International Wire Transfer
Send Money Overseas.
Fast. Low-Fee. No Limits.
Your bank charges $35-$50 per wire and takes up to 5 days. OnlineCheckWriter.com does it in 1-2 business days – at a fraction of the cost. No transfer limits. SWIFT-powered. All in one platform.
OnlineCheckWriter.com- Powered by Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.
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The Problem
Your Bank Is Overcharging You on Every Wire
Let’s be real. Sending an international wire transfer through a traditional bank is a pain.
Most US banks charge $35-$50 per outgoing international wire. Then the recipient’s bank takes another $15–$25 on arrival. That’s up to $75 per transfer – before any currency conversion.
Then there’s the wait. Up to 5 business days for your vendor to receive money that should take one. And if you manage multiple countries, contractors, or payroll? You’re doing this over and over on separate platforms.
$35–$50 Per Wire
Just your bank’s cut – not counting what the recipient’s bank charges when the money arrives.
Up to 5 Business Days
Your vendors are waiting. Your supplier relationships are under pressure. Urgent payments miss deadlines.
Transfer Limits
Many banks cap online wires at $10,000-$25,000 per day. Need to send more? Go to a branch.
Five Tools, Five Logins
Separate platforms for wires, ACH, checks, and bill pay – hours of admin work every week.
The Solution
One Platform for Every Business Payment
OnlineCheckWriter.com handles international wires, ACH, checks, bill pay, and more – all in one login.
195+ Countries via SWIFT
If your recipient has a bank account anywhere in the world, you can reach them.
No Transfer Limits
Send $500 or $500,000. No daily caps, no per-transaction ceilings, no branch visits.
1-2 Business Day Delivery
Significantly faster than traditional banks. Urgent payments actually get there on time.
Flat Fee - No FX Markups
Know your cost before you confirm. No hidden exchange rate markups buried in the fine print.
22,000+ Banks Connected
Link your existing business bank account. No need to switch banks or open new accounts.
QuickBooks, Xero & More
Wire transfers sync automatically with your accounting software. Reconciliation done for you.
Approval Workflows
Set spending limits, require sign-off for large transfers, and stay in control of every payment.
Wire + ACH + Check + Bill Pay
Every payment type your business needs – in one platform, one login, one workflow.
How It Works
What Is a SWIFT Code – and Why Do You Need One?
SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. It’s a secure global messaging network used by more than 11,000 banks in 200+ countries.
When you send an international wire, the SWIFT network carries the encrypted payment instructions from your bank to your recipient’s bank. The SWIFT/BIC code is your recipient’s bank’s international address – without it, the transfer can’t be routed.
Think of it this way: your IBAN (International Bank Account Number) is the specific account address. The SWIFT/BIC code is the bank building’s address. You need both.
What You’ll Need to Send
Recipient's Full Legal Name
Must match their bank records exactly
Full Address
Street, city, country, postal code
SWIFT / BIC Code
The recipient bank’s identifier
IBAN or Account Number
The specific account to credit
Transfer Amount & Currency
Shown in full before you confirm
2025 update: Federal Reserve ISO 20022 rules now require the recipient’s name and address to match their bank records exactly. Even a small spelling error can delay or return the transfer.
Step by Step
Send a Wire in 5 Simple Steps
No branch visits. No paperwork. No hold music.
Log In
Go to your OnlineCheckWriter.com dashboard and select Wire Transfer → International.
Choose Country & Currency
Select the destination country and the currency your recipient needs to receive.
Enter Recipient Details
Full name, address, SWIFT/BIC code, and IBAN or account number.
Enter Amount
Type the amount. No limits. See the full fee before you confirm – no surprises.
Confirm & Send
Hit send. Your wire moves through SWIFT and arrives in 1–2 business days.
Built For
Who Uses This Platform?
If your business pays anyone overseas, this platform was built for your workflow.
Importers & Exporters
Pay overseas suppliers and manufacturers on time – without your bank’s fees eating into every transaction.
Staffing & HR Teams
Run international contractor payroll without setting up separate tools for each payment method.
Real Estate & Legal Firms
Handle large cross-border transactions with a full audit trail and multi-user approval workflows.
Tech & SaaS Companies
Pay developers, agencies, and partners in any country from the same platform you use for everything else.
Nonprofits & NGOs
Send funds to international programs quickly with full compliance and reporting built in.
Healthcare Practices
Manage international vendor payments on a HIPAA-compliant platform – no separate tool required.
Common Questions
How long does an international wire transfer take?
With OnlineCheckWriter.com, most international wire transfers arrive in 1–2 business days. Traditional banks can take up to 5. Timing depends on the destination country, the recipient's bank, weekends, and holidays. US domestic wires typically process the same day.
How much does an international wire transfer cost?
Most US banks charge $35–$50 per outgoing international wire - not including FX markups or what the recipient's bank charges on arrival. OnlineCheckWriter.com charges a low flat fee with no hidden exchange rate markups. The full cost is shown before you confirm.
Is there a limit on how much I can send?
No. OnlineCheckWriter.com has no transfer limits on international wires. Many banks cap online wires at $10,000–$25,000 per day and require a branch visit for larger amounts. With us, you send exactly what you need - no restrictions.
What information do I need to send an international wire?
You'll need: recipient's full legal name (exact match to their bank records), full address, IBAN or account number, SWIFT/BIC code of their bank, and the transfer amount and currency. As of 2025, updated Federal Reserve rules require exact name and address matching - even small differences can delay or return the transfer.
What is a SWIFT code, and do I need one?
Yes - a SWIFT code (also called a BIC) is required for any international wire. It's the unique identifier for your recipient's bank on the global SWIFT network. Without it, the transfer can't be routed. Your recipient can find their bank's SWIFT code on their bank's website, their statement, or by calling their bank.
Is wire transfer the same as ACH?
No. Wire transfers are processed individually - ideal for large or time-sensitive international payments. ACH transfers are processed in batches, cost less, and are mainly used for domestic US payments like payroll. OnlineCheckWriter.com supports both, so you can pick the right method for each situation.
Can I receive international wire transfers too?
Yes. Give the sender your full legal name and address, your bank account number, and your bank's SWIFT/BIC code and routing number. Incoming funds are credited directly to your linked bank account.
Does OnlineCheckWriter.com do more than wire transfers?
Yes - that's the point. In addition to international and domestic wires, it handles ACH, check printing, check mailing (USPS and FedEx from $1.25), eChecks, bill payments, virtual cards, invoicing, and payroll. It integrates with QuickBooks, Xero, Zoho, Gusto, and 22,000+ banks. One platform replaces four or five separate tools.
Real Stories, Real Results
Experience fast, secure, and cost-effective international transfers
Karla C.
"The best online software"
Save time
Chansa Catherine
"overall it was a good experience, loved the mobile app, came in handy when on the move out of the office"
Money arrives in minutes
Danylo
"I use Online Check Writer daily and I am satisfied that I selected that product"