How to make USD to USD transfers with Wise?


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.

This is where Wise can help you. With a free Wise account, you can send US dollars to domestic accounts and also send money all over the world, amazingly fast. In this article, we’ll show you how to do it.


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 pricey wire. 

Or, if you’ve already heard of us, you may be itching to know if it’s possible to make a USD to USD 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 Wise multi-currency account. And that’s where we’ll need to begin for that to happen.

How does a Wise multi-currency account help me? Is it different from a regular Wise account?

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

  • Sign up for the multi-currency 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.

Plus, Wise multi-currency accounts can:

  • receive your money like a local in several regions (currently in the EU, the UK, the US, Canada, Turkey, Singapore, New Zealand and Australia)
  • manage and hold your money in multiple currencies
  • let you spend your funds with the Wise debit card
  • send money internationallyup to 6x cheaper than a bank.

getting started with borderless

How do I get started with a Wise account?

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

The next step is activating your Wise 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 Wise account.

Once you’re all set up and have finished the verification process, you can activate your Wise 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 Wise 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.

How do I send USD internationally?

With a Wise account, you can also send US dollars internationally. It is one of the cheapest, easiest way to send, receive, hold, and convert money around the world — up to 6x cheaper than a bank.

To send money internationally with Wise, just click the send money button on the left navigation bar. Here, you can select where do you want to send the money from.

Then, you need to select ‘International’ and choose your desired currency.

Click Continue and follow the steps on the screen. 

Here you can see, how much you can save with Wise:

Can Wise receive USD?

Sure! You can even have your own local USD account details. Plus, apart from USD, you can also hold and convert more than 50 currencies on your multi-currency account.

Itching to know more about Wise?

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

Learn more about Wise

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from Wise Payments Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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