Receiving an international wire

As of February 28th, 2025, changes were made to how Relay receives international wires. For more information please view Important Update: Changes to receiving international wires on Relay

With your Relay account, you can receive international wire transfers using the Swift or Local network. These are processed by our wire partner, The Currency Cloud Limited, and Community Federal Savings Bank, before being deposited into your Relay account.

There are four different wire details for receiving international wires sent in USD, EUR, GBP or CAD.

• Receiving an international wire in United States Dollars (USD) through the Swift Network
• Receiving an international wire in Euro (EUR) through the Local Network
• Receiving an international wire in British Pound Sterling (GBP) through the Local Network
• Receiving an international wire in Canadian Dollars (CAD) through the Local Network

This article guides you through locating your international wire details (i.e., the Swift code and IBAN for your account, etc.). 

Note: Please ensure that the country from which you are receiving a wire is on our list of eligible countries.

Choosing your receiving international wire account

If you're receiving your first international wire transfer, follow these instructions to select the designated receiving account. Please note that this can only be done on a desktop, as this feature is not currently supported on the Relay mobile app.

1. Sign in to your Relay account on your desktop.
2. Navigate to the Accounts tab.
3. Select Manage accounts from the dropdown menu.
4. Click Receiving International Wire Account.
5. Select the checking account you would like your international wires to be deposited into from the dropdown menu. There can only be one designated international wire deposit account at this time.
6. Click Save.

You can always change this later in your Settings.

How to receive an international wire

Please note that account information will be different for wires sent in USD, EUR, GBP or CAD.

To find your account information on your desktop:

1. Once you have saved your preferred deposit account following the steps listed above, please head back to the Accounts tab.
2. Click on the checking account you have selected as your deposit account.
3. Click Details.
4. Click International Wires under Receive Money.
5. Choose USD, EUR, GBP or CAD, depending on the currency of the incoming international wire payment. Once selected, you will see all of the necessary details you need to receive international wires into your Relay account.

Please note: if an international wire payment in a non-USD currency is sent to your USD account, the funds will be returned to the sender. The timeline of return is dependent on that of the sending bank.

Limits, processing timeline, and fees

All accounts have limits on how much you send by international wire per day and month. For more information on how to view your account limits, please see Viewing your account limits.

For an understanding of incoming/outgoing international wire timelines, please see Transaction settlement and processing timelines for more information.

Relay does not charge a fee to receive international wires.

Tracking international wires

International wires sent in USD using the Swift network can be tracked with an MT103 document. The sender will be able to request this from their bank.

International wires sent in EUR, GBP or CAD using the Local network can not be tracked with an MT103 document. The sender will have to reach out to their bank to confirm the status of the transfer and ensure that it was sent to your details correctly.

Currency conversion and exchange fees

Please note that these funds will automatically convert to USD as Relay accounts can only hold funds in USD. Non-USD funds are converted at a rate as low as 1% + market rate.