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Transfers from USD: Domestic Wire

Here's everything you need to know about sending money via Domestic Wire:


Basic Information   Notes
General availability US only Cannot be used for transfers from outside the US
Availability from banks Widely available Most banks should support Federal Wire. See how to make a transfer with the biggest banks here
Time for your money to be cleared to TransferWise 1 working day -
Additional Bank Fees Yes Your bank will most likely charge a fee for the transfer
Required Details*   *In addition to the required details for the country you're sending to
Recipient's address Yes Must be a residential address and not a PO box address
Your US state and ZIP code (or full address for non-US residents) Yes -
SSN Verification/ID verification Yes An SSN is requested from every customer sending from the US. Failing this, you will also 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 will be asked to provide a reason for this.
Amount Lock Transfers No Not available via any US payment method. However if we receive your money within 24 hours of creating the transfer you will get, in effect, a specific amount due to the fixed rate. Please see 'guaranteed rate' below
Minimum/Maximum transfer size $3/$50,000 * For limits regarding transfers when you are resident in one of our licensed states in the U.S., please click here.

The maximum limit is $250,000 for businesses.
Transfers to an email address No -
Guaranteed Rate Yes For transfers from USD, the exchange rate is fixed providing we receive your money before 16:00 EST (Eastern Standard) the next working day.

Refunding money originally sent by Domestic Wire

When issuing you a refund, we send the money back to your account via ACH direct deposit, not Domestic Wire. This requires a slightly different routing number, which you can read more about here.

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