Relay's Local Network sends international wires in EUR, GBP, CAD, or AUD over local payment rails at lower fees than a SWIFT wire.
What you need before you start
Before you send a Local Network wire, confirm you have:
International wires enabled on your Relay account
A saved payee with a physical address (PO Boxes are not accepted)
The payee's local banking details for the destination currency (IBAN, sort code, transit number, or BSB, depending on currency)
Enough USD in the source Relay checking account to cover the wire and the plan fee
A payment window inside 7:00 am to 6:00 pm ET, Monday to Friday, when non-USD FX conversion is available
What currencies and networks does Relay's Local Network support?
Relay's Local Network supports four currencies, each routed on that currency's local payment network.
Currency | Local network | Processing note |
EUR | SEPA Credit Transfer (SCT) | 2:00 pm UTC cutoff |
GBP | Faster Payments Service (FPS) | 24-hour processing |
CAD | Electronic Funds Transfer (EFT) | 4:00 pm UTC cutoff |
AUD | Direct Entry | 1:30 pm UTC cutoff |
For destinations outside these four currencies, use the SWIFT Network instead.
How much does a Local Network wire cost?
The per-wire fee depends on your Relay subscription plan.
Plan | Cost per Local Network wire |
Starter Plan | $5.00 USD |
Grow Plan | $3.00 USD |
Scale Plan | $1.50 USD |
How do I send a Local Network wire from the web?
Sign in to Relay on the web and follow these steps.
Go to Payments, then Send International Payment.
Choose International Wire (Local Rails) as the wire type.
Select an existing payee or add a new one with a physical address.
Choose the Relay checking account funding the wire.
Enter the amount in USD and select the target currency (EUR, GBP, CAD, or AUD).
Confirm the payment method and the payee's banking details.
Select the purpose code that describes the payment.
Add an optional memo for your records.
Review the summary and confirm the wire.
Relay customers can also navigate to their recent payment activity from the Payments dashboard and select “New Payment” from a previously sent transaction. This will start a new payment to the same payee associated with that transaction.
How do I send a Local Network wire from the Relay mobile app?
Open the Relay mobile app and follow these steps.
Tap Payments, then Send Payment.
Select an existing payee or add a new one.
Enter the amount and select the target currency.
Choose the source Relay checking account.
Choose International Wire (Local Rails) as the wire type.
Enter the payee's local banking details.
Select the purpose code that describes the payment.
Add an optional memo for your records.
Confirm and pay.
What banking details are required for each currency?
Each currency requires a specific set of local banking details, plus a cutoff time and a per-wire limit.
Currency | Required details | Cutoff (UTC) | Per-wire limit |
EUR | IBAN | 2:00 pm | €100,000 |
GBP | 6-digit sort code and 8-digit account number | 24-hour processing (Faster Payments) | £1,000,000 |
CAD | Institution number, transit number, and account number | 4:00 pm | $200,000 CAD |
AUD | 6-digit BSB and 3-to-9-digit account number | 1:30 pm | No limit |
Whose name appears on the wire?
The sender name depends on the destination currency.
EUR and GBP wires: Your business name displays as the sender.
CAD and AUD wires: Relay's banking partner displays as the sender.
Can I attach a bill or invoice to the wire?
Yes, you can upload a bill during payment initiation and Relay will extract the details automatically.
Relay auto-extracts vendor name, invoice number, line items, amounts, and dates from the uploaded bill. The extracted bill then moves into your Bills section for reconciliation.
Can I receive international wires through the Local Network?
Yes, receiving international wires via the Local Network is supported once receiving is activated on your Relay account.
Create a separate payee for each country and currency you receive in. For countries not covered by the Local Network, use SWIFT instead.
Common issues and how to fix them
Payee flagged for PO Box address. Update the payee to a physical street address; PO Boxes are not accepted for international wires.
Wire cannot be initiated outside business hours. Non-USD FX conversion runs Monday to Friday, 7:00 am to 6:00 pm ET. Schedule the wire inside that window.
Payee details rejected. Confirm you have the exact required fields for the destination currency (IBAN for EUR, sort code plus account number for GBP, institution plus transit plus account number for CAD, or BSB plus account number for AUD).
Amount exceeds the per-currency limit. Split the payment into multiple wires under the limit, or use the SWIFT Network for larger amounts.
Purpose code not listed. Choose the closest match; if none apply, contact the Customer Experience team before submitting.
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