Send Money to the USA – Fast, Secure & Low-Cost Transfers

You will need the recipient’s full name, their account details (routing number and account number), the bank name, and sometimes their address. These details help ensure the transfer reaches the correct local bank account in the USA.

The cheapest way is usually an online international transfer provider offering low fees, competitive exchange rates and transparent pricing. High street banks may charge more through higher foreign transaction fees and weaker GBP→USD rates.

Transfer speeds depend on the payment method. Debit card payments are often same-day, while bank transfers typically take 1–2 working days. International transfer duration may also be affected by US bank holidays.

The United States does not use IBAN. Instead, transfers use an ABA bank code (routing number) plus the customer’s account number. This applies to personal accounts and all account types, including checking and savings.

Yes. Most providers support transfers through online banking or their mobile app, making it easy to manage international transfers, check rates and track the final amount your recipient will receive.

Compare providers that show the final amount upfront, avoid exchange rate markups and disclose any foreign transaction fees. Using providers with competitive exchange rates and low fees helps reduce overall costs.

Limits vary by provider and account type. Many allow transfers up to £50,000, with higher limits for verified or business accounts. Additional checks may apply for large international transfers.

Yes. FCA-regulated providers use encryption, secure servers and authentication to protect your data. You can track your transfer through the website or mobile app, giving you full visibility and peace of mind.

Payments to the USA are delivered in United States dollars (USD). Some providers also offer transfers in foreign currencies, but USD is standard for all US bank deposits.

No — although most UK to US transfers go into a bank account, some providers also support cash pickup or prepaid card deposits. For a bank deposit, the recipient will need their account number and routing number. For non-bank transfers, they may need ID or a reference code depending on the delivery method.

USD exchange rates move due to market activity in the global forex market. Factors include US Federal Reserve announcements, inflation data, geopolitical events, and trading volume across major financial centres like London and New York. Live-priced transfers usually update several times per minute, which means the rate can change between starting and completing a transfer.

Yes. Many providers allow scheduled transfers or recurring payments funded by bank transfer or debit card. These are useful for paying rent, tuition or family support. Some services also offer rate alerts so you can choose a better moment to send money based on the live GBP→USD exchange rate.

Personal remittances (such as gifts or family support) usually do not create UK tax obligations. However, large transfers connected to business, property purchases or inheritance may require documentation for compliance checks. In the USA, the recipient may need to report large incoming amounts depending on their circumstances. If unsure, it’s best to verify with a qualified tax professional.