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

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How to transfer money online to friends and family

Digital apps and services make information technology easier to send money to others

Read, 3 minutes

Maybe you demand to send money to a child in college, pay your son's pianoforte teacher or split the toll of dinner with a friend. Whatever the reason, about people demand to ship money to a family fellow member, friend or someone else at one time or some other. There are several ways to practice that electronically, each with its own advantages.

Use a coin-transfer app

If you lot have the email or U.Due south. mobile number of the recipient, you may be able to transport coin 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 depository financial institution doesn't use Zelle®, there are many other digital payment options available. Keep in mind factors like price, speed and international capabilities tin can vary.

You'll need colon

The recipient'southward email or U.Southward. mobile number.

Fees colon

By and large costless to download merely costs tin vary depending on how you use them.

Timing colon

Typically within minutes.

Consider a depository financial institution-to-banking company transfer

If y'all accept the recipient'south account number and routing number, in that location is some other fashion you can transfer money from your bank account into that account. A routing number—also known as a depository financial institution routing number or ABA number—is a nine-digit code that identifies where an business relationship is located. You might employ this method for sending smaller amounts of money to someone you send to regularly; for larger amounts, a wire transfer is some other option. This is also a neat style to transfer money betwixt your own accounts at different banks.

You'll need colon

The recipient'south account and routing numbers.

Fees colon

Vary by bank, corporeality and delivery time but it could be free.

Timing colon

Varies by bank merely can happen immediately or within a few days.

Fix a wire transfer

For sending a large amount of money, wire transfers tin can be a solution. To make a wire transfer, you'll need the recipient'southward name and address and their bank account and routing numbers. Call, visit or go online with your bank or a trusted wire-transfer visitor. Keep in mind that companies may accuse a fee for both sending and receiving wire transfers, and rates may increase if you're sending the money to someone outside the U.S.

You'll need colon

The recipient's proper noun and address, as well as depository financial institution account and routing numbers.

Fees colon

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

Timing colon

Generally one business mean solar day or less.

Asking your bank send a check

Non everyone is set up for, or wants to receive, electronic transfers. You may exist able to apply online or mobile cyberbanking to arrange for your depository financial institution to send a personal or cashier'due south cheque. For regular checks, recipients may have to wait several days before accessing the money. For cashier's checks, recipients may receive the money immediately after depositing information technology. And though it'southward rare, checks practise occasionally become lost in the postal service. Ask your depository financial institution what yous should do if that happens.

You'll need colon

The recipient's proper noun and accost.

Fees colon

Vary by bank but could be gratuitous.

Timing colon

Depends on post and how quickly the recipient deposits the check.