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USD Transfers

This FAQ contains everything you need to know about sending money to the US with TransferWise.

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Sending to USD
For more information and to get started with your first transfer to USD, click here!

Basic Information   Notes
TransferWise Fee See pricing page We have tailored pricing for transfers from USD, so you can check the fees in more detail here.
Delivery time 1-2 working days After payout. Please keep in mind that TransferWise can take up to two working days to convert your money after receiving it.
Maximum amount (per transfer) £1 million in USD Upper limit is equivalent of £1,000,000 in USD at the current mid-market rate.
Countries we can send to US Only For Further Credit payments to US accounts are not recommended.

For Further Credit payments to accounts outside the US are not allowed. See here.
Pay out method ACH Electronic Payment  
Reference Yes 10 character maximum, 5 character minimum
Required Details    
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 Personal Address Yes If your recipient is a business, we'll need the business address.
Recipient Electronic/Check Routing Number Yes You can see where your recipient can find their routing number here.
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 other currency FAQs more information.
Guaranteed Rate Yes You'll get a guaranteed rate when sending to USD from most of our currencies (excluding BRL, CHF, and CZK). This will last for 24 or 48 hours depending on your sending currency. Learn more here.
Transfers to Brokerages and intermediary banks No We can only send money to an account in the USA that is a final destination of the transfer.
Accepted bank accounts Checking and Saving accounts in the USA only Please note that some businesses may not accept payments via a third party.

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Sending from USD
Basic Information   Notes
TransferWise fee See pricing page We have tailored pricing for transfers from USD, so you can check the cost of your transfer on our pricing page.

You can also see how we work out our fees, and a more specific explanation of our USD fees.
Time for deposit to reach TransferWise* 1-5 working days, depending on how you send money Please note TransferWise usually only receives deposits within UK working hours (9-5 UK time Mon-Fri).
Maximum amount (per transfer) $1,000,000* The limit for paying by card is $2,000/day and $8,000/week.

*If you're a resident of Louisiana, Hawaii, or Nevada, the amount you can wire is different: $50,000 per personal transfer and $250,000 per business transfer. And if you're paying with ACH bank debit, it's $10,000 per transfer or day.
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. You can see a guide on which is best here. For a guide on how to transfer from the biggest banks in the US, see here.
Domestic Wire
Debit/Credit Card
Apple Pay
Additional sending fees Your bank is likely to charge for Domestic Wire and SWIFT Transfers Typically these fees are $15-30, 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.
Additional Requirements    
Recipient's full address Yes -
Your SSN/ID verification Yes An SSN is requested from every customer sending from the US. If you don't have one, you'll have the option to provide a US or non-US ID document (except in the case of ITIN's where a non-US document is required). If you do not have an SSN, you'll need to provide a reason for this.
Guaranteed Rate Yes For payments from USD, the exchange rate is fixed providing we receive your money before 16:00 EST the following working day. With ACH Bank Debit payments, the rate stays locked beyond this period providing a 'successful' attempt is made before 19:00 EST the following day.
Amount Lock Transfers (in) 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, a fixed amount is not guaranteed.
Business payments Yes  

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USD Refunds

If you cancel your transfer from the US after you've sent your money to us, and before the transfer has been completed, we can refund your money back to you. See what's required to complete the refund below.

ACH Bank Debit

ACH Bank Debit with TransferWise before we can refund it. As soon as it reaches us, we'll send it back to the account it came from via ACH.

It'll take 2 working days maximum to be back in your account.

Domestic Wire Transfer

If you want us to refund your wire, you can cancel your transfer on your profile. We'll ask our bank to reject this transfer.

If this is unsuccessful, we'll contact you and request the following details of your sending account:

- Name of the account holder
- ACH Routing Number
- Account Number

We'll refund your money via ACH. It'll take 2 working days maximum to be back in your account.

SWIFT International Transfer

If you want us to refund a  SWIFT payment, we need the following details to send your money back to you:

- Account holder name
- Bank code (BIC/SWIFT)

The refund will take 5 working days maximum to be back in your account.

ACH Electronic Payment

If you've sent your money to us via ACH electronic payment, we just need your ACH account details to send it back to you:

- Account holder name
- ACH Routing Number
- Account Number

The refund will take 2 working days maximum to be back in your account.


We cannot accept checks. If your money has been sent to us this way, it will be refunded to you. We will need the following details to return your money:

- Account holder name
- ACH Routing Number
- Account Number

To make sure these details belong to you, we also need a proof of bank account.

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