With Relay, you have two options for sending international wire transfers: via the Local Network or the Swift Network.
We are updating our pricing to more transparently reflect the cost of sending international wires via the Swift Network. We understand that pricing changes can be a concern, and we want to be upfront with you: the updated wire fees more accurately reflect the actual cost of processing these transactions.
| Cost per Wire |
Local Network New low-cost option available Jan 31, 2025 |
Swift Network New pricing effective March 1, 2025 |
| Relay | $5 | $25 (previously $10) |
| Relay Pro | $0 | $20 (previously $0) |
In the past, we absorbed the cost of sending an international wire to offer very competitive rates. However, the updated pricing structure ensures that we can provide the best possible service while also investing in the development of new, innovative tools that give you unparalleled cash flow control.
Even with this change, Relay remains one of the most competitive options for international payments. Traditional banks charge up to $40 per international wire transfer—plus additional interchange fees, intermediary bank fees, and recipient bank fees.
Our fees are simple, transparent and among the most cost-effective options out there– no matter which wire option you choose.
| Local Network | Swift Network | |
| How it works | Payments are sent using the local payment network in the region or country where your payee is located. | Payments are sent using the Swift network, a group of 11,000 financial institutions that have agreed to transfer money internationally. |
| Cost per Wire | $5 per international wire, or $0 for Relay Pro subscribers | $25 per international wire, or $20 for Relay Pro subscribers |
| Supported Currencies |
🇪🇺 Euro (EUR) 🇬🇧 British pound sterling (GBP) 🇨🇦 Canadian dollar (CAD) 🇦🇺 Australian dollar (AUD) |
Most currencies. See list here. |
| Currency Conversion Fee |
Local Network wires are sent in USD and must be converted to the recipient’s local currency. As currency conversion is required, a fee of 1% to 1.5% of the payment applies. |
Swift Network wires are sent in USD. You can convert the payment into any of Relay’s supported currencies. If you choose to convert to another currency, a fee of 1% to 1.5% of the payment applies. |
| Settlement Time | 0-3 days | 5-7 days |
| Payment tracking |
An MT103 is not available for Local Network wires but our Customer Experience Team can work with you to locate an in-progress payment. |
An MT103 will help you trace a wire payment every step of its way to your recipient. Learn more about MT103s here. |
| Best For | Faster and more affordable wires, perfect for small and frequent transactions. | Sending large wires that require detailed end-to-end tracking. |
For more information, please see: How to Send International Wires on Relay.
For detailed instructions on sending international wires, please see: