• Introduction
  • Use a coin-transfer app
  • Consider a bank-to-banking concern transfer
  • Set up a wire transfer
  • Request your banking concern send a cheque

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How to transfer money online to friends and family

Digital apps and services arrive easier to transport money to others

Read, iii minutes

Maybe you need to send coin to a kid in higher, pay your son'southward pianoforte teacher or split the price of dinner with a friend. Whatever the reason, most people need to send money to a family member, friend or someone else at one fourth dimension or another. There are several ways to do that electronically, each with its own advantages.

Use a coin-transfer app

If you have the email or U.Due south. mobile number of the recipient, you may exist able to send money deeply using an online service or app. The apps of almost major banks, for example, include Zelle®, a fast and rubber manner to transport money to friends and family. If your banking concern doesn't employ Zelle®, at that place are many other digital payment options available. Keep in mind factors like cost, speed and international capabilities can vary.

You'll need colon

The recipient'due south email or U.Due south. mobile number.

Fees colon

Generally free to download but costs can vary depending on how yous use them.

Timing colon

Typically within minutes.

Consider a bank-to-bank transfer

If you accept the recipient's account number and routing number, there is another fashion you lot tin transfer money from your banking concern account into that account. A routing number—too known as a banking company routing number or ABA number—is a nine-digit code that identifies where an account is located. You might utilise this method for sending smaller amounts of money to someone y'all send to regularly; for larger amounts, a wire transfer is another option. This is also a smashing manner to transfer money between your own accounts at different banks.

You'll need colon

The recipient'south account and routing numbers.

Fees colon

Vary by bank, amount and commitment time but it could exist gratis.

Timing colon

Varies by bank but can happen immediately or within a few days.

Set a wire transfer

For sending a big amount of money, wire transfers tin can be a solution. To make a wire transfer, you'll need the recipient's name and accost and their bank business relationship and routing numbers. Call, visit or go online with your depository financial institution or a trusted wire-transfer visitor. Keep in mind that companies may charge a fee for both sending and receiving wire transfers, and rates may increase if yous're sending the money to someone outside the U.S.

You'll need colon

The recipient'southward proper noun and address, as well as bank account and routing numbers.

Fees colon

Vary by institution, though may be complimentary with sure types of bank accounts.

Timing colon

Generally one business organization day or less.

Request your banking company transport a check

Not anybody is set for, or wants to receive, electronic transfers. You lot may be able to use online or mobile banking to arrange for your bank to ship a personal or cashier's cheque. For regular checks, recipients may have to wait several days earlier accessing the money. For cashier's checks, recipients may receive the money immediately afterward depositing it. And though it's rare, checks do occasionally go lost in the post. Ask your bank what y'all should do if that happens.

You'll need colon

The recipient's name and accost.

Fees colon

Vary by bank just could be free.

Timing colon

Depends on post service and how quickly the recipient deposits the cheque.