Can I send money to someone with only their email address?

Can I send money to someone with only their email address?

If you don’t know your recipient’s bank details, you can usually send money to them using their email address. All you have to do is enter their email address, and we’ll send them an email with instructions on how to give their bank details themselves.  

If your recipient is already a TransferWise user, they might like to be paid directly into their borderless account. When you enter their email address, their account details will be automatically filled, and you can go ahead with the transfer as normal.

Unfortunately, you can't make transfers to an email address or a primary account when sending from BRL, or if you are sending to PEN, BDT, COP, CNY, INR, UAH, or USD to a bank account outside the US.

Transfers to an email address

To set up a transfer to an email address, follow these steps:

  1. Start a transfer by clicking the Send money button
  2. At the recipient step, choose Someone else or Business or charity
  3. Untick the box next to I know their bank details
  4. Enter your recipient’s email and full name
  5. Pay for the transfer as usual

As soon as we have the money for the transfer, we'll send your recipient an email. That email will contain a link where their bank details can be entered.

As with other transfers, we’ll keep you updated via email. You can also see the transfer progress in your TransferWise account at any point (including when the email has been sent, and when your recipient has completed the transfer).

Transfers to TransferWise users

Similar to the above example, when you select anything other than Myself at the recipient step of transfer creation, you can untick the box which says you know your recipient's bank details and enter their name and email address. Then, go ahead as normal with the transfer. 

If they’re already a TransferWise user and would like to be paid into their borderless account, they’ll need to nominate a primary account. This will need to be in the currency you’re sending them, for example, to send euros to your recipient, their primary account must be their EUR balance. 

Please note

  • If the person you're sending money to doesn't accept the email transfer within 5 working days, we’ll refund your money back to the bank account it came from. This is because we can't hold money longer than 5 working days when making email transfers.
  • This feature is not currently available on our apps.


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