Guide to USD transfers

Here you’ll find answers to the most common questions about US dollar (USD) transfers.

Sending to USD

Who can I send USD to?

You can send USD to any bank account in the US that accepts ACH payments. You can also send USD to bank accounts outside the US using the SWIFT payment network. These payments can take up to 5 working days to arrive and may be more expensive than transfers inside the US.

Countries you can send USD to

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, routing number (ABA or ACH), 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?

Up to 1 million USD per local transfer. And up to 1.6 million USD per SWIFT transfer.

How long does it usually take for the money to arrive?

Once we receive and convert your money, we’ll send it out to your recipient. If you sent USD to someone in the US, it usually takes 1–3 working days to arrive in their bank account. But, if you sent USD abroad, it usually takes 1–5 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 USD to brokerages or intermediary banks. We only support transfers to checking and savings accounts.

Some banks use different routing numbers for different types of transactions. So, the routing number on your recipient’s checks might not be the right number for sending a transfer.

If you’re not sure which routing number you’ll need, ask your recipient to check with their bank that it supports ACH transfers. Using the wrong number can slow down your transfer.

We can’t send For Further Credit (FFC) payments.

Sending from USD

How can I pay for my transfer from USD?

You can pay for a transfer by:

You can’t pay for your transfer with bill payments, cash, or checks.

What information do I need about my recipient?

You’ll need your recipient’s full address for any transfer from USD. This is so we can make sure your money gets to the right person.

How much can I send?

If your account address is in one of our licensed states , or in a country outside of the US (US territories excluded), you can send up to:

1,000,000 USD per transfer on personal and business accounts
15,000 USD per day using bank debit (ACH) — the limit resets at 11:59 pm (UTC)
2,000 USD per 24 hours and 8,000 USD per 7 days using debit or credit cards

If your account address is in Nevada, Hawaii, Guam, or the Virgin Islands, you can send up to:

50,000 USD per transfer on a personal account and 250,000 USD per transfer on a business account
250,000 USD in a year on a personal account and 1,000,000 USD in a year on a business account
10,000 USD per day using bank debit (ACH)

Where can I send from?

You can send a transfer with bank debit (ACH) or wire transfer from any bank account in the US.

But, if your account address is in Nevada, Hawaii, Guam, or the Virgin Islands, you can’t send money using a debit or credit card.

If your account address is in the US, you can’t send USD from a bank account outside of the US. If your account address is outside of the US, you can send USD from a bank account outside of the US via SWIFT.

How long does it usually take for the money to arrive?

It usually takes 1–4 working days for your money to get to us, depending on how you pay for your transfer. Then, we convert it and send it out. Conversion can take up to 2 working days.

Check the guide for the currency you’re sending to for an estimate on how long it will take to arrive in your recipient’s account after we send it out.

I’ve cancelled my payment, how long will my refund take?

We’ll let you know when we’ve refunded your money. The time it takes for you to get your refund depends on how you paid,

Card payments take 2–10 working days
ACH debits take 1–3 working days
Local wire transfers take 1–3 working days
SWIFT transfers take 2–5 working days

If you paid using ACH debit, we’ll have to wait to receive your money before we can refund it back to you.

If you paid by wire transfer or SWIFT transfer, we might need more information before sending your refund. We’ll send you an email if we do.

Make sure to wait until the above time frame has passed before getting in touch about a refund — we’re not able to speed up the process.