• Introduction
  • Use a coin-transfer app
  • Consider a bank-to-bank transfer
  • Set upward a wire transfer
  • Request your banking company send a bank check

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How to transfer money online to friends and family

Digital apps and services arrive easier to send money to others

Read, three minutes

Peradventure you lot need to ship money to a child in college, pay your son's piano instructor or split the cost of dinner with a friend. Whatever the reason, most people need to transport money to a family member, friend or someone else at in one case or another. There are several ways to practice that electronically, each with its own advantages.

Use a money-transfer app

If yous have the email or U.Southward. mobile number of the recipient, you lot may exist able to send money deeply using an online service or app. The apps of most major banks, for example, include Zelle®, a fast and safe way to send money to friends and family. If your bank doesn't apply Zelle®, there are many other digital payment options available. Keep in listen factors like cost, speed and international capabilities can vary.

You'll need colon

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

Fees colon

More often than not costless to download but costs can vary depending on how y'all employ them.

Timing colon

Typically within minutes.

Consider a depository financial institution-to-bank transfer

If you accept the recipient's account number and routing number, there is another manner yous can transfer money from your bank business relationship into that account. A routing number—also known equally a bank routing number or ABA number—is a ix-digit code that identifies where an account is located. You might use this method for sending smaller amounts of coin to someone you send to regularly; for larger amounts, a wire transfer is some other choice. This is besides a great way to transfer coin between your own accounts at dissimilar banks.

You'll need colon

The recipient's account and routing numbers.

Fees colon

Vary by bank, amount and delivery time merely it could be gratuitous.

Timing colon

Varies past bank just can happen immediately or within a few days.

Ready a wire transfer

For sending a large amount of money, wire transfers can be a solution. To make a wire transfer, you'll need the recipient'due south proper noun and accost and their bank account and routing numbers. Call, visit or go online with your bank or a trusted wire-transfer company. Go along in mind that companies may accuse a fee for both sending and receiving wire transfers, and rates may increment if you're sending the money to someone outside the U.South.

You'll need colon

The recipient's proper noun and accost, as well as banking concern account and routing numbers.

Fees colon

Vary by institution, though may be free with certain types of bank accounts.

Timing colon

More often than not 1 business concern twenty-four hour period or less.

Request your bank send a bank check

Not everyone is set up for, or wants to receive, electronic transfers. Y'all may exist able to use online or mobile banking to adapt for your banking concern to send a personal or cashier's bank check. For regular checks, recipients may accept to await several days before accessing the money. For cashier'south checks, recipients may receive the coin immediately after depositing it. And though it's rare, checks do occasionally get lost in the post. Ask your bank what you should practise if that happens.

You'll need colon

The recipient'southward name and address.

Fees colon

Vary by bank just could exist gratis.

Timing colon

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