How to make USD to USD transfers with Wise

2 minute read

If you’re new to the US or have visited abroad, you may have quickly realized how limiting the American banking system is. Sending money to your granny in Europe is only a click away from your online bank account. In the US, however, it’s a bit trickier.

Americans are used to checks, cash, and debit/credit cards. The thought of sending money to someone else’s bank account without involving the postal service is only just beginning to catch on. There are several new players jumping in to help solve the issue, but the United States banking system has a ways to go. And adoption, especially among those who aren’t so tech-savvy, is slow-going.

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making a dollar to dollar transfer

Can I make a US dollar to US dollar transfer with Wise?

Many who are frustrated with the limitations of the American banking system may be wondering if they can send US dollars from inside the US to another bank account in the US without making a pricy wire. Or, if you’ve already heard of us, you may be itching to know if it’s possible to make a US$-to-US$ transfer with Wise.

The answer, thankfully, is that you should be able to do that in most cases.

Though it started out as an international service, Wise has expanded to domestic options with alternatives to traditional banking like the borderless multi-currency account. And that’s where we’ll need to begin for that to happen.

How does a borderless account help me? Is it different from regular Wise?

The borderless multi-currency account in Wise is just a fancy way of saying that you can hold money (a balance) inside the Wise system.

  • Sign up for the borderless account is free.
  • We don’t throw ugly monthly charges on you.
  • The only costs you’ll find are small, fair fees when you switch between currencies or send money within the US or abroad.

We call borderless by a separate name because it’s a little different from regular Wise. Regular Wise deals only with sending money abroad.

Borderless accounts can:

  • receive your money like a local in several regions (currently the EU, the UK, the US and Australia)
  • manage and hold your money in multiple currencies
  • let you spend your funds with the Wise debit card
  • send money internationally

We think the account adds a whole new world of opportunities for folks who want to live a borderless life. (Get it, borderless?)

getting started with borderless

How do I get started with a borderless account?

If you don’t already have a Wise account. You’ll wanna go to and sign up.

The next step is activating your borderless account. As a heads up, Wise is a regulated financial body, which means we’ll need to confirm your identity with several key pieces of verification before you can fully activate your borderless account.

Once you’re all set up and have finished the verification process, you can activate your borderless account and begin holding a balance in dozens of currencies — sending your money all over the world. Or just inside the US.

making a US dollar to US dollar transfer in borderless

Now that I have my borderless account, how do I make a US dollar to US dollar transfer?

To send money within the US with Wise for the first time, you’ll need to follow these steps:

  1. Sign in to your account at
  2. On the left navigation bar, click on balances
  3. From there, choose Activate a currency
  4. Choose USD from the dropdown menu
  5. Once dollars are activated, click Add USD to top up your US dollar balance (either via your debit/credit card or by deducting the money from your US bank account)
  6. Now Send USD
  7. From there you’ll need to enter your US recipient’s US bank details (full name, address, ACH routing number, and account number).
  8. Pay for the money with your USD balance (the money you’re holding in your borderless account) and then you’re done. The money should be in your recipient’s bank account within 1-2 business days.

Itching to know more about Wise?

Visit How Wise works or start browsing our Wise help center.

Wise is the smart, new way to send money abroad.

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