Help article

Sending an international wire through the Local Network

Relay has the ability to send payments using the Local Network for international wires. This option provides a cost-effective alternative to the Swift Network for specific currencies, offering lower fees while maintaining fast delivery times.


Before you start

Ensure International wires have been enabled for your account.
  • When sending your first international payment: Payments → Send International Payment → Select SWIFT or Local Rails → Accept Terms & Conditions & Select Enable.
  • Receiving: Sign in on desktop → SettingsInternational Wires ActivationSubmit Application for Receiving International Wires.
  • You need a saved payee with a physical address (no PO Boxes).
  • Supported currencies: EUR, GBP, CAD, AUD.
  • FX window: Conversions to non-USD are available Mon–Fri, 7:00am–6:00pm ET. You can still send USD via SWIFT outside this window.

How to send (Web & Mobile)

Web Mobile 

  1. Sign in to your Relay account in a web browser.
  2. Go to the Payments tab.
  3. Click on Send International Payment.
  4. Select International Wire (local rails).
  5. In Recipient (vendor), select an existing payee, or click + to add a new payee.

  6. Select the Pay From Account.

  7. Under Amount, select USD and choose the appropriate currency. 

  8. Enter the Amount.

  9. Click Next Step.

  10. Confirm the Payment Method and Payee Details.

  11. Select a Purpose Code.

  12. Enter the Memo.

  13. Click Next step.

  14. Confirm the payment details once more and select Pay.

Please Note: FX conversions to non-USD are available Monday–Friday, 7:00am–6:00pm ET.


Fees (Local Network, per wire)

Starter Grow Scale
$5.00 USD $3.00 USD $1.50 USD

What the recipient’s bank sees (sender display)

Currencies Displayed sender
EUR, GBP Your business (ultimate sender) is visible to the recipient’s bank.
CAD, AUD Ultimate sender isn’t shown; it appears as a banking partner.

Per-currency details

Cutoff times are shown in UTC (guidelines, not guarantees) and are independent of FX conversion hours. Your account may also have transaction limits—see how to view your limits.

Tip: Click a box below to expand its details.

EUR European Union ▼ Click to expand

Requirements

  • Recipient name (or business name)
  • Full address
  • IBAN

Attribute

Details

Payment networks SEPA Credit Transfer (SCT); SEPA Instant Credit Transfer (SCT Inst.)
Cutoff/processing 2:00 pm UTC for SCT; 24-hour processing for SCT Inst.
Max per payment €100,000 (SCT); No limit for SCT Inst. (check beneficiary bank supports SCT Inst.)
Sender display Ultimate sender visible

GBP United Kingdom ▼ Click to expand

Requirements

  • Recipient name (or business name)
  • Full UK address
  • Sort code (6)
  • Account number (8)

Attribute

Details

Payment network Faster Payments Service (FPS)
Cutoff/processing 24-hour processing
Max per payment £1,000,000
Sender display Ultimate sender visible

CAD Canada ▼ Click to expand

Requirements

  • Recipient name (or business name)
  • Full address
  • Institution (Bank) number
  • Transit (Branch) number
  • Account number

Routing example: 0 + 3-digit Institution + 5-digit Transit.

Attribute

Details

Payment network Electronic Funds Transfer (EFT)
Cutoff/processing 4:00 pm UTC
Max per payment $200,000 CAD
Sender display Shown as a banking partner

AUD Australia ▼ Click to expand

Requirements

  • Recipient name (or business name)
  • Full address
  • BSB (6)
  • Account number (3–9)

Attribute

Details

Payment network Direct Entry
Cutoff/processing 1:30 pm UTC
Max per payment No limit
Sender display Shown as a banking partner


Initiating a Bill Payment through your account's International Wire Payment Flow

You can take advantage of Relay's Bill Pay feature directly from your account's Send International Payment window! To upload, pay a bill via International Wire, and migrate a bill directly into the Bill Pay section of your account, simply follow the below steps:

  1. Sign in to your Relay account.
  2. Click on Payments and select your desired payment method.
  3. Upload the bill file (PDF, image, or document). under the Have a bill handy? field.
  4. Relay will auto-extract key information:
    1. Vendor name
    2. Invoice number
    3. Line Items and Amount
    4. Invoice Date and Due date
  5. Review or edit the extracted fields and complete the Memo field.
  6. Optional: Add accounting categorization (available for all plans)
    • Line Item Categorization (available in Grow & Scale).
  7. Click Next Step.
  8. Verify again the payment method, payee details, and payment date and select Next Step and Pay.
  9. Your payment will be initiated and the bill will also migrate into your account's Bills section.

For more information, please see Getting Started with Bill Pay in Relay and Creating and Uploading Bills in Relay.


Frequently Asked Questions

Can I receive international wires via Local Network?

Yes. You can receive international wires via local rails when supported by the currency and region. For step-by-step instructions and account details, see Receiving an international wire.

Can I reuse one payee for multiple currencies?

Create a separate payee for each country/currency so the details match local rails.

What if my country isn’t listed?

Use the SWIFT network to send to additional countries/currencies (different fees and timing).


Payment security

Keeping your money and data safe is our top priority. For certain payments, you may be asked to verify with an SMS code as an added layer of security. Learn more: Verifying payments using SMS verification codes.

Note: The threshold that prompts 2FA SMS codes will soon be customizable.

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