How do I use my USD bank details?

How do I use my USD bank details?

These are your very own bank details to receive US dollars (USD) with zero fees. 

This isn’t a bank account, but the unique account details we give you work in the same way when receiving money. Just give your account name, account number, ACH routing number or wire number, along with the local address listed with your details (this is either TransferWise or one of our partners’ address) to your friends, company or customers to send you USD.

They can also send you USD internationally via the SWIFT network from a limited number of countries only by using your account number and SWIFT/BIC. The sender will also need to cover the SWIFT fees with their bank (which TransferWise isn’t aware of and can't control), but we won't charge you anything for receiving these transfers.

Learn how to add money to your USD balance.


Which routing number should I give my payer?

  • Use your ACH routing number if you’re being paid a salary, earnings from platforms such as Amazon, or for non-urgent payments. This method of payment is usually free or costs a lower fee than wire transfers, which are faster.
  • Use your wire routing number if your payer wants to make a same-day transfer. This usually costs around 20–30 USD. 

In case a payment is sent with the wrong routing number, it’ll always be refunded back to the sender. If it was sent by wire, it should arrive back the next day. If it was ACH, it’ll be back within 3 working days.

Account details Account holder name, address, account number, ACH routing number, wire transfer number, SWIFT/BIC code

Unlike other currencies, your USD bank account details have "TransferWise FBO" plus your name as your account holder name. Make sure whoever’s wiring you money includes this. You can receive ACH payments without "TransferWise FBO" in the account holder name
Account type Checking (choose this option when paying into this account, instead of savings). Your borderless account isn't actually a checking account, it's an account to store prepaid money — but you or the payer will need to pick this option for the payment to work
Address In case your payer needs the address, please use the following: 

TransferWise, 19 W 24th Street, New York, 10010
Limits for accepting payments There are daily and yearly limits of how much you can receive to your USD balance.
Payment types accepted Wire and ACH
International wire/SWIFT We can only accept international wire/SWIFT from the following countries: Australia, Austria, Belgium, Bulgaria, British Virgin Islands, Canada, China, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Guernsey, Greece, Hong Kong, Hungary, Iceland, India, Isle of Man, Italy, Japan, Jersey, Latvia, Liechtenstein, Luxembourg, Malta, Netherlands, New Zealand, Norway, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, Taiwan, UK, and United Arab Emirates.  

Please also note that SWIFT transfers are more costly for the sender. SWIFT payments usually take 1-3 working days to reach their destination, but they can take longer due to time differences, or multiple intermediary banks. Learn more about SWIFT transfers.
Can I accept direct debits? No (we’re working on this)
You can receive Payments from friends/family/other folks, wages/salaries, payments from companies like Amazon,, and others
You can't yet receive International Wires from outside of the US unless they're sent from one of the countries listed above. We’re working hard to enable this for more countries in the near future. Payments in currencies other than USD
Time to receive a payment 1 working day for wire transfers, 1–3 working days for ACH
PDF statements/proof of ownership You can download statements as a PDF from your profile. You can use this to prove your account ownership.

Let people know they need to update your bank details

We recently updated the account holder name for your USD bank details to include “TransferWise FBO” before your name. From 1st January 2019, we’ll reject any wire or SWIFT payments made to this account that don’t include the updated account holder name. This change won't affect ACH payments.

Here’s a template email that you can send to friends, customers, and businesses who pay you, so they know about the change. If someone can’t enter that many characters into the account name field, just ask them to use "TransferWise FBO" as the recipient's name and add your name to the reference field.

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