Here you'll find everything you need to know about sending to and from US dollars (USD).
USD transfers have different limits depending on in which state you opened your bank account.
You can see our per transfer limits in the from USD table below.
Check the latest fees
Sending to USD
Sending from USD
Sending to USD
|Delivery time||1–2 working days within US||After payout. Please keep in mind that TransferWise can take up to 2 working days to convert your money after receiving it|
|Maximum amount (per transfer)||1,000,000 GBP in USD||Upper limit is equivalent of 1,000,000 GBP in USD at the current mid-market rate|
|Countries we can send to||USA/some countries outside of the US||
For Further Credit (FFC) payments to US accounts are not recommended.
FFC payments to accounts outside the US are not allowed
|Pay out method||ACH electronic payment|
|Reference||Yes||10 character maximum, 5 character minimum|
|Recipient full name||Yes||When sending to individuals, please include first name and surname. There is an 18 character limit. Please use only standard Latin letters (a–z)|
|Recipient full address||Yes||If your recipient is a business, we'll need the business address. We cannot remit payment to any USD recipient if you provide a PO box address so please use a physical address for your USD recipient|
|Recipient electronic/check routing number||Yes||See where your recipient can find their routing number|
|Recipient account number||Yes||Varies in length, always only numbers|
|Amount lock transfers||Yes||The currency you're sending from must also be able to send fixed amounts. Please see our Currencies pages for more information|
|Transfers to brokerages and intermediary banks||No||We can only send money to an account that is a final destination of the transfer|
|Accepted bank accounts||Checking and saving accounts||Please note that some businesses may not accept payments via a third party|
|Sending USD to an account outside of US||Yes, to some countries||Please note the fees, delivery time, required recipient details and pay out method will differ for these transfers|
Sending from USD
|Time for deposit to reach TransferWise||1–4 working days, depending on how you send money|
Maximum amount per transfer (from within unlicensed states and US territories)
|50,000 USD (personal)||These limits apply if you are sending from any of the unlicensed states (Nevada and Hawaii) or US territories (Puerto Rico, Guam and Virgin Islands).
We can't currently accept card payments from these states and territories.
Limit for ACH bank debit payments is 10,000 USD per order per 24 hours
|250,000 USD (business)|
Maximum amount per transfer (from within licensed sates)
|1,000,000 USD (personal)||Limit for ACH bank debit payment is 15,000 USD per order per 24 hours.
You can read more about transferring USD from licensed states
|1,000,000 USD (business)|
|How to send money||ACH direct debit||Debit/credit card payments are available in licensed states only. SWIFT available for payments from outside the US. More information on each payment method can be found by clicking the links to the left|
|Additional sending fees||Your bank is likely to charge for domestic wire and SWIFT transfers||Typically these fees are 15–30 USD, but vary depending on your sending bank. You can check with them to find out their standard fee for wire and SWIFT transfers|
|Availability||Widely available||From all US states. USD can be received from outside the USA via SWIFT payment only|
|Recipient's full address||Yes|
|Your SSN/ID verification||Yes||An SSN is requested from every customer sending from USD. If you don't have one, our system will ask you for a bit more info and to upload an ID document issued outside of the US|
|Guaranteed rate||Yes||For payments from USD, the exchange rate is fixed providing we receive your money before 4:00 pm (EST) the following working day. With ACH bank debit payments, the rate stays locked beyond this period providing a successful attempt is made before 7:00 pm (EST) the following day|
|Amount lock transfers||No||Providing the conditions for the 24-hour rate fix are met, the guaranteed rate would theoretically provide a fixed amount. However, please keep in mind that if the conditions aren't met, we can't guarantee a fixed amount|