Relay has the ability to send payments using the Local Network for international wires. This option provides a cost-effective alternative to the Swift Network for specific currencies, offering lower fees while maintaining fast delivery times.
Before you start
Ensure International wires have been enabled for your account.
When sending your first international payment: Payments → Send International Payment → Select SWIFT or Local Rails → Accept Terms & Conditions & Select Enable.
Receiving: Sign in on desktop → Settings → International Wires Activation → Submit Application for Receiving International Wires.
You need a saved payee with a physical address (no PO Boxes).
Supported currencies: EUR, GBP, CAD, AUD.
FX window: Conversions to non-USD are available Mon–Fri, 7:00am–6:00pm ET. You can still send USD via SWIFT outside this window.
How to send (Web & Mobile)
On the web
Sign in to your Relay account in a web browser.
Go to the Payments tab.
Click on Send International Payment.
Select International Wire (local rails).
In Recipient (vendor), select an existing payee, or click + to add a new payee.
Select the Pay From Account.
Under Amount, select USD and choose the appropriate currency.
Enter the Amount.
Click Next Step.
Confirm the Payment Method and Payee Details.
Select a Purpose Code.
Enter the Memo.
Click Next step.
Confirm the payment details once more and select Pay.
Please Note: FX conversions to non-USD are available Monday–Friday, 7:00am–6:00pm ET.
On the mobile app
Open the Relay mobile app and sign in.
Go to Payments and tap Send Payment.
Select a recipient from your payees or add a New Payee (use a valid physical address).
Enter the payment Amount and choose the appropriate currency (if necessary).
Select the Source Account for the payment.
Choose International Wire (Local Rails)
Enter the Payee Personal Details and select Continue.
Select a Purpose Code for the transaction.
Enter the Memo.
Once you have confirmed the payment details, press Pay.
Please Note: FX conversions to non-USD are available Monday–Friday, 7:00am–6:00pm ET.
Fees (Local Network, per wire)
Starter | Grow | Scale |
|---|---|---|
$5.00 USD | $3.00 USD | $1.50 USD |
What the recipient’s bank sees (sender display)
Currencies | Displayed sender |
|---|---|
EUR, GBP | Your business (ultimate sender) is visible to the recipient’s bank. |
CAD, AUD | Ultimate sender isn’t shown; it appears as a banking partner. |
Per-currency details
Cutoff times are shown in UTC (guidelines, not guarantees) and are independent of FX conversion hours. Your account may also have transaction limits—see how to view your limits.
Tip: Click a box below to expand its details.
EUR European Union ▼ Click to expand
Requirements
Recipient name (or business name)
Full address
IBAN
Attribute | Details |
|---|---|
Payment networks | SEPA Credit Transfer (SCT); SEPA Instant Credit Transfer (SCT Inst.) |
Cutoff/processing | 2:00 pm UTC for SCT; 24-hour processing for SCT Inst. |
Max per payment | €100,000 (SCT); No limit for SCT Inst. (check beneficiary bank supports SCT Inst.) |
Sender display | Ultimate sender visible |
GBP United Kingdom ▼ Click to expand
Requirements
Recipient name (or business name)
Full UK address
Sort code (6)
Account number (8)
Attribute | Details |
|---|---|
Payment network | Faster Payments Service (FPS) |
Cutoff/processing | 24-hour processing |
Max per payment | £1,000,000 |
Sender display | Ultimate sender visible |
CAD Canada ▼ Click to expand
Requirements
Recipient name (or business name)
Full address
Institution (Bank) number
Transit (Branch) number
Account number
Routing example: 0 + 3-digit Institution + 5-digit Transit.
Attribute | Details |
|---|---|
Payment network | Electronic Funds Transfer (EFT) |
Cutoff/processing | 4:00 pm UTC |
Max per payment | $200,000 CAD |
Sender display | Shown as a banking partner |
AUD Australia ▼ Click to expand
Requirements
Recipient name (or business name)
Full address
BSB (6)
Account number (3–9)
Attribute | Details |
|---|---|
Payment network | Direct Entry |
Cutoff/processing | 1:30 pm UTC |
Max per payment | No limit |
Sender display | Shown as a banking partner |
Initiating a Bill Payment through your account's International Wire Payment Flow
You can take advantage of Relay's Bill Pay feature directly from your account's Send International Payment window! To upload, pay a bill via International Wire, and migrate a bill directly into the Bill Pay section of your account, simply follow the below steps:
Sign in to your Relay account.
Click on Payments and select your desired payment method.
Upload the bill file (PDF, image, or document). under the Have a bill handy? field.
Relay will auto-extract key information:
Vendor name
Invoice number
Line Items and Amount
Invoice Date and Due date
Review or edit the extracted fields and complete the Memo field.
Optional: Add accounting categorization (available for all plans)
Line Item Categorization (available in Grow & Scale).
Click Next Step.
Verify again the payment method, payee details, and payment date and select Next Step and Pay.
Your payment will be initiated and the bill will also migrate into your account's Bills section.
For more information, please see Getting Started with Bill Pay in Relay and Creating and Uploading Bills in Relay.
Frequently Asked Questions
Can I receive international wires via Local Network?
Yes. You can receive international wires via local rails when supported by the currency and region. For step-by-step instructions and account details, see Receiving an international wire.
Can I reuse one payee for multiple currencies?
Create a separate payee for each country/currency so the details match local rails.
What if my country isn’t listed?
Use the SWIFT network to send to additional countries/currencies (different fees and timing).
Payment security
Keeping your money and data safe is our top priority. For certain payments, you may be asked to verify with an SMS code as an added layer of security. Learn more: Verifying payments using SMS verification codes.
Note: The threshold that prompts 2FA SMS codes will soon be customizable.
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