Sending an international wire

With your Relay checking account¹, you can send international wire payments to a payee. In order to send an international wire, you must first add a payee for the individual or business you are looking to pay.

Please note: the ability to send international wires in non-USD currencies is not currently supported on the Relay mobile app at this time.

For instructions on how to receive an international wire into your Relay account, please see Receiving an international wire.

How to send an international wire (Web)

1. Sign in to your Relay account.
2. Navigate to the Payments tab.
3. Click New Payment at the top-right corner of your screen.
4. Select a recipient from the list of payees shown or add a new payee.
5. Select International Wire as the payment method.
6. Select the source account for the payment.
7. Enter the payment amount and currency².
8. Customize the payment with the desired frequency, payment date, and memo³.
9. Confirm all required fields have been filled out, then click Next.
10. Confirm the payment details, then click Initiate Payment.

How to send an international wire (Relay Mobile App)

1. Sign in to the Relay app on your mobile device.
2. Navigate to the Payments tab.
3. Tap Send payment.
4. Select a recipient from the list of payees shown or add a new payee.
5. Select International Wire as the payment method.
6. Select the source account for the payment.
7. Enter the payment amount.
8. Customize the payment with the desired memo³.
9. Confirm all required fields have been filled out, then click Confirm to initiate the payment.

Limits, processing timeline, and fees

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

Please note: International wires are sent out in 2-3 business days, on average; however they will usually arrive in the beneficiary's bank account in 5-7 business days. This timeline may vary depending on any intermediary institution(s) involved in the process. There is no cutoff time for international wire payments.

There is a $10 fee to send an international wire from Relay, although these fees are waived if you are a Relay Pro customer. The recipient may also incur additional fees from the receiving bank or its partners, if applicable.

¹ You can only send international wire payments from a Relay checking account. If you would like to move funds out of your savings account, you must first create an internal transfer in Relay between your savings and checking account.

² For more information on how Relay's currency conversion works, as well as the currencies that are available when sending international wires, please see Currencies available in Relay and Currencies available in Relay. Please note that sending payments in non-USD currencies is not currently supported on the Relay mobile app.

³ When writing your payment memo, please provide a detailed business reason for payment. Memos that lack detail could be returned if the receiving institution deems them not compliant with regulatory obligations. We recommend adding information regarding what type of service was provided and any other specific indicators, along with the invoice number (if available).