International Transfer Timelines (USD vs Local Currency)
The time it takes for international transfers to arrive depends on the payment method, the destination country, and the banks involved.
Sending funds in local currency typically moves faster and avoids intermediary bank fees, while USD transfers may take longer due to additional routing through correspondent banks.
Typical Delivery Times
| Transfer Type | Estimated Arrival | Details |
|---|---|---|
| Local Currency Transfer (FX) | 1–2 business days | The funds are converted before being sent from the U.S., then deposited directly into the recipient’s local account. |
| Less Common Currencies / Destinations | 2–5 business days | Transfers may route through multiple intermediary banks, adding time. |
| USD to U.S. Account (Domestic) | 1–2 business days | ACH or domestic wire transfers between U.S. banks. |
| USD International Transfer (Standard) | 1–3 business days | Typical for common corridors with direct bank relationships. |
| USD International Transfer (With Intermediary Banks) | 3–5 business days | More complex routes may involve multiple correspondent banks. |
Note:
These are estimated business-day timelines. Weekends and banking holidays in either country may extend delivery times.
Factors That Can Affect Transfer Time
Bank Processing Times
Each bank has its own daily cut-off time for initiating or releasing payments.
Time Zones
Transfers initiated late in the U.S. day may fall outside the recipient bank’s operating hours.
Holidays and Weekends
Banks don’t process payments on weekends or holidays.
Check U.S. Banking Holidays for known closure dates.
Regulatory Reviews
Some countries have stricter compliance or documentation checks that can delay cross-border transfers.
Intermediary Banks
USD transfers—especially to countries without local currency support—may pass through several correspondent banks, adding both time and potential fees.
Tips to Help Speed Up Transfers
Use Local Currency Where Possible
Local currency payouts are faster and avoid USD intermediary networks.
See our Country Coverage List to confirm FX availability.
Double-Check Recipient Details
Ensure account numbers, SWIFT/BIC codes, and beneficiary names are correct before confirming.
Send During Bank Hours
Initiating a transfer earlier in the day (U.S. time) can help it reach the next available processing window.
Why This Matters
Understanding how timelines differ between USD and local currency transfers helps your business plan cash flow more effectively.
Local currency transfers tend to settle faster and more reliably, while USD transfers—though flexible—may take longer due to routing through international networks.