How Long Does It Take To Exchange Currency?

How Our Transfers Work

Select the currency that you want to send in to your CurrencyFair account (the currency you are converting from) and your transfer currency (the currency you are converting to) below to see the relevant process times and fees. The process times are estimates and may depend on your bank in some cases – we clear (move) your money in to your CurrencyFair account as soon as it arrives. It is quickest to send or transfer funds in the morning, as most banks have a cut-off time in the early afternoon, and transfers after that are not sent until the following day.

Quicker and easier than traditional international bank transfers.

Currencies that you can Send In to CurrencyFair
Currency Deposit method Estimated arrival time Our fee
AED
Bank Transfer 4 - 5 Days See notes
Our Emirati Dirham account is held in in London. Your bank will charge an international transfer fee as well as an intermediary fee when sending in money. Contact your bank for exact information on any applicable fees. Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
AUD
Bank Transfer or BPAY 1 - 2 Days Free
You can use BPAY as an alternative to bank transfer to send in money to your CurrencyFair account. It is not possible to send in Australian Dollars outside of Australia. Remember to include your CurrencyFair payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
CAD
Bank Transfer 2 - 3 Days See notes
CurrencyFair Canadian Dollar account is held in Dublin. Your bank will charge an international transfer fee when sending in money. There is also an intermediary bank which may deduct a fee. Contact your bank for exact information on any applicable fees. Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
CHF
Bank Transfer 1 - 3 Days None
Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
CZK
Bank Transfer 1 - 2 Days None
Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
DKK
Bank Transfer 1 - 2 Days None
Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
EUR
SEPA Credit Transfer or *Debit Card (Currently only available to Irish residents with an Irish issued debit card). 1 - 2 Days (CurrencyFair typically receives deposits within Irish working hours (09:00 - 17:00 GMT Monday to Friday)). Free
For payments originating outside the SEPA zone banks will charge an international transfer fee when sending in money. An intermediary bank fee may also apply. Contact your bank for exact information on any applicable fees. Remember to include your CurrencyFair payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
GBP
Faster Payments or CHAPS 0 - 1 Days Free
Remember to include your CurrencyFair payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
HKD
Bank Transfer 0 - 1 Day Free
Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
HUF
Bank Transfer 1 - 2 Days None
Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
NOK
Bank Transfer 1 - 3 Days None
Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
NZD
International Wire & Transfer* 1 - 2 Days See notes
* Ensure that you inform your bank that you want the money sent in New Zealand Dollar - they must not exchange your funds. You may be charged an international transfer fee by your bank. An intermediary bank fee may also apply. Contact your bank for exact information on any applicable fees.
PLN
Bank Transfer 1 - 2 Days None
Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
SEK
Bank Transfer 1 - 2 Days None
Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
SGD
Bank Transfer 0 - 1 Day Free
Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
USD
Bank Transfer 1 - 2 Days Free
The CurrencyFair United States Dollar account is held in the United States. You can deposit USD using ACH, Wire and SWIFT. Process times will vary depending on the method of transfer used. International bank transfers may attract additional intermediary fees.
ZAR
Bank Transfer 1 - 2 Days See notes
Our South African Rand account is held in in London. Your bank will charge an international transfer fee as well as an intermediary fee when sending in money. Contact your bank for exact information on any applicable fees. Due to currency control restrictions placed by the Reserve Bank of South Africa we cannot receive South African Rand into our off-shore South African Rand account unless you gain an exemption.You should contact your bank for further information. Remember to include your CurrencyFair ID as payment reference when sending in money from your bank account to ensure faster settlement of money into your CurrencyFair account.
Currencies that you can Send In to CurrencyFair
AED
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
4 – 5 Days
OUR FEE
See notes

AUD
DEPOSIT TYPE
Bank Transfer or BPAY
ESTIMATED DELIVERY TIME
1 – 2 Days
OUR FEE
Free

CAD
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
2 – 3 Days
OUR FEE
See notes

CHF
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 – 3 Days
OUR FEE
None

CZK
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 – 2 Days
OUR FEE
None

DKK
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 – 2 Days
OUR FEE
None

EUR
DEPOSIT TYPE
SEPA Credit Transfer or *Debit Card (Currently only available to Irish residents with an Irish issued debit card).
ESTIMATED DELIVERY TIME
1 – 2 Days (CurrencyFair typically receives deposits within Irish working hours (09:00 - 17:00 GMT Monday to Friday)).
OUR FEE
Free

GBP
DEPOSIT TYPE
Faster Payments or CHAPS
ESTIMATED DELIVERY TIME
0 – 1 Days
OUR FEE
Free

HKD
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
0 – 1 Day
OUR FEE
Free

HUF
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 – 2 Days
OUR FEE
None

NOK
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 – 3 Days
OUR FEE
None

NZD
DEPOSIT TYPE
International Wire & Transfer
ESTIMATED DELIVERY TIME
1 – 2 Days
OUR FEE
See notes

PLN
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 – 2 Days
OUR FEE
None

SEK
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 – 2 Days
OUR FEE
None

SGD
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
0 – 1 Day
OUR FEE
Free

USD
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 – 2 Days
OUR FEE
Free

ZAR
DEPOSIT TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 – 2 Days
OUR FEE
None

Currencies that you can Transfer Out of CurrencyFair
Currency Deposit Method Estimated arrival time Our fee
AED
Bank Transfer 1 Day AED 15
Note: The UAE working week runs Sunday to Thursday. Transfers out may take longer to process over the weekend. Transfers to AED accounts are made via SWIFT. Intermediary and receiving bank charges may apply, which may result in your beneficiary receiving less than you send. We advise completing your transfer before 21:30 Singapore time to avoid delays in processing.
AUD
Bank Transfer 1 - 2 Days A$4.00
We advise completing your transfer before 15:30 Singapore time to avoid delays in processing.
CAD
Bank Transfer 2 Days C$4.00
We advise completing your transfer before 23:00 Singapore time to avoid delays in processing. Any CAD transfers outside of Canada may be subject to intermediary and beneficiary bank fees which are outside of our control.
CHF
Bank Transfer 0 - 1 Days F4.00
The CurrencyFair Swiss Franc account is held in Berne so all transfers within Switzerland are via normal domestic clearing. Any CHF transfers outside of Switzerland may be subject to intermediary and beneficiary bank fees which are outside of our control. We advise completing your transfer before 16:30 Singapore time to avoid delays in processing.
CZK
Bank Transfer 1 - 2 Days Kč75
We advise completing your transfer before 15:00 Singapore time to avoid delays in processing.
DKK
Bank Transfer 1 - 2 Days Kr25
We advise completing your transfer before 21:30 Singapore time to avoid delays in processing.
EUR
Bank Transfer 1 - 2 Days €3.00
For SEPA zone payments, the majority of banks do not charge. However, some banks may choose to apply a charge. Non SEPA zone Euro transfers are made via SWIFT. Intermediary and receiving bank charges may apply. For both SEPA zone and non SEPA zone payments, to avoid your beneficiary receiving less than you transfer we suggest you contact the receiving bank to see if they will charge for receiving your transfer from CurrencyFair.We advise completing your transfer before 21:30 Singapore time to avoid delays in processing.
GBP
Bank Transfer 0 - 1 Days £2.50
We advise completing your transfer before 21:30 Singapore time to avoid delays in processing.
HKD
Bank Transfer 3 - 4 Days HK$25.00
We advise completing your transfer before 21:00 Singapore time to avoid delays in processing.
HUF
Bank Transfer 1 - 2 Days Ft1000
We advise completing your transfer before 18:30 Singapore time to avoid delays in processing.
ILS
Bank Transfer 3 - 4 Days ILS40
Israeli Shekel transfers are made via wire transfer. Receiving bank charges may apply which may result in your beneficiary receiving less than you send.We suggest you contact the beneficary bank for more information on any applicable fees they may charge for receiving the transfer from CurrencyFair. We advise completing your transfer before 19:00 Singapore time to avoid delays in processing.
INR
Bank Transfer 0 - 1 Day ₹0
We advise completing your transfer before 18:30 Singapore time to avoid delays in processing.
NOK
Bank Transfer 1 - 3 Days kr25
We advise completing your transfer before 19:30 Singapore time to avoid delays in processing.
NZD
Bank Transfer 2 Days NZ$5.00
We advise completing your transfer before 23:00 Singapore time to avoid delays in processing.
PLN
Bank Transfer 0 - 1 Days 10 zł
We advise completing your transfer before 19:00 Singapore time to avoid delays in processing.
SEK
Bank Transfer 1 - 2 Days Kr30
We advise completing your transfer before 17:30 Singapore time to avoid delays in processing.
SGD
Bank Transfer 3 - 4 Days S$5.00
*Larger transfers may take slightly longer to process.We advise completing your transfer before 20:00 Singapore time to avoid delays in processing.
THB
Bank Transfer 3 - 4 Days ฿0
Our advice for transferring out this currency: We advise completing your transfer before 07:00 Dublin/London time to avoid delays in processing.
USD
Bank Transfer 1 - 2 Days US$4.00
The majority of banks do not charge for receiving transfers via local ACH. However, some banks may choose to apply a charge.To avoid your beneficiary receiving less than you transfer we suggest you contact the beneficiary bank to see if they will charge for receiving your transfer from CurrencyFair.

For customers transferring funds to beneficiaries in the US, we advise completing your transfer before 04:30 Singapore time to avoid delays in processing.

For customers transferring funds to non-US beneficiaries, we advise completing your transfer before 17:00 Singapore time to avoid delays in processing.
ZAR
Bank Transfer 1 - 2 Days R25
South African Rand transfers are made via SWIFT. Intermediary and receiving bank charges may apply, which may result in your beneficiary receiving less than you send.We suggest you contact the beneficary bank for more information on any applicable fees they may charge for receiving the transfer from CurrencyFair. We advise completing your transfer before 19:00 Singapore time to avoid delays in processing.
Currencies that you can Transfer Out of CurrencyFair
AED
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 Day
OUR FEE
AED15

AUD
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 - 2 Days
OUR FEE
A$4.00

CAD
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
2 Days
OUR FEE
C$4.00

CHF
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
0 - 1 Days
OUR FEE
F4.00

CZK
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 - 2 Days
OUR FEE
Kč75

DKK
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 - 2 Days
OUR FEE
Kr25

EUR
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 - 2 Days
OUR FEE
€3.00

GBP
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
0 - 1 Days
OUR FEE
£2.50

HKD
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
3 - 4 Days
OUR FEE
HK$25.00

HUF
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 - 2 Days
OUR FEE
Ft1000

ILS
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
3 - 4 Days
OUR FEE
ILS40

INR
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
0 - 1 Day
OUR FEE
₹0

NOK
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 - 3 Days
OUR FEE
kr25

NZD
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
2 Days
OUR FEE
NZ$5.00

PLN
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
0 - 1 Days
OUR FEE
10 zł

SEK
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 - 2 Days
OUR FEE
Kr30

SGD
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
3 - 4 Days
OUR FEE
S$5.00

THB
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
3 - 4 Days
OUR FEE
฿0

USD
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 - 2 Days
OUR FEE
S$4.00

ZAR
TRANSFER TYPE
Bank Transfer
ESTIMATED DELIVERY TIME
1 - 2 Days
OUR FEE
R25