Move money across borders for less.
Closing on U.S. real estate from overseas means currency conversion, wire fees, and timing risk. Our funds-transfer partner gives foreign national and international investors a faster, cheaper way to send USD for deposits, closing, and ongoing property cash flow.
At a glance
- Transfer fee
- From 0.43%
- Currencies
- 50+
- U.S. arrival
- Hours
Everything an investor deal needs
Closing wires
Send USD directly to the title or escrow account so your closing stays on schedule.
Currency conversion
Convert at the mid-market exchange rate with no hidden markup on foreign capital.
Multi-currency account
Hold 40+ currencies and receive local-account details in major markets.
Deposit transfers
Wire earnest-money and option deposits quickly while exchange rates are locked.
Rental cash flow
Receive rents in USD and repatriate or spend internationally without double conversion.
Contractor payments
Pay U.S. vendors, property managers, and contractors from the same account.
Why it matters for your loan
- Lenders and title companies require good funds in U.S. dollars before closing.
- Bank wire delays or currency holds can push your closing date.
- Lower fees preserve more equity for the next deal.
- Transparent exchange rates make it easier to budget total cash-to-close.
- A multi-currency account simplifies ongoing cash flow on foreign-owned rentals.
- Wise is licensed and regulated in the U.S. and major global markets.
Three steps to close
Create your account
Sign up through our referral link and verify your identity in minutes.
Add or convert funds
Fund by bank transfer, debit, or card, then convert to USD at the real exchange rate.
Send to close
Wire USD to the title company or escrow account and keep the confirmation for your lender.
Common questions
Can I use Wise to send closing funds from overseas?
Yes. Wise lets you convert foreign currency and send USD directly to the title company or escrow account, usually with lower fees and better exchange rates than a traditional bank wire.
Is Wise safe for large real estate transactions?
Wise is regulated as a money transmitter in the U.S. and holds funds in segregated accounts. Many foreign national investors use it for deposits, closing wires, and recurring property cash flow.
How fast do transfers arrive?
Most transfers to U.S. bank accounts arrive within hours to one business day, depending on the funding method and currency route.
What currencies are supported?
Wise supports dozens of currencies including EUR, GBP, CAD, AUD, ILS, CHF, and many others — useful for Canadian, Israeli, European, and other international investors.
Do I need a U.S. bank account to receive funds?
No. You can hold, convert, and send USD from your Wise account even if you do not have a U.S. bank account, though most closings ultimately wire USD into the title company's U.S. escrow account.
Pair it with the right loan
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