How do I use my USD bank details?

Here you’ll find information about your USD bank details. You can choose your question below to skip to your answers.

What are USD bank details and how do I get them?
How do I receive USD from inside the US?
How do I receive USD from outside the US?
What countries can I receive USD from?

What are USD bank details and how do I get them?

If you live in one of these countries, you can get your very own bank details to receive United States dollars (USD) into your multi-currency account.

To get your USD bank details, you need to get verified and add at least 20 USD to your balance. After you get your details, you’ll be able to spend that money however you like.

Your bank details include:

• account name — your name as it appears on your TransferWise account
• account number
• routing numbers — both a wire transfer number and an ACH routing number
• SWIFT code — for international payments from countries other than the US
• local US address — if your payer needs to include an address, use: TransferWise, 19 W 24th Street, New York, 10010

When your sender enters your bank details in their bank's system, they might see Community Federal Savings Bank (CFSB). This is because TransferWise's USD accounts are with CFSB. If you have any questions about your account, always talk to TransferWise — CFSB isn't able to give you any information, because you don't have an account directly with them.

Learn more on how we keep the money in your account safe

Check the limits for how much you can receive into your USD balance.

How do I receive USD from inside the US?

If your sender is a TransferWise customer, they can set up a transfer on their TransferWise account and use your USD bank details in the recipient section — just make sure they use the ACH routing number.

If your sender isn’t a TransferWise customer, they can pay you by bank transfer directly from their bank account. They’ll need to choose checking as the account type.

Which routing number should I give my sender?

Provide your ACH (ABA) routing number if you’re:

• being paid a salary
• receiving earnings from platforms, such as Amazon
• receiving direct deposits
• receiving non-urgent payments

ACH payments, also known as electronic money transfers, are the most common payment method in the US. They’re usually free, or cost a lower fee for your sender. They typically take 2–3 working days to reach TransferWise.

Provide your wire transfer number if your sender specifically wants to pay you with a wire. Wire transfers can cost your sender 20–30 USD, but will reach your TransferWise account within 1 working day. If someone sends you money using a wire transfer, we'll charge a 7.50 USD fee. 

Check the latest fees

What if my sender used the wrong routing number?

If your sender uses the wrong routing number, the money will bounce back to their account within 3 working days.

If the money hasn’t gotten back to them in that time, they should get in touch with their bank to set up a trace on the money.

Tip: Check out our blog post all about different US payment methods. 

How do I receive USD from outside the US?

You can only receive USD from certain countries.

If your sender is a TransferWise customer and doesn’t have USD, they can set up a transfer to convert their money to USD. When they enter your details as the recipient, make sure they use the ACH routing number.

If your sender isn’t a TransferWise customer and doesn’t have USD, they won’t be able to send money to your USD bank details. Your USD bank details can only receive USD. You can get bank details in another currency, or ask your sender to sign up with TransferWise.

If your sender isn’t a TransferWise customer and has USD, they can send money to your balance. They’ll need to go to their bank to set up a SWIFT transfer using your USD bank details. This can take 2–5 working days to reach TransferWise.

Some banks will let your sender set up a SWIFT transfer online or through the phone, but they may need to go physically into the branch. When setting up the SWIFT transfer, they should choose checking as the account type.

What information should my sender use?

Provide your sender your:

• account number
• SWIFT/BIC code
• wire transfer number — their bank may or may not need this
• the local address on your details: TransferWise, 19 W 24th Street, New York, 10010

If your sender doesn’t provide the address in their SWIFT transfer, we’ll have to reject the payment. It can take 3–10 working days, sometimes longer, to get the money back to them.

What countries can I receive USD from?

You can only receive USD from these countries outside the US: 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, Ireland, 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.

If your sender is sending USD to you from a country not in the above list, we’ll have to reject the payment back to them. This can take 3–10 working days, sometimes longer, to get the money back to them.