4.3/5 from 233,033 reviews
Fast, low-cost, and secure online money transfers from the UK to the USA.
Send money from the US to the UK instead.
Over 10 million customers
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FCA regulated
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Should arrive by Monday
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Save when you send money to the USA
The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.
At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.
How do we select providers and collect this data?
| Sending 1,000 GBP with | Recipient gets(Total after fees) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 1,306.33 USD | ||||||||||
Transfer fee 4.66 GBP Exchange rate(1 GBP USD) 1.31245 Exchange rate markup 0 GBP Cost of transfer 4.66 GBP | |||||||||||
 | 1,266.34 USD- 39.99 USD | ||||||||||
Transfer fee 0 GBP Exchange rate(1 GBP USD) 1.26634 Exchange rate markup 35.13 GBP Cost of transfer 35.13 GBP | |||||||||||
 | 1,254.92 USD- 51.41 USD | ||||||||||
Transfer fee 2.99 GBP Exchange rate(1 GBP USD) 1.25869 Exchange rate markup 40.96 GBP Cost of transfer 43.95 GBP | |||||||||||
 | 1,253.82 USD- 52.51 USD | ||||||||||
Transfer fee 9.50 GBP Exchange rate(1 GBP USD) 1.26585 Exchange rate markup 35.51 GBP Cost of transfer 45.01 GBP | |||||||||||
 | 1,253.77 USD- 52.56 USD | ||||||||||
Transfer fee 9.50 GBP Exchange rate(1 GBP USD) 1.26579 Exchange rate markup 35.55 GBP Cost of transfer 45.05 GBP | |||||||||||
Show more providers | |||||||||||
How to send money to the USA in 3 easy steps
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.
Get dedicated support for large transfers
Moving big money? Get our how to guide and start a chat with our team of large-amount experts.
Get started with large transfersHow to send money to the USA from the UK
How to send money to the USA from the UK
- Just tap in how much, and where to.
- Then make a local payment to Wise, whether it's with a bank transfer, Swift or your debit or credit card.
- And that's it.
Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.
How much does it cost to transfer money to the USA?
Pay a small, flat fee and percentage
To send money in GBP to the USA, you pay a small, flat fee of 1.08 GBP + 0.36% of the amount that's converted (you'll always see the total cost upfront).
Fee depends on your chosen transfer type
Some transfer types have different fees which are usually tiny.
No hidden fees
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
Fees for our low cost transfers
Fixed fee
1.08 GBP
Variable feeup to 20,000 GBP/month
0.36%
Variable feemore than 20,000 GBP/month
How long will a money transfer to the USA take?
A money transfer from the UK (GBP) to the USA (USD) should arrive by Monday. Sometimes transfer times can differ based on payment methods or verification changes. We’ll always keep you updated, and you can track each step in your account.
On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.
Your transfer route
GBP
USD
Should arrive
by Monday
What you’ll need for your online money transfer to the USA
1
Register for free.
Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
2
Choose an amount to send.
Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
3
Add recipient’s bank details.
Fill in the details of your recipient’s bank account.
4
Verify your identity.
For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.
5
Pay for your transfer.
Send your money with a bank transfer, or a debit or credit card.
6
That’s it.
We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.
Best ways to send money to the USA
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 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
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
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
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
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
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.
Trust Wise with safe & secure money transfers to the USA
Safeguarded with leading banks
We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.
Extra-secure transactions
We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.
Data protection
We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.
Dedicated anti-fraud team
We work round the clock to keep your account and money protected from even the most sophisticated fraud.
Online scams are on the rise. Learn how to stay safe.
Send money to the USA from the UK with the Wise app
Looking for an app to send money to the USA? Sending money is easy with Wise app.
- Cheaper transfers abroad - free from hidden fees and exchange rate markups.
- Check exchange rates - see on the app how exchange rates have changed over time.
- Repeat your previous transfers - save the details, and make your monthly payments easier.
Learn more about the Wise app
Wise works nearly everywhere
Send money
Andorra
Argentina
Australia
Austria
Bangladesh
Belgium
Botswana
Brazil
Bulgaria
Canada
Chile
China
Colombia
Costa Rica
Croatia
Cyprus
Czech Republic
Denmark
Egypt
Estonia
Fiji
Finland
France
Georgia
Germany
Ghana
Greece
Hong Kong
Hungary
India
Indonesia
Ireland
Israel
Italy
Japan
Kenya
Latvia
Liechtenstein
Lithuania
Luxembourg
Malaysia
Malta
Mexico
Monaco
Morocco
Nepal
Netherlands
New Zealand
Nigeria
Norway
Pakistan
Philippines
Poland
Portugal
Romania
San Marino
Singapore
Slovakia
Slovenia
South Africa
South Korea
Spain
Sri Lanka
Sweden
Switzerland
Tanzania
Thailand
Turkey
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
Uruguay
Vatican City
Vietnam
Zambia
See why customers choose Wise for their international money transfers
It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it.
Read our reviews at Trustpilot.com.
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