Send Money to the USA from UK – Fast, & Secure Options

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What Is the Cheapest and Fastest Way to Send Money to the USA from the UK?

The most affordable and efficient way to send money to the United States is through regulated online money transfer services. These companies offer competitive exchange rates, low transfer fees, and a range of delivery options that often outperform traditional high street banks.

You can transfer funds to a recipient's bank account, enable cash pickup at selected US locations, or send money to a mobile wallet where supported. Depending on your payment method, delivery is often instant or completed within one business day.

Best Online Money Transfer Services to the USA

Provider Fees GBP/USD Rate Recipient Gets ($) Delivery Time
Wise £4.50 1 GBP = 1.27 $1,270 Same Day
Revolut £0 1.26 $1,260 1 Business Day
OFX £0 1.25 $1,250 1–2 Days
WorldRemit £3.99 1.24 $1,240 Minutes to Hours
Western Union £5+ 1.22 $1,220 Minutes to 1 Day

🔹 Rates as of August 2025. Actual delivery and value may vary by payment method or time of transfer.

How Long Does a Money Transfer to the USA Take?

Delivery time varies depending on your chosen delivery method:

Delivery Method Estimated Time
Bank Transfer 1–2 business days
Credit/Debit Card Instant to 24 hours
Cash Pickup Within minutes
Mobile Wallet Same Day (if available)

Most providers also offer email or app-based transfer tracking.

How Long Does a Money Transfer to the USA Take

What Payment Methods Can I Use to Send Money to the USA?

You can send money using:

  • Bank transfer from a UK bank account
  • Debit card or credit card payment
  • Apple Pay or Google Pay (on supported platforms)
  • Online banking login

Some providers accept payment from linked wallets or prepaid cards.

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What Documents or Information Do I Need?

To complete your first money transfer to the USA, you’ll typically need:

  • Your full name, email address, and phone number
  • Recipient’s full name and bank account number
  • Recipient’s bank name and address (SWIFT/BIC may be required)
  • Amount of money and payment details
  • Your date of birth and proof of address (for verification)

For cash pickup, ensure the recipient has a valid photo ID.

Can I Send Money to a Bank Account in the USA

Can I Send Money to a Bank Account in the USA?

Yes. Bank deposit is one of the most common payout options. To complete it, provide:

  • Recipient’s account number and bank name
  • Routing number or SWIFT code (for international deposits)
  • Recipient's full legal name

The transfer is usually credited in USD and lands within 1–2 business days. The recipient’s bank account must be in their legal name, and all payment options should be double-checked before confirming the transaction.

Can I Track My Money Transfer?

Yes. Most money transfer services offer real-time tracking via:

  • Email alerts
  • SMS updates
  • Mobile app tracking dashboards
  • Web-based account login

If your transfer is delayed or rejected, contact customer support. Refunds are usually issued within 2–5 business days.

Compare International Money Transfer Services

Comparing Features, Fees, and Reliability for Seamless Money Transfers

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Are There Any Hidden Fees?

Some providers promote "zero fee" transfers but profit from:

  • Markups on the exchange rate
  • Additional fees for card payments
  • Fees for currency conversion

To avoid surprises:

  • Compare exchange rates alongside fees
  • Choose providers that show total cost clearly
  • Avoid urgent delivery methods unless needed

Are There Limits on Sending Money to the USA?

Yes. Limits vary by provider and verification level. Most UK-based services allow:

  • Up to £8,000 per transfer for unverified users
  • Up to £25,000 or more with full ID verification

These limits are in place for fraud prevention and regulatory compliance.

Are There Limits on Sending Money to the USA

What Happens If the Transfer Fails?

If your transfer fails:

  • Double-check the recipient’s account number and name
  • Make sure the transfer amount and currency are correct
  • Look for any error messages from the platform
  • Contact the provider’s customer support

Refunds are typically processed within a few business days.

Compare International Money Transfer Services

Comparing Features, Fees, and Reliability for Seamless Money Transfers

Check Rates

Who Offers the Best Customer Support for Transfers to the USA?

The following money transfer services on our panel are known for excellent customer service:

  • OFX – Offers responsive phone and email support during business hours, with dedicated account managers for high-value transfers.
  • TorFX – UK-based customer service team providing personal account support and same-day callbacks.
  • Currencies Direct – Known for personalised service and strong support across phone, email, and app.

Review customer support options when choosing a provider, especially if you're sending large amounts or require fast resolution.

Are There Promotions for First-Time Users?

Yes! Some of our partners provide welcome bonuses for new customers:

  • OFX – No transfer fee on your first payment over £1,000
  • Currencies Direct – Free transfers and competitive exchange rates for new clients
  • TorFX – Zero fees and tailored rate guidance for first-time users

Always check terms and conditions to ensure the offer isn’t offset by hidden fees or unfavourable exchange rates.

Always check if the fee is truly waived or included in a marked-up exchange rate.

FAQs – About Sending Money to the USA from UK

Typically up to £8,000 without ID, or £25,000+ with full verification.

Yes. Use cash pickup or supported mobile wallets.

Minutes (cash), 1–2 days (bank).

Yes. Most Friday evening transfers complete on Monday.

No. You only need the recipient’s details — not a US tax ID.

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Correct as of 06 August 2025

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Page last updated on: 12/08/2025

Page reviewed by: Andrea Troy

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