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.

Safeguarded at leading banks.

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



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
USD EUR Direct Debit
USD ARS Direct Debit
USD AUD Direct Debit
USD BDT Direct Debit
USD BRL Direct Debit
USD BGN Direct Debit
USD CAD Direct Debit
USD CLP Direct Debit
USD CNY Direct Debit
USD COP Direct Debit
USD CRC Direct Debit
USD HRK Direct Debit
USD CZK Direct Debit
USD DKK Direct Debit
USD AED Direct Debit
USD EGP Direct Debit
USD GBP Direct Debit
USD GEL Direct Debit
USD GHS Direct Debit
USD HKD Direct Debit
USD HUF Direct Debit
USD INR Direct Debit
USD IDR Direct Debit
USD ILS Direct Debit
USD JPY Direct Debit
USD KES Direct Debit
USD CHF Direct Debit
USD MYR Direct Debit
USD MXN Direct Debit
USD MAD Direct Debit
USD NPR Direct Debit
USD NZD Direct Debit
USD NGN Direct Debit
USD NOK Direct Debit
USD PKR Direct Debit
USD PEN Direct Debit
USD PHP Direct Debit
USD PLN Direct Debit
USD RON Direct Debit
USD RUB Direct Debit
USD SGD Direct Debit
USD KRW Direct Debit
USD LKR Direct Debit
USD SEK Direct Debit
USD TZS Direct Debit
USD THB Direct Debit
USD TRY Direct Debit
USD UGX Direct Debit
USD UAH Direct Debit
USD UYU Direct Debit
USD VND Direct Debit

How to send money abroad instantly?

Use our calculator to get an estimate for your transfer.

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.

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.

Complete the transfer.

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

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 4.6 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

Very quick and easy to use, never any problems
Raymond Shugar
Published 1 hour ago

Excelent Service
Williams Mena Rondón
Published 1 hour ago

I really like using TransferWise’s reliable, low-cost service to quickly transfer money between countries, as a US expat. I can count on TransferWise ...
Elizabeth Hope Magill
Published 2 hours ago
Reviews from:

Fast money transfers are easy

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

  1. 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.
  2. You should always know where your money is. So keep track of your money by using our in-app Money tracker.
  3. 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 8 million users enjoying fast, low-cost, and secure online money transfers.

Send money now


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
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
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.
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.