How long does a transaction take?

• Domestic USD: Up to 2 hours.

International Wire Transfer: 2–8 hours, depending on the beneficiary’s timezone. If submitted outside the beneficiary bank’s operating hours, it will settle on the next business day (T+1).

The information required to track a payment depends on the payment method used:

• Domestic wires: You will need the IMAD (Input Message Accountability Data) or OMAD (Output Message Accountability Data) reference. These unique identifiers are assigned to wire transfers within the U.S. financial system and help banks locate transactions in their system.
• SWIFT payments: You will need the MT103 document, which serves as proof of payment in international wire transfers. This message contains details such as sender and beneficiary information, transaction reference, and timestamps. 

• Minimum amount: $10,000 USD per transaction. A fixed fee of $35 USD will apply for transactions below this amount.
• Maximum amount: There is no set maximum, but transactions can be quoted up to $1,500,000 USD. For larger amounts, you can either split the transaction or contact our operations team for assistance.

Please refer to our prohibited countries list for details on restricted jurisdictions.

A lList of restricted countries can be found here.