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Which USD payment method is best?

For transfers from the US, there are several of ways to send us money. Rather like the US banking system in general, it can be a bit confusing as to which is best for you. Below is a summary of the currently available payment methods and what they're best suited for. 

 
Bank Debit (ACH) Domestic Wire Debit/Credit Card 
(Licensed states only)
Apple Pay SWIFT
0.15% fee Additional banking cost Please check fees here Same fees as cards - debit, no fee; credit, 2% fee Significant additional banking cost
Available from most banks Available from most banks Available from most banks Available from any Apple Pay enabled device Available from most banks
Only for payments up to: $15,000 for new users, and $15,000- 20,000 for repeat users* Available for larger payments up to $1,000,000*  Daily Limit (per 24hrs): $2000, Weekly Limit: $8000 Daily Limit: $2000, Weekly Limit: $8000 Available for larger personal payments up to $49,999**
Is generally fast, but in some cases can take 1-4 working days Typically, slightly faster than ACH Instant Completed within 30 minutes Slowest method in most cases
Not available for payments from outside the US Not available for payments from outside the US Not available for payments from outside the US Not available for payments from outside the US Available for payments from outside the US


* Except in Louisiana (LA), Nevada (NV) and Hawaii (HI).
** If you are resident in one of the states in the U.S. in which we're licensed, you can read about the maximum amounts per transfer here. The wire limit is $250,000 for businesses.

 

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