from outside the US?
Your USD account details can only receive USD — not other currencies. To receive other currencies you can get account details in another currency, or ask your sender to sign up with Wise.
You can't receive USD from outside the US if you live in one of these countries — this is because we can't give you a SWIFT code.
If you have a SWIFT code, you can receive USD from these countries .
Your sender should go to their bank to set up a SWIFT transfer using your USD account details. This can take 4–5 working days to reach Wise.
Some banks will let your sender set up a SWIFT transfer online or through the phone, but they may need to go physically into the branch. When setting up the SWIFT transfer, they should choose checking as the account type.
If someone sends you money using a wire or SWIFT transfer, we'll charge a 7.50 USD fee.
What information should my sender use?
Provide your sender your:
-
account number
-
SWIFT/BIC code
-
the local address on your details: Wise, 19 W 24th Street, New York, 10010
If your sender doesn’t provide the address in their SWIFT transfer, we’ll have to reject the payment. It can take 3–10 working days, sometimes longer, to get the money back to them.
Set up Direct Debits with your 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.
Learn more about Direct Debits