Sending money to the United States? Whether you’re supporting family, paying for services, or transferring business funds, getting a great exchange rate and avoiding hidden fees can make a big difference.
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At BestExchangeRates.com, we help you compare the best international money transfer providers so you can send USD to the U.S. confidently and cost-effectively.
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| Provider | Rate | Fees | Speed | You Send | Recipient Gets |
|---|---|---|---|---|---|
| Wise | 1 USD = 1.00 USD | Low, transparent | Same day to 1 day | €1,000 | ~$1,080 |
| OFX | 1 USD = 1.01 USD | Fee-free over limits | 1–2 days | €1,000 | ~$1,090 |
| Western Union | 1 USD = 0.98 USD | High | Minutes (cash) | €1,000 | ~$1,030 |
Note: Rates are examples and may change. Always compare live rates before sending.
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• Real exchange rate (mid-market)
• Low, upfront fees
• Bank-to-bank transfers
• Best for personal or small business transfers
• Great for larger transfers (fee-free over ~$10,000)
• 24/7 phone support
• Lock in rates for future transfers
• Business account options available
• Cash pickup and mobile money in minutes
• Low transfer amounts supported
• More options than traditional banks
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Banks and traditional remittance companies often build hidden margins into the exchange rate — sometimes costing you up to 5% more.
Using an online money transfer service can help you:
• Lock in better USD exchange rates
• Track transfers in real-time
• Save up to 90% on fees
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Here’s an additional section you can include in your “Send Money to the USA” guide, focusing on the particulars of U.S. banking. This section helps international senders understand the systems, expectations, and potential delays when transferring money to U.S. recipients.
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The U.S. banking system is unique in a few key ways, and understanding these can help ensure your transfer goes smoothly:
• Domestic transfers (within the U.S.) use routing numbers (also called ABA numbers) — a 9-digit code identifying the recipient’s bank.
• For international transfers, you’ll need the recipient’s SWIFT/BIC code, which identifies their bank globally.
📝 Some U.S. banks use intermediary banks for international wires. Your provider might ask for this information.
• Unlike some regions (e.g., Europe’s SEPA system), the U.S. does not guarantee same-day clearing for inbound wires.
• International transfers to the U.S. can take 1–3 business days depending on the provider, U.S. bank, and time zones.
• U.S. banks often charge fees to receive international wires — typically $15–$25 per transaction.
• It’s worth checking with the recipient’s bank, especially for large transfers.
• U.S. banks may hold funds or reject wires if the recipient name doesn’t exactly match the account holder.
• Ensure the spelling and format are accurate when entering recipient details.
• U.S. bank accounts typically use:
• Routing Number (9 digits)
• Account Number (usually 10–12 digits)
These details are found on a check or through online banking — confirm with the recipient before initiating a transfer.
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To transfer money to the U.S., you’ll usually need:
• The recipient’s full name and bank account details (IBAN/SWIFT not needed for domestic U.S. banks)
• A debit card, bank account, or balance to fund your transfer
• Your ID if sending a large amount or using a regulated provider
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• Supporting family and friends
• Paying for education or medical expenses
• Funding U.S. property purchases
• Paying freelancers or suppliers
• Sending money for emergency aid
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Set a rate alert to watch for better USD rates before sending your money.
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• Compare fees + exchange rate margin – both affect what the recipient gets
• Watch for minimum transfer amounts – some services (like OFX) require ~$250 or more
• Consider urgency – Wise and Revolut are faster for bank transfers; Western Union is best for urgent cash
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Sending money to the U.S. doesn’t have to be expensive. By comparing your options with BestExchangeRates.com, you can save significantly and ensure your funds arrive quickly and securely.
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