• Introduction
  • Utilise a money-transfer app
  • Consider a depository financial institution-to-bank transfer
  • Set up a wire transfer
  • Request your bank transport a check

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How to transfer money online to friends and family

Digital apps and services get in easier to send money to others

Read, iii minutes

Peradventure you lot need to ship coin to a child in college, pay your son's piano teacher or dissever the cost of dinner with a friend. Whatever the reason, well-nigh people demand to send money to a family unit member, friend or someone else at i time or some other. In that location are several ways to do that electronically, each with its ain advantages.

Use a money-transfer app

If y'all have the electronic mail or U.Southward. mobile number of the recipient, you may be able to send coin securely using an online service or app. The apps of most major banks, for instance, include Zelle®, a fast and rubber manner to send money to friends and family unit. If your banking concern doesn't apply Zelle®, there are many other digital payment options available. Keep in heed factors like cost, speed and international capabilities can vary.

You'll need colon

The recipient's email or U.S. mobile number.

Fees colon

Mostly free to download just costs can vary depending on how you lot use them.

Timing colon

Typically within minutes.

Consider a banking concern-to-depository financial institution transfer

If y'all accept the recipient'due south account number and routing number, there is another way yous can transfer money from your bank account into that business relationship. A routing number—as well known as a bank routing number or ABA number—is a ix-digit code that identifies where an account is located. You might employ this method for sending smaller amounts of coin to someone you ship to regularly; for larger amounts, a wire transfer is another choice. This is besides a slap-up fashion to transfer coin between your own accounts at different banks.

You'll need colon

The recipient's account and routing numbers.

Fees colon

Vary past bank, amount and delivery time merely it could exist free.

Timing colon

Varies past banking concern just can happen immediately or inside a few days.

Fix a wire transfer

For sending a large amount of coin, wire transfers tin can be a solution. To make a wire transfer, you'll demand 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 company. Keep in mind that companies may accuse a fee for both sending and receiving wire transfers, and rates may increase if yous're sending the money to someone exterior the U.Southward.

You'll need colon

The recipient'south proper name and address, also as bank account and routing numbers.

Fees colon

Vary by establishment, though may be free with certain types of banking company accounts.

Timing colon

Generally one business concern day or less.

Asking your bank send a cheque

Not everyone is ready for, or wants to receive, electronic transfers. Yous may be able to use online or mobile banking to arrange for your bank to transport a personal or cashier's check. For regular checks, recipients may accept to wait several days earlier accessing the money. For cashier'southward checks, recipients may receive the money immediately after depositing it. And though it's rare, checks do occasionally get lost in the mail. Enquire your depository financial institution what you should do if that happens.

You'll need colon

The recipient'due south name and address.

Fees colon

Vary by depository financial institution merely could be free.

Timing colon

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