Instant money transfers

Sending money anywhere in the world should be as quick and painless as sending an email. But the old banks’ systems weren’t built for sending money abroad — so we’re building a new one.

The more you send, the more you save

Many banks add 3% or more in hidden fees to the exchange rate — and it quickly adds up on large transfers. Worst of all, this fee is hard to spot unless you know to look.

With TransferWise, the price you see is the price you pay. No hidden fees. We lower our percentage fee on large transfers too — so the more you send, the more you save.

Over 9 million customers
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Safeguarded at leading banks.

We keep your money with leading financial institutions like JP Morgan Chase, Deutsche Bank, and Barclays.

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Extra secure transactions.

We use two factor authentication to protect your account. That means only you can get to your money.

How long will a money transfer take?

Sending money from	Sending money to	Transfer method	Should arrive by
USD	ZAR	Direct Debit	by January 25th
USD	EUR	Direct Debit	by January 22nd
USD	ARS	Direct Debit	by January 22nd
USD	AUD	Direct Debit	by January 22nd
USD	BDT	Direct Debit	by January 24th
USD	BRL	Direct Debit	by January 22nd
USD	BGN	Direct Debit	by January 22nd
USD	CAD	Direct Debit	by January 22nd
USD	CLP	Direct Debit	by January 25th
USD	CNY	Direct Debit	in 7 hours
USD	COP	Direct Debit	in 4 hours
USD	CRC	Direct Debit	by January 25th
USD	HRK	Direct Debit	by January 22nd
USD	CZK	Direct Debit	by January 25th
USD	DKK	Direct Debit	by January 22nd
USD	AED	Direct Debit	by January 25th
USD	EGP	Direct Debit	by January 25th
USD	GBP	Direct Debit	in 4 hours
USD	GEL	Direct Debit	by January 22nd
USD	GHS	Direct Debit	by January 22nd
USD	HKD	Direct Debit	in 4 hours
USD	HUF	Direct Debit	in 4 hours
USD	INR	Direct Debit	in 4 hours
USD	IDR	Direct Debit	by January 22nd
USD	ILS	Direct Debit	by January 25th
USD	JPY	Direct Debit	by January 22nd
USD	KES	Direct Debit	in 4 hours
USD	CHF	Direct Debit	by January 22nd
USD	MYR	Direct Debit	in 4 hours
USD	MXN	Direct Debit	by January 25th
USD	MAD	Direct Debit	by January 27th
USD	NPR	Direct Debit	by January 22nd
USD	NZD	Direct Debit	by January 22nd
USD	NOK	Direct Debit	by January 22nd
USD	PKR	Direct Debit	in 4 hours
USD	PEN	Direct Debit	by January 26th
USD	PHP	Direct Debit	by January 22nd
USD	PLN	Direct Debit	by January 22nd
USD	RON	Direct Debit	by January 22nd
USD	RUB	Direct Debit	by January 25th
USD	SGD	Direct Debit	in 4 hours
USD	KRW	Direct Debit	in 4 hours
USD	LKR	Direct Debit	in 4 hours
USD	SEK	Direct Debit	by January 25th
USD	TZS	Direct Debit	by January 22nd
USD	THB	Direct Debit	by January 22nd
USD	TRY	Direct Debit	by January 22nd
USD	UGX	Direct Debit	by January 25th
USD	UAH	Direct Debit	by January 22nd
USD	UYU	Direct Debit	by January 27th
USD	VND	Direct Debit	in 4 hours

How to send money abroad instantly?

Use our calculator to get an estimate for your transfer.

If your estimation says "should arrive in seconds" — your transfer will be instant.

Choose the fastest payment option.

For many currency routes, paying using credit cards, Apple Pay or your balance are faster than bank transfer or SWIFT.

Complete the transfer.

Double check the recipient details, payment details then confirm and pay for your transfer. We’ll take care of the rest.

Create free account now

How fast is instant?

A payment is instant when it arrives within 20 seconds. And sometimes they’re even quicker. So, your payments could arrive before you can say ‘hidden bank fees’.

Right now, 21% of our transfers are instant. But our mission is to build instant transfers for everyone, everywhere. So if your chosen currency route isn’t instant yet, make sure to check the speed of your transfer in our calculator.

We have a 4.7 out of 5 rating on Trustpilot

It's your money. You can trust us to get it where it needs to be, but don't take our word for it. Read our reviews at Trustpilot.com

Excellent service. Speed of transfer superb

Alan Pearce

Published 35 minutes ago

Very good no problems everything always goes smooth

John Glencross

Published 44 minutes ago

You can count on it.

Marie Hamerlinck

Published 47 minutes ago

Reviews from:

Fast money transfers are easy

TransferWise makes transferring money fast, and sometimes — instant. We believe that:

You should always know how long your transfer’s going to take. So when you set up a transfer, you'll get an estimate for when your money should arrive.
You should always know where your money is. So keep track of your money by using our in-app Money tracker.
All transfers should be instant — we’re on a mission to bring you just that.

Save money and time on international money transfers

Join over 9 million users enjoying fast, low-cost, and secure online money transfers.

Send money now

FAQs

What affects the speed of my transfer?

Currency routes — sometimes it’s quicker to send from one particular currency to another. Payment method — compare methods and choose the one that gets your money to its destination fastest. Extra checks — some routes and larger transfers might need to double checked just to be sure

How can I check the status of my transfer?

You can always check the status of the transfer from your Activity feed. Log in to TransferWise. Click on Activity. Find the transfer, and click View transfer details

Why might a transfer take longer than estimated?

Transfers can take longer when: You used a slower payment method (eg. bank transfer) - while it costs you less, banks can take 1-2 business days to send us the funds. You sent the money just before weekends and bank holidays - unfortunately banking hours are beyond our control, and can slow down the transfer.

How can I send money faster?

If you want to send money faster; Review and confirm the recipient details are correct. Choose a faster payment method (eg. card payment). Make sure your account is verified. Please note, if you set up payments close to the weekend, money may not reach the recipient until the next working day.