Send money to a bank account

A bank transfer is a direct money transfer from one bank account to another. In other words, it allows you to send money from your account to someone else's via their account details.

Revolut isn't a bank in all countries, but you can still send and receive money transfers with your Revolut account.

Bank transfers can be either local (between two accounts in the USA) or international (between accounts in two different countries).

You'll find the following types of bank transfers in-app:

• ACH transfers
• Wire transfers
• SWIFT transfers

Learn more about different types of bank transfers.

Delivery times for bank transfers vary depending on factors like the destination country, the currency, and the service used to process your payment.

• Local ACH transfers made in USD usually arrive in 2 to 5 business days.
• Domestic wire transfers made in USD arrive within 1 business day.
• International bank transfers via SWIFT generally arrive within 3 to 5 business days. The timeframe depends on the currency and destination.

When you send money via bank transfer, there are two types of costs you should keep an eye out for: currency exchange fees and transfer fees. These may or may not apply, depending on the country you're sending to, the currency, and when you're making your transfer. You'll see all costs in-app before you send.

Currency exchange rates and fees

If you're sending money to a bank account outside the USA, the recipient will most likely use a currency different from your own. This means your transfer will probably involve currency conversion. Before you send an international bank transfer, check out our exchange rates in-app.

You may also pay a currency exchange fee. This depends on your plan, the amount you're sending, and the time of your transfer.

Bank transfer fees

Depending on the transfer method you choose, you may also pay a small transfer fee.

You won't pay any additional transfer fees when you send an ACH transfer in the USA. If you choose a wire transfer instead, you'll pay a flat fee of $10.

For international transfers to a bank account outside the USA, you'll pay a small transfer fee that's calculated in real-time based on your amount, currency, and destination. You'll get discounts on international transfer fees with our Premium and Metal plans.

Heads up — external and intermediary banks may charge fees that we can't predict.

The details you need for bank transfers may vary depending on the destination country and currency.

For local transfers in the USA, you'll generally need the recipient's full name, bank account number, and ACH routing number.

For international transfers, you'll also need their BIC/SWIFT code. We might ask you for additional information like their city and phone number.

With Revolut, you can easily send bank transfers, both in the USA and internationally. Here's how:

1. Download our Android or iOS app for free, then sign up.
2. Add money to your Revolut account via card, bank account, Apple Pay or Google Pay, and more.
3. Go to Payments and choose your transfer type.
4. Enter your destination country, currency, and amount.
5. Add your recipient's details.
6. Tap Send, and we'll do the rest.

See more on how to send a bank transfer.

Yes, you can send money from your Revolut account to any bank in the USA — Bank of America, Citibank, JPMorgan Chase, Wells Fargo, you name it.

You can also make international transfers to bank accounts outside the USA just as easily in-app.