Send Money to USA from the UK


      Your best exchange rate: 1 =

      Get Started

      Sending money internationally has been a matter of concern and is full of misconceptions. People often struggle with the process and remain fearful of the fact whether their money reaches its destination or not. However, with the advent of modern technology and online platforms, international money transfer has become easier than ever.

      So, through this write-up, let's get an overview of the process for a better understanding and hassle-free money transfer across the world.

      How to Send Money to USA from the UK?


      risk management

      Sign up or log in

      The process begins with signing up or logging in to the SterlingFX portal. If you're a new user, sign up, and if you're an existing user, log in with your credentials.


      risk management

      Enter recipient details

      Next, you must enter the recipient details properly, including the names, account numbers, and necessary bank information.


      risk management

      Choose the amount
      and currency

      To proceed, input your amount and choice of currency. We will convert the amount, and you can ' proceed.


      Transfer complete

      Select payment method

      Now you can confirm the payment method. You can choose among debit/credit, bank transfer, demand draft, etc.


      risk management

      Review and confirm

      Double-check all the details, including exchange rates and fees. Confirm the transfer to initiate the process.


      Transfer complete

      Track your transfer

      After confirmation, you can track the status of your transfer through your SterlingFx account.

      Know All About the Best Ways to Send Money to USA from the UK

      Sending money to the USA from the UK can be a straightforward process if you know the right steps and choose the best services. This guide will walk you through everything you need to know to ensure your money transfers are secure, efficient, and cost-effective. So, learn about the bank transfers and different online transfer methods from this page of Sterling FX. Also, learn about their benefits and differences from here.

      Best Methods to Send Money to USA from the UK

      Bank Transfer

      Bank transfers are the most convenient and traditional way to send money to USA from UK. You can benefit from this service by initiating a wire transfer from your UK bank account to the recipient's US bank account. The wire transfer is processed by the SWIFT network.

      Money Transfer Services

      You can choose an international money transfer service to send money to USA from UK. After choosing this service, you have to create an account with the service provider. Then, you can transfer the money to the USA.

      Online Payment Platforms

      Online payment platforms are the best ways to send money to USA. To use this method, first, you have to link your UK bank account or debit/credit card to the platform. Then you can send the money to the recipient's account or the email address.

      Digital Wallets

      Another easy way to money transfer UK to USA is the digital wallet. For these platforms, you have to link your UK bank account or credit/debit card to the platform, first. Then you can transfer the money to the recipient's phone number or email address. This is a cheapest way to send money to USA.

      Bank Transfers vs. Online Money Transfer Services

      Services Expertise on money transfer activities Free transfer/Referral fees Additional charges (Other than exchange rate and transfer fees)
      Bank transfer No Free transfer is available in some banks Yes, you have to pay bank overheads, processing fees, etc.
      Money transfer services Yes Free transfer is not available. But referral fees are available Yes
      Online payment platforms Yes Free transfers are not available for these platforms Yes, additional charges like cross border fees are required.
      Digital wallets Yes Free transfer is available on some platforms. Some platforms are completely free to use. While the rest of the platforms include processing fees, credit card fees, fees for faster transfer, etc.

      How to Choose the Right Money Transfer Service?

      You need to consider the following pointers before you send money to USA from the UK -

      Exchange Rate

      Most of the money transfer services in the UK offer mid-market exchange rates when you want to convert the GBP to USD. But this rate is dynamic. So, you need to choose a service provider after checking the current mid-market rate. Also, ensure that the service provider offers a mid-market rate and no or less markup.

      Transfer Speed

      The transfer speed varies from provider to provider. Usually, online money transfer services offer faster transfers. They transfer your money instantly or within 1-2 working days. But the banks take a longer time to send money to USA from the UK. They transfer the money within 3-5 working days. So, in this case, it's better to opt for an online transfer for faster delivery.

      Transfer Fees

      Most banks and money transfer services charge a fee for sending your money from the UK to the USA. The fees vary depending on the different service providers and the amount they want to send. Usually, the bank charges higher fees. But by choosing an online money transfer service, you will get an affordable transfer fee. Also, you can sign up for a provider who offers discounts or zero transfer fees for new users.


      Choose the service providers of the UK who obey proper safety measures for transferring money from FCA (Financial Conduct Authority). As the FCA-regulated service obeys the money laundering regulations, you will reduce the risks of money laundering and other security issues by taking service from an FCA-authorised body.

      Understanding Transfer Fees and Exchange Rates

      Transfer fee indicates the charge levied by the international money transfer services or the banks during the money transfer UK to USA. Usually, the banks charge high transfer fees and the online money transfer services ask for low to zero transfer fees.

      The exchange rate refers to the difference between the value of the UK pound and the US dollar. This exchange rate is influenced by different factors like the state's economy, political status, speculation, and stability.

      How to Avoid Hidden Fees?

      Furthermore, you should learn this to avoid the hidden fees during money transfers UK to USA -

      Check if there is any hidden markup over the interbank rates. So, check the interbank rates from search engines, business newspapers, or other channels. Then, compare the markups from the banks and the local money changers.

      It's better to select a service provider who has a good relationship to your recipient's US bank. It helps to eliminate the hidden or unexpected charges for the transaction.

      Tips for a Secure Money Transfer

      Select a reputable bank or money transfer service that is regulated by FCA or PRA.

      Use a powerful password and also enable two-factor authentication for the service you have chosen for the money transfer.

      Before transferring the money, check your bank account's balance.

      Don't forget to check the identity of an unknown person whenever you receive a phone call, text, or email. Ensure they are genuine enough to trust.

      Use up-to-date antivirus software in your device to eliminate any phishing attack, scam, virus, or malware during the online money transfer.

      Tracking Your Money Transfer

      If you have sent your money through an online money transfer service, then you can check the status through the tracking number they provide. But, if you have transferred the money through a bank, then contact the customer care of the bank and ask them to check the status. After checking the status, they will inform you.

      How Long Does It Take To Send Money To USA From UK?

      Generally, the money transfer UK to USA depends upon the service provider and the transfer method you've chosen. If you prefer a bank transfer, it will take 3-5 business days. Also, some banks charge higher rates and transfer your money within 1-2 business days. However, if you choose online money transfer services, it will take 1-3 business days to transfer the money.

      Frequently Asked Questions

      There are four convenient ways to send money from the UK to the USA - bank transfer, online money transfer, digital wallet, and online payment platforms.
      Yes, they support branch visits. But before visiting the branch, you have to contact them. Get the details from here.

      You should avoid these mistakes -

      Sending money to someone else instead of the people you have known.

      Choosing an untrusted or un-reputable money transfer service.

      Not comparing the exchange rates.

      In that case, you have to contact the money transfer service provider immediately for the cancellation. But if your transfer has been processed or sent already, you can't cancel it.
      You need to include the recipient's full name, account number, or IBAN, and their SWIFT number or the BIC number.

      50 years

      experience in the
      foreign exchange market

      1.3 Billion

      worth of foreign
      exchange transferred


      ranked out of
      96 companies


      satisfied customers

      top-rated-company Based on 2,000+ reviews

      Read our excellent reviews here

      98% of users recommend us on Review Centre

      risk management Risk Management risk management

      risk management Best Execution risk management

      risk management Transparent Pricing risk management

      Get in touch
      with us today