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Personal Finance

How do international wires work?

Quick Answer

International wires move via SWIFT through correspondent banks, settling in 1-5 days. Cost: $45-$75 outgoing plus a 1-3% FX spread plus $10-$30 intermediary fees plus $15-$30 incoming. Wise and Revolut often beat banks by 50-200 bps.

International wire path through SWIFT network and correspondent banks.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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