Send money with ACH

Send money with ACH from our website or mobile app, in just a few clicks. Join over 14.8 million people who choose Wise for fast and secure money transfers.

Availability of the payment type depends on the currency or the region.

Read more

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (89h)

You send exactly

Recipient gets

Paying with

PayNow

PayNow fee
0 SGD
Our fee
131.47 SGD

Volume discount

-19.97 SGD

Total included fees (0.22%)
111.50 SGD

Should arrive by Monday

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

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Send money with ACH

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (89h)

You send exactly

Recipient gets

Paying with

PayNow

PayNow fee
0 SGD
Our fee
131.47 SGD

Volume discount

-19.97 SGD

Total included fees (0.22%)
111.50 SGD

Should arrive by Monday

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

How to send money with ACH in 3 easy steps

Enter amount to send in SGD.

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

Choose recipient .

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

Send SGD, receive USD.

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

Create free account now

What is ACH money transfer?

Making an ACH money transfer is often one of the cheapest ways to make a Wise international payment. You may need to also pay an ACH transfer fee to your bank - but while banks all set their own fees for outgoing ACH transfers, these are usually low, or even free.

You can make a Wise ACH money transfer of up to 50,000 USD in 24 hours. There’s also a limit of 250,000 USD every 60 days if you have a personal account, or 400,000 USD if you have a Wise Business account.

When you set up a Wise money transfer and pay by ACH, the exchange rate is guaranteed as soon as you authorize payment to Wise. That means there are no surprises if the rates change while your ACH is winging its way to Wise - you’ll know exactly how much your transfer will cost you, and what rate you’re getting, straight away.

Learn more about using ACH transfers.

Online money transfer fees

How much does it cost to send money with ACH?

To send money with ACH with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.

Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Calculate how much you can save

Cheapest way to send money abroad

The cheapest way to send 50,000 SGD to USD is by using money that's in your Wise account and costs 111.23 SGD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

SGD

USD

Sending 50,000 SGD	Transfer cost
Wise account	111.23 SGD

Bank transfer	111.50 SGD

Fastest way to send money abroad

A money transfer with ACH (SGD-USD) should arrive by Monday. Sometimes transfer times can differ based on currencies or verification changes. We’ll always keep you updated, and you can track each step in your account.

SGD

USD

Sending 50,000 SGD	Should arrive
Wise account	by Monday

Bank transfer	by Monday

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Account details
Hold and convert money

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.

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.

Send money with ACH

Send money with ACH

How to send money with ACH in 3 easy steps

Enter amount to send in SGD.

Choose recipient .

Send SGD, receive USD.

What is ACH money transfer?

Online money transfer fees

How much does it cost to send money with ACH?

Cheapest way to send money abroad

Fastest way to send money abroad

See where Wise works

How we keep your money safe

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