Question 1

What is an international wire transfer?

Accepted Answer

An international wire transfer is a way to make payments from your bank account to another bank account in a different country. Sending international money transfers with a traditional bank can be expensive though — it can be much cheaper with Wise.

Question 2

How long does it take to wire transfer internationally?

Accepted Answer

For popular currencies, Wise can send your money within one day — or even within seconds. Sometimes, payment methods or routine checks can affect the transfer delivery time. We’ll always keep you updated, and you can track your transfer in your account.

Question 3

What information is needed for an international wire transfer?

Accepted Answer

Sign up for free online or using our app. All you need is an email address, or a Google or Facebook account.
Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
Add your recipient’s bank details. If you don’t know their details, we can request them for you.
Verify your identity. For some currencies, or for large transfers, we’ll need to verify you — we usually just need a photo ID. This helps us keep your money safe.
Pay for your transfer with a debit or credit card, or bank transfer.
That’s it. You can track your transfer in your account, and we'll tell your recipient the money is on its way.

Question 4

What’s the best way to wire money internationally?

Accepted Answer

Choosing how you want to send money with Wise largely depends on your payment method. Some are faster than others, and some may be slower but cheaper.

Question 5

Are there limits on international wire transfers?

Accepted Answer

Yes, there are limits to how much you can send with us. They depend on the currencies you’re sending to and from, and how you pay. You can check the limits for each currency on our Help Centre, or by using our calculator. We’ll also let you know if you try to send too much at one time.

Question 6

How do I know the money will get there?

Accepted Answer

We follow a strict set of rules set by regulatory agencies in every country we operate in, so you can feel assured that we’ll send the money to exactly where you’ve told us to send it. You can check what recipient details you entered by downloading a transfer receipt.

Question 7

How will the money be received?

Accepted Answer

When you send an international money transfer, we’ll simply deposit the money into your recipient’s bank account — unless you’ve selected a method where this works differently, like Interac for CAD, for example.

Question 8

How can I avoid a wire transfer fee?

Accepted Answer

You can avoid a wire transfer fee by selecting a different payment method — like ACH bank debit, credit or debit card. Keep in mind, these payment methods have lower limits. So if you want to send a large amount, you’ll need to send multiple smaller transfers.

Question 9

What documents do I need to send an international wire transfer?

Accepted Answer

Because Wise is a regulated financial institution, we need to know who our customers are. It helps us combat money laundering, and keep everyone’s money safe. So depending on multiple factors, we can ask for identifying documents at any time. Typically, we’ll ask for a photo ID and/or proof of address — but sometimes we’ll ask for other information.

Sending 1,000 USD with	Recipient gets(Total after fees)
	6,756.66 CNY
Transfer fee 17.87 USD Exchange rate(1 USD CNY) 6.8796 Exchange rate markup 0 USD Cost of transfer 17.87 USD

	6,627.23 CNY- 129.43 CNY
Exchange rate(1 USD CNY) 6.6272 Exchange rate markup 36.68 USD

	Wise	Bank of America
Recipient gets (Total after fees)	6,756.66 CNY	6,627.23 CNY
Exchange rate (1 USDCNY)	6.87960	6.62723
Exchange rate markup	0 USD	36.68 USD
Transfer fee	17.87 USD	0 USD
Total transfer cost	17.87 USD	36.68 USD

Sending USD	Transfer cost
Wise account	52.47 USD

Bank transfer	58.94 USD

Direct debit	62.80 USD

Sending USD	Should arrive
Wise account	in seconds

Bank transfer	by Thursday

Direct debit	in seconds

International wire transfer

International wire transfer

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How to wire money internationally from China

Enter amount to send in USD.

Choose your recipient.

Send USD, receive CNY.

How we keep your money safe

Wire money abroad with the Wise app

Cheap transfers abroad

Track exchange rates

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Wire money abroad with the Wise app

Cheap transfers abroad

Track exchange rates

Real-time notifications

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