Domestic ACH transfers settle in 1-2 business days. Wire transfers go out the same day if submitted before 2pm ET. International transfers take 3-5 business days depending on the destination. Real-time payments are available for participating banks 24/7, including weekends.

Domestic ACH is free for standard delivery and $2.99 for instant. Domestic wires are $15 outgoing, free incoming. International wires are $45 outgoing, $15 incoming. Transfers between your own accounts are always free, and volume discounts apply for business customers.

We support 135+ currencies including USD, EUR, GBP, JPY, CAD, AUD, and CHF, plus most emerging market currencies. Conversions use mid-market rates with a 0.5-1% markup that varies by currency pair and amount, locked at the moment you confirm the transfer.