How do I choose between transfer methods for international transfers?

Currency

Information required

Delay

Additional information

AED

• Beneficiary’s full name: up to 35 characters
• Account number: IBAN 23 digits, starting with AE
• Reference up to 35 characters

up to 1 working day

AUD

• Beneficiary’s full name: up to 35 characters
• BSB code: 6 digits
• Account number: minimum 5 and maximum 9 digits
• Recipient’s full address (PO boxes are not accepted)
• Reference up to 18 characters

up to 2 working days

There are no name checks, it is then extremely important to input the account number correctly.
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If the incorrect account number belongs to an existing account, it will be credited to there.
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CAD

Local bank (local EFT):
• Beneficiary’s full name
• 3-digit institution number
• 5-digit transit number
• 7-12 digit local account number
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If your recipient doesn’t know this information, here’s
​how to find their institution and transit number.
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​Interac E-Payment:
• Beneficiary’s
full name
• E-mail address (must be registered with the bank and
Interac)
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Wise emails
you with the 6 digit PIN, which they need to enter through the link they receive from Interac in a separate email.
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⚠️ If you do not claim the funds in 3 days or enter an incorrect PIN 3 times, the funds will be returned to Wise.

up to 1 working day

CHF

• Beneficiary’s full name
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• IBAN: starting with CH or LI (so local accounts in Switzerland and Liechtenstein)
• Reference up to 50 characters

up to 1 working day

Payments to CHF are subject to Swiss banks' compliance checks, which can delay the crediting to the recipient.

CLP

• Beneficiary’s full name: up to 35 characters
• Account number: maximum 20 digits
• Bank name (from drop-down list)
• Recipient's RUT number (7-8 digits and a check digit) count type: checking/savings/demand
• Recipient's phone number

1 working day

CRC

• Beneficiary’s full name
• Recipient’s IBAN: 22 characters long (letters and
numbers) and begins with CR
• Business registration number (CJU Cedula): 10 digits and must start with 3 (company registration numbers that start with 4 are no longer valid according to our partner)
• Reference up to 35 characters

up to 1 working day

● Recipient's full name
●SWIFT/BIC code
● IBAN/account number
● Recipient's address (for countries that do not use postal codes, customers can enter "99999")
● The reason for the transfer is required

Up to 5 working days

GBP

• Beneficiary’s name or business name Account details
• Sort code 6 digits
• Account number 8 digits
• IBAN : up to 34 characters, starting with GB
• Reference up to 18 characters

instant

We currently cannot process payments to National Savings & Investments bank (NS&I) sort codes due to their terms and conditions.

HKD

• Beneficiary’s full name
• 9-12 digit local account number
• 3 digit bank code (clearing code)
• Recipient’s full address

45minutes on working days

It is not possible to send payments to 2 virtual banks for now, which are Tap&Go and O! Epay.

HUF

• Beneficiary’s full name
• IBAN: 28 characters containing a mix of letters and numbers, starting with HU
• or Hungarian local 24 characters
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⚠️ If the recipient’s account is 16 digits, Wise will automatically adds 8 zeros at the end of the account number.

up to 1 working day

IDR

Local bank (Inter bank transfer):
​• Beneficiary’s full name
• Bank name
• Account number
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​e-Wallet:
​• Beneficiary’s full name
• E-Wallet provider
• E-Wallet number

up to 1 working day

ILS

• Full name of the account holder: up to 35 characters
• IBAN: 23 digits, structure is as described below
ILkkBBBNNNCCCCCCCCCCCCC
IL = Country code
k = Check Digit
B = Bank identification
N = Branch identification
C= Account number (13 digits padded with zeros)
• Beneficiary address
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⚠️ City, country and post code must be in Latin and not Hebrew.

up to 1 working day

Check that the recipient’s name you indicate is identical to the one on their bank account as, although there are no exact name matching rules, beneficiary banks can carry out manual reviews prior or after the settlement. This could result in the reversal of funds.
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INR

Local bank (Bank transfer):
• Beneficiary’s full name
• Account number: minimum 5 digits and maximum 20 digits
• IFSC: 11 characters (both letters and numbers), usually starts
with 4 letters
• Reference up to 16 characters
• Transfer purpose is required
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​UPI:
​• Beneficiary’s full name
• UPI ID
• Transfer purpose is required

Bank transfer: up to 1h30 on working days
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​UPI: instant

It is not possible to send funds:
- to charities and trusts
- for investment purposes.
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We do not provide a FIRC certificate.
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JPY

• Beneficiary’s full name, usually in Katakana
• Account number: 7 digits
• Account type: 普通: Futsuu - current; general; ordinary; usual / 貯蓄: Chochiku - savings / 当座: Touza - checking
• Bank name or branch: in English, Katakana, Kanji, or provide a bank or branch code
• Transfer purpose is required
• Reference: up to 20 characters

from 5 to 20 minutes depending on the recipient’s bank

KES

• Beneficiary’s full name
• Account number: minimum 8 digits and maximum 20 digits
• Reference up to 20 characters
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instant

It is not possible to send funds to business recipient’s mobile wallets.

⚠️ The following beneficiary banks are not supported:
Bank of India, Bank of Baroda, Habib Bank, M-Oriental Bank, Habib Bank A.G. Zurich, Consolidated Bank of Kenya, Transnational Bank, SMB Bank (Kenya) Limited, Imperial Bank Limited, Giro Commercial Bank, Ecobank Kenya, SPIRE BANK LTD, Development Bank of Kenya, UBA Kenya Bank

KRW

• Beneficiary’s full name: up to 256 characters
• Bank name
• Account number: minimum 11 and maximum 16 digits
• Reference: up to 35 characters

up to 15minutes

MAD

• Beneficiary’s full name: up to 35 characters
• Account number (RIB): 24 digits. Details:
bank code:3 digits
city/branch code: 3–8 digits
account number: 11–16 digits
RIB key: 2 digits
• Reference up to 50 characters

up to 2 working days

Some banks in Morocco charge receiving fees: Al Barid, Attijariwafa, BMCE, BMCI, Crédit du Maroc and Société Générale Maroc may charge a receiving fee of up to 20 MAD.
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MXN

• Beneficiary’s full name: up to 40 characters
• Account number (CLABE): 18 digits.
Details:
3 digits: Bank Code
3 digits: Branch Office Code
11 digits: Account Number
1 digit: Control Digit
• Reference up to 40 characters
​
You can check if the CLABE is valid using this
​validator.

instant

MYR

Local bank transfer:
​• Beneficiary’s full name: up to 50 characters
• Account number: minimum 7 digits and maximum 20 digits
• Bank name
• Reference: up to 35 characters
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​DuitNow:
​• Beneficiary’s full name: 50 characters
• Account type: Mobile numbers, Army/Police number, Business Registration number, NRIC
• DuitNow ID
• Reference: up to 35 characters

up to 1 working day

NOK

PLN

RON

SEK

SGD

Local bank (Account transfer):
• Beneficiary’s full name: up to 35 characters
• Account number: length varies by recipient bank
• Bank name
• Reference: up to 25 characters
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​Paynow:
​• Beneficiary’s full name: up to 35 characters
• Phone number starting with 65/+65
• Reference: up to 25 characters

up to 1 working day

For transfers inferior to 200k SGD, they will be treated as instant transfer. It will take up to 1 working day for transfers above this amount.

THB

• Beneficiary’s full name: up to 35 characters
• Account number: minimum 5 digits and maximum 16 digits
• Bank name
• Recipient’s full address
• Reference

from 15 minutes up to 20h on working days depending on the recipient’s bank

Due to regulations, you can only send 50,000 THB or more per transfer to the 3 following banks :
Bangkok Bank Public Company (BBL)
Kasikorn Bank (KBank)
Siam Commercial Bank (SCB)

TRY

• Beneficiary’s full name: 50 characters
• IBAN: 26 digits, starting with TR
• Reference: up to 35 characters

depends on the amount

Payments to Northern Cyprus should be instructed as regular TRY payments.

USD

USD is the exception where you can use the local payment method or the SWIFT network.
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ACH
​• Beneficiary’s full name: up to 18 characters
• Account number: minimum 4 and maximum 17 digits
• ACH routing number: 9 digits
• Recipient’s full address (PO boxes are not accepted)
• Reference: up to 10 characters
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The routing number should support ACH payments.
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​SWIFT
• Beneficiary’s full name
• SWIFT/BIC code
• IBAN/account number
• Recipient’s address (for countries that don’t use postal codes, you can enter 99999)
• Transfer purpose is required

ACH : 1-3 working days
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SWIFT : 1-5 working days
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We do not support For Further Credit (FFC payments).
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​ACH payments are for domestic accounts located in the US. We cannot send FFC payments where the final beneficiary account is based outside the U.S., or if the domestic recipient requires sub account details, such as with some brokerage firms.
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If you enter FFC details for your recipient, the transfer will either bounce back or
be stuck in the intermediary bank.
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UYU

• Beneficiary’s full name
• Account type: checking / savings
• Account number: maximum 20 digits
• Business ID number RUT/RUC: 12 digits
• Bank name
• Bank branch: required only when sending to Banco
Santander - needs to be selected from drop-down list
• Reference: up to 35 characters

up to 2 working days

ZAR

• Beneficiary’s full name: 35 characters
• Recipient’s email address
• Account number: minimum 7 digits and maximum 11 digits
• Bank name
• Recipient’s phone number
• Reference up to 18 characters

up to 2 working days
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⚠️ Every sender-recipient pair needs to fill in a mandate form once per calendar year when the payment is sent out.
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This is a requirement from the South African Reserve Bank.
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Our partner emails the recipient with the link to the form, and they will have 7 days to complete it. If they don’t, the payment will be returned to Wise.