wire fee что это

wire fee

1 A solid steel wire used to support the structure of an airplane’s wings or fuselage.

2 Encore Wire Corporation

3 Kirschner wire

4 компоненты фильтров Vee Wire

5 continuous wire machine

6 diamond(-impregnated) wire cutting machine

7 diamond(-impregnated) wire cutting machine

8 (protective )earth wire

9 earth-wire support

10 EC wire-cutting

11 EDM wire machine

12 electrochemical wire-cutting

13 ETP copper wire

14 filler wire cast test

15 guidance wire

16 guide path wire

17 M-wire

18 meter wire

19 PC wire rod

20 (protective )earth wire

См. также в других словарях:

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Источник

What is a wire transfer: A thorough overview

Need to send money to friends or family? Or maybe you have to make a large transfer as a downpayment on a new home?

What is a wire transfer, exactly?

Electronic transfers like these are usually arranged using the SWIFT¹ (Society for Worldwide Interbank Financial Telecommunication) or Fedwire² networks. These networks allow banks to securely transmit messages and money both domestically and internationally.

How fast are wire transfers?

Domestic wire transfers are usually received quickly once they have been processed by the bank. Fedwire, for example, states that wire instructions are settled immediately on receipt.

Most banks have cut off times, after which wire transfer requests may not be processed until the next business day. Get your wire transfer set up in the morning to make sure it’s processed quickly by your own bank, and gets to your recipient in good time.

There’s no waiting time for funds to clear

One advantage of wire transfers over an alternative like ACH payments, is that there is no clearing time to worry about. This means you’ll get your money as soon as the wire has been processed.

That makes wires faster than ACH payments, and also much safer than using a check, for example. If you’re paid using a check which bounces, you may not even know this has happened until much later.

Time to process a wire

Usually domestic wire payments are completed on the same day they are arranged, as long as the wire is initiated before the day’s cut off time.

That said, it can take several hours for the funds to show up in the recipient’s account, depending on the recipient bank’s own processes.

What information is needed for a wire transfer?

Usually, the information needed is quite similar, regardless of who you bank with. For example, Bank of America’s required information includes⁴:

Depending on where you’re sending money to, you might also need to provide additional details such as the source of funds or reason for payment, to comply with the laws in your destination country.

How safe are wire transfers?

Paying for property

Receiving money

Wire transfers can’t easily be reversed once they’re processed. However, other types of payments may be cancelled from the sender’s side.

Other online transfer types

If a wire payment isn’t the right option for you, you have a few other alternatives. Let’s take a quick look at the most popular.

Money Transfer Services

Another way to make a payment to someone is to use a money transfer service like Western Union and MoneyGram. These services may allow you to make a payment directly from your bank account, into the account of another recipient. In that way, they look similar to a regular wire. However, it’s worth noting that there may be additional fees compared to a wire arranged directly with your bank, which you’ll need to check.

Western Union, for example, notes that you may pay additional bank fees for funding payments through a bank wire, and the payment may not be allowed if it originates from a business account.⁶

ACH transfer

Apps and peer-to-peer payment methods

Other quick and easy ways to send money include peer to peer payment options like Venmo⁹ and PayPal¹⁰. You may also want to look at specialist payment providers and apps, such as Wise for low cost international transfers.

Venmo offers payments between people based in the US, with a local US cell number¹¹. PayPal can provide both domestic and international payments, but the fees for making a cross border payment are complex and fairly high.¹²

If you want to send money to someone based abroad, it’s smart to shop around as there are many different providers, offering varying fees. Check out the Wise multi-currency account as a simple way to hold foreign currencies, and send and receive payments. This can work out much cheaper than sending regular international wires, or using an alternative provider.

Sources checked on April 23, 2020

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

Источник

Как перечислить деньги при типе расчета Wire Transfer?

koshaka

Начинающий

как перечислить деньги при типе расчета Wire Transfer?

Добрый день. Я наверное самый чайниковый из всех чайников.

Если можно, по пунктам объясните мне, как оплатить покупку (в Украине) американской фирме, если я выбрал метод оплаты Wire Transfer

C чего начать, как правильно все заполнить?
Заранее спасибо!

Yurij

Powerseller

koshaka

Начинающий

Yurij,
Это я понял, не тупой,

Как его правильно сделать?

Schwalbe

Powerseller

koshaka

Начинающий

Schwalbe, Это конечно зашибись, но при условии, что есть свой банк.
У меня есть кошка, квартира и Жигули, а вот банк пока не прикупил себе!

Я тут прошу, чтоб со мной поделились опытом, а не ерничали!

Как вообще выглядит перевод денег за границу?

zergo

Продвинутый

Можно, конечно, и свой банк, но тогда не ты, а к тебе ходить будут.

Делюсь опытом: выхожу в интернет-обслуживание банка, нажимаю кнопку «международный перевод», забиваю данные, нажимаю «отправить» и нужный пароль. Деньги ушли, в течение пары дней они там (переводил в Германию, Англию).

Schwalbe

Powerseller

koshaka, без обид, я не ёрничал почти ни грамма просто ты ж понимаешь в советском союзе сколько банков столько и взглядов на процедуру международного перевода, а ты даже не написал «откуда сам то будешь»(с) 👿

я потому назвал банк своим, потому что звоню туда по поводу и без, с вопросами например: «что у нас там за фигня с евро происходит?» 👿
уже привыкли, терпят меня как неизбежное зло, вроде насморка или дождя. 😆
кстати идея о СВОЁМ банке не так плоха как кажется
👿

Алексанзер

Крутой иБаер

Re: как перечислить деньги при типе расчета Wire Transfer?

заходишь в MyEbay, напротив лота жмешь кнопку ОПЛАТИТЬ, появляется окно с ценой лота и стоимостью доставки, внизу возможные способы оплаты. ставишь птицу напротив WIRE TRANSFER и жмешь далее, так потихоньку доходишь до окна, в котором видны банковские реквизиты продавца. распечатываешь их и идешь в банк, осуществляющий международные валютные переводы без открытия валютного счета. В России это Сбербанк, Промстройбанк и многие другие, тарифы отличаются достаточно сильно.
В банке спрашиваешь, за чей счет будут сниматься возможные дополнительные комиссионные банков-корреспондентов. Тебе нужно, чтобы в оплату за перевод были включены все возможные комиссии.

Дачник

Продвинутый

Есть банковская комиссия с получателя и есть с отправителя.

Во втором случае выплачивается одноразовая комиссия отправителем и вся сумма доходит до получателя.

Стандартные банковские условия.

ЗЫ: В среднем комиссия с отправителя за валютны перевод составляет не менее 15 долларов.

koshaka

Начинающий

Так они потребовали 20$ за перевод, козлы.

Товар стоит 10$, доставка 13$ (из Китая), так мне еще 20$ банку платить?

А Western Union только физическим лицам переводы делает?

Дачник

Продвинутый

koshaka

Начинающий

Алексанзер

Крутой иБаер

Так они потребовали 20$ за перевод, козлы.

Товар стоит 10$, доставка 13$ (из Китая), так мне еще 20$ банку платить?

А Western Union только физическим лицам переводы делает?

Источник

Wire Transfer Fees

In this article, we’ll be taking a look at the wire transfer fees for popular US and UK banks, what kind of fees you can expect, and how to reduce those fees for cheaper international wire money transfers.

Make sure you’ve checked out our guide on the cheapest ways to send money abroad which explains how money transfer providers outperform wire and bank transfers in terms of costs and fees.

What fees are most commonly associated with wire transfers?

If you are sending money domestically between two bank accounts, you will not normally need to worry about incurring a fee from your bank.

However, sending and receiving money internationally will be associated with fees, and this is because of the added steps and processes required to safely send your money abroad and convert it into your selected currency. Wire transfer fees can include:

US bank international wire transfer fees

US domestic wire transfer fees

UK bank international wire transfer fees

Things to consider with wire transfer fees:

When thinking about the various wire transfer fees associated with each individual bank, below are a few key factors that may influence your decision:

Incoming vs outgoing transfer fees

As you can see above, most banks have different fees depending on if you are receiving an international money transfer, or sending money abroad. Most banks will charge less if you are receiving an international payment than if you are sending one, but it’s also worth considering any fees your recipient may have to pay when organising your wire transfer.

How you are initiating your transfer

Most banks charge higher fees when you are sending an international transfer by telephone or in a branch compared to initiating the transfer online, so this is definitely something to look into with your bank to make sure you’re not being charged higher fees than necessary.

Regular vs one-off transfers

If you have the option to either send one large sum, or break it down into several smaller transactions across the year, it’s a good idea to find out what transaction will be associated with higher fees.

Some banks, for example, charge low or no wire transfer fees for small transactions, while for others, sending one large sum will end up cheaper overall. It’s also important to consider the exchange rate markup your bank charges when considering this.

Additional costs

In addition to transfer fees, most banks will add a markup on to the exchange rate when sending your money internationally (sometimes known as the hidden fee). This markup can make a huge difference to the total amount your recipient receives after you transfer, so is worth paying attention to when looking at the best wire transfer fee for you.

The best way to avoid a high markup on the exchange rate is to use a non-bank institution such as the transfer providers listed in the next section. This companies tend to offer far more competitive exchange rates and lower fees than traditional banks.

How can I reduce transfer fees when sending money abroad?

Traditional banks tend to have much higher wire transfer fees when sending money internationally, compared with online money transfer providers such as WorldRemit, Azimo, and Wise. However, we’ve put together a guide to the best way to wire money incase you absolutely need to use your bank.

These transfer operators have a digital-led focus that allows you to send money internationally for more competitive exchange rates, lower fees, and in a shorter space of time, so are well worth considering if you are looking to send money abroad.

Other ways of cutting the cost of your wire transfer:

Wire transfer fees: Bank vs money transfer provider

Let’s compare sending £1,000 to Australia (Australian Dollars) with a popular UK bank, HSBC, and a money transfer provider, WorldRemit, to give you an idea of the wire transfer fees included with each.

Transfer fee: £4

Additional fees: HSBC also adds a margin on the interbank exchange rate when sending your money abroad. This markup is not explicitly explained by HSBC, likely because it changes depending on where you are sending money to and how much, but it is generally agreed that most banks add a markup between 4 – 6% on the mid-market rate.

Transfer fee: £1.99

Additional fees: WorldRemit also adds a markup onto the mid-market exchange rate, but this tends to be around 1 – 1.5%, so much lower than a traditional bank.

As we can see from this case study, an online money transfer provider will almost always have fewer fees than sending money abroad with a traditional bank, not to mention a much smaller markup on the exchange rate.

Although wire transfers via your bank may be a convenient way of sending money internationally, it is rarely the most cost-effective method.

Bottom line: save money on wire transfer fees

Banks provide a secure and convenient way to send money both within the UK and internationally to friends, family, and businesses. However, you’ll almost always find a cheaper (and faster) way to transfer money with a money transfer operator. If safety is your concern, make sure to check our guide: are bank transfers safe?

It’s worth keeping in mind that there are multiple ways for you to keep your money to it’s destination these days, and all of those methods will have different fees, exchange rates, and transfer times. For this reason, taking the time to compare your options is always a good idea to make sure you find the right service for your needs.

A wire transfer with your bank will typically take between 1 – 5 working days to process, although this depends on the currency you are converting to, time zone differences, and what time of the day you initiate your transfer.

If you’d like to make an international transfer, read our guide covering how long do international bank transfers take.

A wire transfer and a bank transfer are both means of electronically moving money from one account to another.

The two terms are relatively interchangeable, but although a bank transfer is essentially a wire transfer, wire transfers can also be processed by non-bank institutions.

Money transfer providers are also able to initiate wire transfers from bank account to bank account, electronically moving your money internationally within 1 – 5 working days.

In some cases you might need to provide a SWIFT code to make the transfer using your bank or money transfer provider. Use our SWIFT calculator to find all the details you might need.

The cheapest wire transfer fees for you will really depend on the specifics of your transfer needs. The sum you are sending, the currencies you are converting between, your payment method, and of course, the provider you choose, can all have a big effect on how much you end up paying.

Источник

Wire fee что это

Have you ever needed to send money to another country? If you have, you probably had a ton of questions. How fast will it arrive? How safe is the transaction?

More often than not, the most important question involves fees: how much is it going to cost me? No person or company ever wanted to lose money because of a simple transfer of funds.

These questions and concerns are changing the way we understand international wire transfers.

Financial technology companies are stepping up to the plate and are not only optimizing the international wiring process, but are making it more affordable through technology.

If you’re trying to figure out how much it costs to wire money internationally and what services treat your wallet better, you’ve come to the right place.

But first, let’s tie-down the terminology.

What’s an International Wire Transfer?

An international wire transfer is a sum of money that’s transferred to another country. These transactions are processed electronically by bank and nonbank parties.

They’re often the preferred method of transferring funds (over a cashier’s check or shipping cash) as they claim to offer higher security, accountability, and stronger infrastructure backing their transit.

These transfers are typically carried out between businesses, customer to business, or person to person.

Processing speed depends on the service you use. Seeing the money leave and enter a new account can take from same day to nearly a week.

Traditionally, the fastest wire transfers are usually the priciest.

But, companies are innovating the space to make international transfers faster, while keeping prices low.

What is the traditional way to transfer money internationally?

Established in 1977, SWIFT (the Society for Worldwide Interbank Financial Telecommunications) serves as the primary network for international banks to communicate.

SWIFT brought banks and credit unions together beneath its worldwide umbrella in the hopes of standardizing the money transfer process. When it was first introduced, the system revolutionized international transfers.

However, SWIFT was designed solely as a messenger service. Each bank in the network is given a specific SWIFT code. This code, alongside the bank account and routing number, is what banks use to identify the recipient of a transfer.

SWIFT wasn’t designed for accountability or security, just banking convenience.

While SWIFT still works, tech-driven companies are emerging as serious competitors to traditional banks. Technology is driving out the old and making way for the new, to the benefit of anyone sending money internationally.

SWIFT just can’t keep up.

Why is SWIFT important when discussing international wire transfer fees?

It’s important to address SWIFT when discussing international wire transfer fees because of its lack of intuition.

Every big bank and most credible financial establishments use SWIFT. If you’re transferring money online using a bank, chances are it’s traveling through the SWIFT network. Even if you don’t transfer through a bank, you may be using the network.

Banks are notorious for having the highest fees and slowest deliveries when it comes to international transfers. But, there are some exceptions, and many still believe their bank to be the safest way to transfer funds internationally.

But, SWIFT has no end-to-end relationship.

No one monitors the transfer from one end to another. No one provides real-time updates on the status of the transfer, insures the funds, or avoids data losses.

Using this network, you’re probably paying the highest fees for a hands-off, insecure, and unintuitive service.

SWIFT is the not the cheapest way to send money overseas. There are better ways.

If you’re sending money from your bank to the same exact bank overseas, then you might as well send your payments this way. But, odds are your recipient doesn’t use your bank. In this case, you’re losing money by transferring through your bank

For international wire transfers, you don’t get what you pay for. You get less.

Things to Know About Fees before Making an International Wire

First, Watch For Exchange Rates

Exchange rates are at the center of international wire transfers. The exchange rate from one currency to another isn’t the same across every institution. Banks often increase their profit or margin this way – not with ‘fees,’ but with their currency exchange rate.

In fact, Wells Fargo was recently accused of overcharging clients on foreign exchange rates. The bank incentivizes employees to charge more, telling clients who complained that it was out of their hands.

Wells Fargo was recently accused of overcharging clients on foreign exchange rates. The bank incentivizes employees to charge more, telling clients who complained that it was out of their hands

It goes something like this: a bank charges a fixed fee—attractive at first glance—but their exchange rate and fee will be a lot weaker than other services. Your differential will end up immensely higher than you expected because of the currency conversion. In other words, you end up sending much less money than you meant to.

These are what we call ‘hidden fees:’ Weak exchange rates and commissions built into the transfer process.

‘Hidden fees:’ Weak exchange rates and commissions built into the transfer process

Even worse, the fees aren’t only charged to the sender. The recipient often has to pay as well.

The receiver may even ask for compensation for the fee they’re asked to pay, adding even more expenses to what should be a simple wire transfer.

Know Where You’re Sending

Depending on which country you’re sending to, it may cost significantly more to transfer funds. Take Africa as an example. International transfers cost 3% above the global average, according to the World Bank

International transfers cost 3% above the global average, according to the World Bank

It’s important to know if the location in which you’re sending money lacks economic or banking infrastructures, as it may cost you more to transfer funds there.

As well, many other factors including amount of remittances and a country’s participation in global trade greatly affect the cost of wire transfers.

Volume of Money

The amount of money you send greatly affects what you’re charged. The lower the amount, the higher the commission. The more you send, the less you’re charged. It sounds odd, but it makes sense to reward you for sending more money.

Make sure that the amount you’re sending is worth it. More money is almost always better, as it can seem like a drop in the bucket that is your transfer.

What are the general fees involved with international wires?

BANKS

Charges vary depending on the bank, and can be waived for certain accounts.

Don’t worry. There’s a cost breakdown at the end of the article.

Regardless of the fees, around 80% of international wire transfers are handled by bigger banks.

They’re capitalizing on their own complexity. While they may waive fees, their exchange rates might be more difficult to understand, and therefore worse than you thought.

While banks are not thought to be the most expensive option, being that they handle most of the world’s volume, they’re definitely not the cheapest way to send money internationally.

If you’re not careful about the fine print or the exchange rate, they can end up with a 15% margin of your transferred funds. However much your sending, that’s too much.

SWIFT Tracing Fee

The tracing fee that SWIFT requires to track your funds is also important to consider.

There are multiple people/institutions involved with SWIFT’s process of shipping a wire. So, they don’t offer an intuitive or thorough method to track your money. If you want to know exactly how your funds have travelled (and in whose hands), you’ll have to pay a tracing fee.

SWIFT will then retrace their steps to see where your wire went (this can only be done in retro, or after your payment has traveled through an institution and been logged).

But, simply to see where your money’s going and how it’ll get there, not only will you have to pay for it, you aren’t even able to track it in real-time.

The SWIFT network is out of date. Transfers are often lost, and the fees charged don’t even cover these losses.

Only after the story was publicized did her bank step in and do their part to return her money. Does that sound efficient, secure, and cost-effective to you? Us neither.

Transfer Operators

One of the fastest methods to transfer money internationally is also the most expensive.

You might know these Transfer Operators by the names of MoneyGram or Western Union.

These services can drop cash at hundreds of locations worldwide, overnighting large volumes of money, and completely ignoring bank accounts to deliver directly to the recipient. Sounds pretty good so far, right?

Their fees are typically calculated by assessing the distance the funds have to travel, the amount, and the speed in which their sender wants them to land.

But, the the initial cost of a transfer isn’t what makes these transfers expensive, it’s poor exchange rates. No matter what criteria you fall in, you can expect to lose 8-15% of your transfer by using these services.

While they do avoid the issues of big banks and directly connect the sender and receiver, transfer operators just cost too much, especially when sending large sums of money.

New Payment Technology Platforms

To avoid all these issues with international transfers, tech-driven platforms are taking the reins.

Companies like Veem are using multi-rail technology to ensure further security and tracking functionality for international payments, with no hidden fees.

As companies like Veem continue to develop and evolve, they gain popularity.

Fintech companies have become the fastest and cheapest way to send money.

As technology progresses, unbanked networks will continue to expand.

As of now, companies like Veem can offer transfers between over 60 countries. And they do it without charging a transfer fee – for both the sender and receiver.

Summary of Options To Send Money Internationally:

BANKS

Transfer Operators

Payment Technology Platforms

Cost Breakdown

To put it into perspective, here’s a quick comparison of pricing between big banks, transfer operators, and payment platforms (tech-based non-bank.)

Banks

Wells Fargo

While there’s no set price for exchange rates or volume of currency, it’s a rule of thumb that when wires travel through SWIFT’s network, the margin lost is usually somewhere between 4-8%.

Transfer Operators

There are no absolutes when it comes to Transfer Operator fees. They’re based on method of payment, speed of delivery, if it’s cash to a location or a wire between banks, and the origin of the funds versus its destination.

No matter the overt fees accrued, it’s the exchange rates that often take the most money with transfer operators.

Multi-Rail Solutions

Innovative technology payment platforms are more transparent in their pricing and thus are much more competitive. When it comes to getting you the most economical solution to sending and receiving money abroad, these companies are the way to go.

International Wire Fees

As you’d expect, international wire fees vary by service. From traditional methods to new age nonbank intermediaries, fees are inevitable. With a whole gamut of alternative services, however, you’re no longer pigeonholed into using banks or transfer operators.

The key is to learn the ins and outs of each service, and decide what’s best for you.

In today’s global world, there’s no reason to pay more than you need to.

Источник