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How do I transfer money from my U.S. Bank Account?

Wire transfer option

If you choose to pay for your TransferWise transfer by "Wire transfer", you would need to send us your money manually. We can only display our U.S. bank account details, so you would need to log in to your online bank on a separate web tab (away from our website), open up your banking app or call your bank and make a domestic wire transfer to those details.

In addition, please make sure your bank will deliver us your wire within the guaranteed rate time frame. If they choose to pay by slower methods and the money arrives later, you will need to manually confirm a new conversion rate once your money reaches us (we will email you if that's needed).

Other options

Payment methods vary from bank to bank, so please select the bank of your choice:

Bank of America
Chase
Wells Fargo
PNC Bank
Citibank
TD Bank
Other banks

ACH transfer or Electronic Funds Transfer (EFT) – some banks offer these transfers, which are equivalent to a wire transfer. They are usually slower than wire transfers but can also cost less. To send one of these you'll need to use our ACH routing number and account number (both shown in the final step when you create a payment under the 'Wire Transfer' tab).


Find something that’s missing or not accurate? Please let us know!

 

Bank of America 

Bank of America offers different transfer speeds for different prices:

3 business days - 3 USD
Next business day - 10 USD
Same business day - 30 USD

We recommend the same business day wire transfer as it is faster, and ensures that the funds reach us within the guaranteed rate time frame. If you choose slower methods, you will need to manually confirm a new conversion rate once your money reaches us (we will email you if that's needed).
 

Chase

To send a wire transfer, log into the Chase online banking. Click the tab called “Payment and transfers” and set up a new wire transfer. Chase will likely charge you ~$30 for this transfer.

Quickpay – please note that we can’t accept these payments from Chase.

 

Wells Fargo

To send a ordinary wire transfer you will need to visit a Wells Fargo branch. In case you’ve already completed a Wire Agreement at a branch, you can also set up wire transfers over the phone. Wells Fargo will likely charge you ~$30 for this transfer.   

 

PNC Bank

To send a ordinary wire transfer you will need to visit a PNC Bank branch. PNC Bank will likely charge you ~$25 for this transfer. BillPay – please note that we can’t accept BillPay from PNC Bank.  

 

Citibank

Using the Citibank online banking you have two different ways of sending money domestically; wire transfer or external transfer. The wire transfer is faster, but Citibank will likely charge you ~$35 for this transfer. The External transfer is slower and only for transfers up to $2000, but usually at no extra fee.

To send a wire or an external transfer, log into the Citibank online banking. Then go to “Payments and transfers”, select the transfer of your choice from there and enter the TransferWise bank account details you’ve been given (note that what we call routing number may be called ABA number).

 

TD Bank

To send a ordinary wire transfer you will need to visit a TD Bank branch. TD Bank will likely charge you ~$25 for this transfer.

Please note that we can’t accept BillPay from TD Bank. Also, despite its name you won’t be able to use the “Transfers to accounts outside TD Bank” option.

 

I’m with another bank

We accept transfers from all banks, but unfortunately can’t keep instructions up to date for everyone, so here are some general rules of thumb:

Wire transfer – this is the most common way of transferring money domestically. Some banks offer this via online banking, others require you to call or visit a branch to set up a wire. Your bank will likely charge a fee between $20-$35 to make this transfer.

BillPay – we can only accept BillPay payments sent electronically (as ACH). If your bank tries sending the money as a check, it will be rejected as we cannot accept these. Please check this with your bank before attempting to use BillPay to avoid disappointment.

Sending money to our email / phone number – unfortunately we can’t accept any transfers sent this way.

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