Send money to the USA from the UK
- 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
Savings on this transfer, and eligible transfers for the rest of the month.
Send money to the USA from the UK
- 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
Savings on this transfer, and eligible transfers for the rest of the month.
Save when you send money to the USA from the UK
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.
 Wise |  Barclays |  Lloyds |  Halifax | |
|---|---|---|---|---|
Recipient gets (Total after fees) | 33,622.46 USD | 33,422.27 USD | 32,764.40 USD | 32,657.27 USD |
Exchange rate (1 GBPUSD) | 1.34945 | 1.33689 | 1.31107 | 1.30679 |
Exchange rate markup | 0 GBP | 232.68 GBP | 710.95 GBP | 790.37 GBP |
Transfer fee | 84.32 GBP | 0 GBP | 9.50 GBP | 9.50 GBP |
Total transfer cost | 84.32 GBP | 232.68 GBP | 720.45 GBP | 799.87 GBP |
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.
Larger transfers. Lower fees. Premium support.
Pay less when you send over 25,000 USD or equivalent — fees from 0.1%. Plus get dedicated support from our expert team
How we keep your money safe
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.
- Rock-solid technologySuper smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
- People who care, 24/7With 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 oursYour 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 from the UK 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.
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 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.
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.
How to receive money in the US from the UK
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account. And since our price is transparent, you know exactly what you’ll get on the other side.
Local bank account
Local bank account
For local bank account transfers you’ll need to have the recipient’s account details to ensure a smooth transfer. Learn more about bank transfers.
Cheapest way to send money to the USA from the UK
The cheapest way to send 25,000 GBP to the USA is by using money that's in your Wise account and costs 84.09 GBP. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
GBP
USD
| Sending 25,000 GBP | Transfer cost | ||
|---|---|---|---|
| PISP | 84.32 GBP | ||
| Bank transfer | 84.32 GBP | ||
| Swift | 84.32 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 25,000 GBP | Should arrive | ||
|---|---|---|---|
| PISP | by Wednesday | ||
| Bank transfer | by Wednesday | ||
| Swift | by Thursday | ||
Send money to the USA from the UK with the Wise app
Looking for an app to send money to the USA from the UK? Sending money is easy with Wise app.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Send money to the USA from the UK with the Wise app
Looking for an app to send money to the USA from the UK? Sending money is easy with Wise app.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
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Do more with Wise in the US
You can use Wise for much more than just sending money. Here is what's available, based on where you live.
Receive money fast
Get paid easily in other currencies with global account details.
Save on spending abroad
Pay and withdraw cash worldwide without any foreign transaction fees.
Frequently asked questions
See where Wise works
- Send money
- Account details
- Hold and convert money
- The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account "swept" into a Federal Deposit Insurance Corporation ("FDIC") insured account at one or more participating banks (each, a "Program Bank") that will hold the deposit funds. For a complete list of Program Banks, please see Appendix 1 of the Program Agreement. Availability of FDIC deposit insurance for the deposit funds is subject to certain conditions. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.
For customers opted in to receive interest on EUR and GBP, the FDIC passthrough insurance provided by our program bank is for up to the equivalent of 250,000 in total for your USD, EUR and GBP combined balance amounts (collectively, the "Eligible Balances"). - Annual Percentage Yield (APY) - rates shown are true as of 12/18/2025. See Program Agreement for details.