Why does sending money to Wise show a US bank recipient address?
Transfer instructions often confuse users by listing a domestic bank address as the recipient when funding through services like Wise, leading them to accidentally select expensive wire transfers instead of ACH options. This lack of clarity leaves people questioning if their transfer steps are correct and whether their money is going to the right place.
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
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Why does sending money to Wise show a US bank recipient address?
- 1Selecting ACH payment instead of wire transferDid this help you?
- 2Logging into the Wise app to check Account Details and unique routing and account numbersDid this help you?
- 3Transferring funds directly from Bank of America to the external bankDid this help you?
- 4giving cash in weekly increments rather than a lump sumDid this help you?
- 5adding them as authorized users on a credit card with spending limitsDid this help you?
- 6sharing account login details for online shoppingDid this help you?
- 7sending money via electronic transferDid this help you?
- 8Asking questions on online forums for reassuranceDid this help you?
- 9Searching online or reading broker documentationDid this help you?
In their words
Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.
“I’m trying to set up a transfer from Bank A (USA bank, Bank of America) to bank B (Canadian bank). Step one is send money from Bank A to wise. The recipient address is Bank of America, but I use Bank of America to send money TO wise, why is is the recipient address?. It’s not a wise address? Does this sound correct?”source ↗
“I noticed I did select “wire” instead of “ACH” when it gave me the option. Maybe I should’ve selected ACH and that recipient bank would pop up?”source ↗
“Under “how would you like to pay”, you can select “wire transfer” or “connected US bank account ACH”. I selected wire transfer and that’s how it generated this account number for me to wire money to.”source ↗
“I'm assuming they don't have a US bank? If not, then cash.”source ↗
“so I created a roth a few months ago, initially "transferring" parts of my paycheck to it. I thought I was doing everything right, but now I'm wondering: am I supposed to be "depositing" them instead?”source ↗
“google is making me confused...”source ↗
“why do they make them separate options, it's so confusing :(((((”source ↗
Where this came up
People with this problem also raised
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- 5How to avoid automatic currency conversion on withdrawals
- 6How do you avoid getting burned by bank sign-up bonuses?