Who can I send US dollar (USD) to?

You can send US dollar (USD) to any bank account in the US that accepts ACH payments or wire payments. You can also send US dollar (USD) to bank accounts outside the US using the Swift payment network. These payments can take up to 6 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 to the USA?

How much you can send depends on how you choose to send money to your recipient (ACH, wire, or Swift). 1,000,000 US dollar (USD) per local ACH transfer 6,000,000 US dollar (USD) per local wire transfer when paying using US dollar (USD) in your account 1,600,000 US dollar (USD) per international Swift transfer If your address is in Australia, Japan or the United States, there’s a daily cumulative limit of 5 million GBP, or equivalent in another currency, for sending Swift transfers.

How long does a money transfer to the USA take?

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 US dollar (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 US dollar (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 US dollar (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.

Send money to the USA

Name: Wise
Rating: 4.8 (1030000 reviews)

Save on your online money transfer to the USA from the UK. Transfer British pound to United States dollar quickly, safely and join over 14.8 million people using Wise.

Send money from the US to the UK instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

Arrives

by Wednesday

Total fees

Included in GBP amount

You could save up to 49.32 GBP

Send money to the USA

Save on your online money transfer to the USA from the UK. Transfer British pound to United States dollar quickly, safely and join over 14.8 million people using Wise.

Send money from the US to the UK instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

Arrives

by Wednesday

Total fees

Included in GBP amount

You could save up to 49.32 GBP

Compare fees for when you send money to the USA

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Get started

Sending 1,000 GBP with	Recipient gets(Total after fees)
	1,343.55 USD
Transfer fee 4.67 GBP Exchange rate(1 GBP USD) 1.3499 Exchange rate markup 0 GBP Cost of transfer 4.67 GBP

	1,290.24 USD- 53.31 USD
Transfer fee 9.50 GBP Exchange rate(1 GBP USD) 1.3026 Exchange rate markup 35.00 GBP Cost of transfer 44.50 GBP

	1,289.94 USD- 53.61 USD
Transfer fee 2.99 GBP Exchange rate(1 GBP USD) 1.2938 Exchange rate markup 41.52 GBP Cost of transfer 44.51 GBP

	1,278.20 USD- 65.35 USD
Transfer fee 25 GBP Exchange rate(1 GBP USD) 1.3110 Exchange rate markup 28.80 GBP Cost of transfer 53.80 GBP

This applies when you pay in via bank transfer or ACH payments. How do we collect this data?

Amount

From

	Wise	Lloyds	PayPal	Santander UK
Recipient gets (Total after fees)	1,343.55 USD	1,290.24 USD	1,289.94 USD	1,278.20 USD
Exchange rate (1 GBPUSD)	1.34985	1.30261	1.29381	1.31097
Exchange rate markup	0 GBP	35.00 GBP	41.52 GBP	28.80 GBP
Transfer fee	4.67 GBP	9.50 GBP	2.99 GBP	25 GBP
Total transfer cost	4.67 GBP	44.50 GBP	44.51 GBP	53.80 GBP

Show more providers

This applies when you pay in via bank transfer or ACH payments. How do we collect this data?

We’re FCA authorised. View our listing on the FCA register
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to the USA from the UK

Enter amount to send in GBP.

Pay in GBP with your debit card or credit card, or send the money from your online banking.

Choose recipient in the US.

Select who you want to send money to and which pay-out method to use.

Send GBP, receive USD.

The recipient gets money in USD directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 20,000 GBP or equivalent — fees from 0.1%. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to the USA

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to the USA with WISE

The best way to send British pound to United States dollar is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
PISP
PISP
PISP (Payment Initiation Service Provider) payments are instructions you give Wise to make a bank transfer directly from your bank account — without having to leave our app and log in to your online banking. This option is as cheap as a manual bank transfer, but it isn’t supported by all banks yet.
Bank Transfer
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Debit Card
Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Credit card
Credit card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
Swift
Swift
Using Swift to fund your transfer usually means that your transfer will take longer and be more expensive, as your bank will charge a fee. You should also bear in mind that other correspondent banks in between may also deduct their handling fees. Your bank should be able to advise on those fees.
Apple Pay
Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Google Pay
Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.

Cheapest way to send money to the USA from the UK

The cheapest way to send 1,000 GBP to the USA is by using money that's in your Wise account and costs 4.42 GBP. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

GBP

USD

Sending 1,000 GBP	Transfer cost
Wise account	4.42 GBP

PISP	4.67 GBP

Bank transfer	4.67 GBP

Debit card	36.21 GBP

Credit card	26.87 GBP

Swift	4.67 GBP

Apple Pay	26.87 GBP

Google Pay	26.87 GBP

Fastest way to send money to the USA from the UK

Sending money with Wise is super fast: 74% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

GBP

USD

Sending 1,000 GBP	Should arrive
Wise account	by Wednesday

PISP	by Wednesday

Bank transfer	by Wednesday

Debit card	by Wednesday

Credit card	by Wednesday

Swift	by Thursday

Apple Pay	by Wednesday

Google Pay	by Wednesday