Here you’ll find answers to the most common questions about US dollar (USD) transfers.
Sending to USD
Who can I send USD to?
You can send USD to any bank account in the US that accepts ACH payments or wire payments.
You can also send USD to bank accounts outside the US using the Swift payment network. These payments can take up to 5 working days to arrive and may be more expensive than transfers inside the US.
What information do I need about my recipient?
You’ll need their full name, full address (we don’t accept PO boxes), bank account number, ACH or wire routing number (or ABA), and account type.
If you’re sending to an individual, please include their first and last names and use only Latin characters (a-z). There’s an 18-character limit on recipient names.
Account numbers are between 4–17 digits long.
Routing numbers are 9 digits long. Find your recipient’s routing number
How much can I send?
How much you can send depends on how you choose to send money to your recipient (ACH, wire, or Swift).
1,000,000 USD per local ACH transfer
6,000,000 USD per local wire transfer when paying from your USD balance
1,600,000 USD per international Swift transfer
How long does it usually take for the money to arrive?
Once we receive and convert your money, we’ll send it out to your recipient. The delivery times will vary depending on the payout method used to send funds to your recipient.
If you sent USD to someone in the US:
ACH payments usually take 0-3 working days to arrive in their bank account.
Wire payments* arrive on the same day or possibly on the following working day.
*Your recipient may be charged an additional fee by their bank for incoming wire transfers.
If you sent USD to someone outside the US:
Swift/ International Wire usually takes 1–6 working days to arrive.
We’ll always give you an estimate for how long your transfer will take when you set it up.
Learn more about how long transfers take
Is there any other information I need to know?
You can’t send USD to a recipient's brokerage account or an intermediary bank. We also don't support For Further Credit (FFC) payments.
Keep in mind some banks use different routing numbers based on the transaction type (i.e. Wire or ACH). If obtaining your recipient's account details from a check, it may not have the correct routing number that corresponds to the transfer type being used.
Sending from USD
How can I pay for my transfer from USD?
Here's the different ways you can pay with USD and how long it usually takes for us to receive your payment:
bank debit (ACH) – 0-4 working days
ACH bank transfer – 0-3 working days
wire transfer – same day or next day
debit/credit card – 0-30 minutes
Swift – 1-6 working days
Wise account balance – instant
It can take up to 6 working days depending on how you pay for your transfer. Then, we convert it and send it out. Conversion can take up to 2 working days.
Check the guide for the currency you’re sending to for an estimate on how long it will take to arrive in your recipient’s account after we send it out.
Are there any restrictions for sending money from USD?
You can’t pay for your transfer with bill payments, cash, or checks.
If your account address is in Nevada, American Samoa, or Mariana Islands, you can’t send money using a debit or credit card.
If your account address is located in the US, you can’t pay for your USD transfer via Swift.
Checks aren't issued for USD Wise accounts, therefore you can't withdraw funds via check.
What information do I need about my recipient?
You’ll need your recipient’s full address for any transfer from USD. This is so we can make sure your money gets to the right person.
How much can I send?
If your account address is in one of our licensed states, Guam, or the Virgin Islands, or in a country outside of the US:
| Personal account limits (USD) | Business account limits (USD) | |
|---|---|---|
| Per transfer | $1,000,000 | $1,000,000 |
| ACH (bank debit) | $50,000 per 24 hours | $50,000 per 24 hours |
| $250,000 over a 60 day period | $400,000 per 60 day period | |
| Debit/credit card | $2,000 per 24 hours | $2,000 per 24 hours |
| $8,000 per 7 day period | $8,000 per 7 day period |
If your account address is in Nevada, American Samoa, or Mariana Islands:
| Personal account limits (USD) | ||
|---|---|---|
| Per transfer | $50,000 per 24 hours | |
| Yearly rolling limit | $250,000 per 12 months | |
| ACH (bank debit) | $10,000 per 24 hour period | |
| $400,000 over a 60 day period |
I’ve cancelled my payment, how long will my refund take?
We’ll let you know when we’ve refunded your money. The time it takes for you to get your refund depends on how you paid,
Card payments take 2–10 working days
ACH debits take 0–3 working days
Local wire transfers take 1-3 working days
Swift transfers take 5–10 working days
If you paid using ACH debit, we’ll have to wait to receive your money before we can refund it back to you.
If you paid by wire transfer or Swift transfer, we might need more information before sending your refund. We’ll send you an email if we do.
Make sure to wait until the above time frame has passed before getting in touch about a refund — we’re not able to speed up the process.
Stopping Transfers
Right to stop a payment and procedure of doing so
You can easily cancel any transfers you’ve not paid for yet, by clicking Cancel transfer.
Learn more about cancelling transfers
If you have told us in advance to make regular payments out of your account, you can stop any of these payments. You can also remove your connected bank account, if you’ve previously linked it with Wise.
Learn how to cancel a scheduled transfer
And if you’ve set up a Direct Debit from your Wise account, you can cancel it by clicking on Payments, then Direct Debits.
Learn more about cancelling Direct Debits
You can also call us at 1-844-926-4389 or email us through our Help Centre. Make sure you contact us at least 3 business days before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Liability for failure to stop payment of preauthorized transfer
If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for returning your funds.
Wise's Liability
If we don't complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we'll be liable for your losses or damages. However, there are some exceptions. We'll not be liable, for instance:
If, through no fault of ours, you do not have enough money in your account to make the transfer.
If the transfer would go over the credit limit on your overdraft line.
If the automated teller machine where you are making the transfer does not have enough cash.
If the system was not working properly and you knew about the breakdown when you started the transfer.
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
There may be other exceptions stated in our agreement with you.