You can receive USD into your Vault by sending a SWIFT wire transfer from a supported non US bank account. Once received, your funds are converted to USDC and credited to your Vault.
You can also send USD via SWIFT from your Vault to supported bank accounts using the Send page.
Who can use SWIFT
Non US residents.
Any non US bank worldwide.
Currency must be sent in USD.
You may be required to complete additional verification before your USD virtual bank account is activated.
US banks are not supported. Even if you are not a US resident, a US based bank still cannot be used.
Processing time
Incoming SWIFT transfers(deposits) typically arrive within 1 to 3 business days. Once received, USD is converted to USDC and credited to your Vault within minutes.
Outgoing SWIFT transfers are typically processed within 1 to 3 business days, depending on the receiving bank.
Receive USD via SWIFT
Step 1 - Get your virtual bank details
Step 1 - Get your virtual bank details
Select SWIFT.
(Path: Vault → Add Funds → Bank → SWIFT)
Accept the Terms and Conditions to generate your personal virtual bank account.
💡 Please note: You may be asked to provide additional verification documents before your virtual account is activated. This is part of regulatory requirements.
Step 2 - Obtain your bank transfer details
Step 2 - Obtain your bank transfer details
After your virtual bank account has been approved, you'll receive your unique bank details, including:
Name
Bank name
Account number
SWIFT code
Country
Beneficiary address
Always enter these details exactly as displayed.
Sending an ACH or FedWire transfer using your SWIFT details will cause the transfer to be rejected.
Each field includes a copy button so you can easily copy and paste the information into your bank's wire transfer form.
Step 3 - Send the transfer
Step 3 - Send the transfer
Log in to your bank and initiate a USD SWIFT transfer using the details provided.
Save your transfer confirmation or reference number in case you need to follow up.
Send USD via SWIFT
Step 1
Step 1
Go to the Send page: https://www.ether.fi/app/cash/send
Step 2
Step 2
Add a recipient
Create a new recipient or select an existing recipient.
Step 3
Step 3
Select SWIFT and fill in your recipient details.
Step 4
Step 4
Complete your transfer
Review the transfer details and confirm your transaction.
Fees
SWIFT transfers include:
SWIFT transfers include:
20.00 USD fixed fee
0.10% variable fee
💡Example
If you send 1,000 USD:
20.00 USD fixed fee
1.00 USD variable fee
Total fees: 21.00 USD
You receive approximately 979.00 USDC.
Your own bank or intermediary banks may also charge outgoing or processing fees.
Third party transfers
If funds are sent from a bank account that is not in your name:
If funds are sent from a bank account that is not in your name:
Under 500 USD → processed automatically
500 USD and above → first transfer triggers a Request for Information email. You may be asked to confirm source of funds.
After the first successful review, future transfers from the same sender usually go through without additional review.
Frequently asked questions
How long do SWIFT transfers take?
How long do SWIFT transfers take?
Incoming SWIFT transfers typically arrive within 1 to 3 business days. Once received, your funds are converted to USDC and credited to your Vault within minutes.
Outgoing SWIFT transfers are typically completed within 1 to 3 business days, depending on the receiving bank.
Why did I receive less than what I sent?
Why did I receive less than what I sent?
Differences may be due to:
20.00 USD fixed fee.
0.10% variable fee.
Outgoing or intermediary bank wire fees charged by your bank.
Can I cancel a bank transfer after sent from my bank?
Can I cancel a bank transfer after sent from my bank?
No. Once your bank sends the wire, it cannot be recalled.
If it fails, funds return to your bank in 3 to 5 business days.
Can I withdraw funds back to my bank via SWIFT?
Can I withdraw funds back to my bank via SWIFT?
Yes. Your USD virtual bank account supports both incoming and outgoing SWIFT transfers to supported bank accounts.
Why was my deposit refunded
Why was my deposit refunded
Your transfer may be returned for one of the following reasons:
The transfer details were entered incorrectly.
The sending bank is not supported.
The name on the bank account does not match your account.
Additional verification was required but not completed.
Compliance or regulatory restrictions.
Incoming and outgoing SWIFT transfers are limited to two transfers per 24-hour period.
If a transfer is rejected, funds are typically returned to your bank within 3 to 5 business days.
Need help with anything else?
If you still have questions or run into any issues, reach out to our support team and we’ll be happy to assist you.