---
title: "International transfers"
---
Use international transfers to send funds to [external accounts](/platform/accounts/overview#external-accounts). You can send funds either to a traditional bank account (global bank account recipient) or to a mobile money account (global mobile money recipient).

Unlike [external transfers](/platform/transfers/external-transfers), recipients get the funds in their local currency, regardless of the currency sent. For example, if you transfer USD to a Nigerian bank account, the recipient receives it in naira.

[Add a global bank account recipient](/platform/external-accounts/add-an-external-account#add-a-global-bank-account-recipient) or [add a global mobile money recipient](/platform/external-accounts/add-an-external-account#add-a-global-mobile-money-recipient)before you initiate the [transfer](/api-reference/transfer/post-v1-transfer) request. Then include the sender’s account id, customer id, and the recipient’s external account id in your request.

The `source` object contains the sender’s details, and the `destination` object contains the recipient’s details. Also, your transfer can be ACH or Wire transfer:

```bash title="international transfers request"
curl --request POST \
     --url https://api.gravv.xyz/v1/transfer \
     --header 'Api-Key: <API_KEY>' \
     --header 'Idempotency-Key: 979879887678789_attempt_1' \
     --header 'content-type: application/json' \
     --data '
{
  "source": {
    "source_type": "internal_account",
    "id": "b9c2cb0d-e09a-496f-8655-d8c4b7aaf2f8"
  },
  "destination": {
    "destination_type": "external_account",
    "id": "74943275-6874-41b4-bd71-13d6cf5ed802",
    "rail": "wire"
  },
  "amount": 1.5,
  "client_reference": "099283849s",
  "description": "Transfer Testing",
  "customer_id": "bb6c6022-f1d8-492f-80f0-7547134bb42f"
}
'
```

**USD SWIFT Payments: Supported Countries**

Gravv supports USD SWIFT payouts to 50+ countries across six regions. SWIFT transfers are processed through correspondent banking networks, enabling reliable USD delivery to beneficiary bank accounts worldwide.

Asia-Pacific

* JP – Japan
* KR – South Korea
* SG – Singapore
* TW – Taiwan
* TH – Thailand
* ID – Indonesia
* AU – Australia
* NZ – New Zealand

Americas

* US – United States
* MX – Mexico
* CL – Chile
* CO – Colombia
* AR – Argentina
* BR – Brazil

Africa

* NG – Nigeria
* ZA – South Africa
* KE – Kenya

Middle East

* SA – Saudi Arabia
* AE – United Arab Emirates
* IL – Israel
* TR – Turkey

Europe

* GB – United Kingdom
* AT – Austria
* BE – Belgium
* BG – Bulgaria
* HR – Croatia
* CY – Cyprus
* CZ – Czech Republic (Czechia)
* DK – Denmark
* EE – Estonia
* FI – Finland
* FR – France
* DE – Germany
* GR – Greece
* HU – Hungary
* IS – Iceland
* IE – Ireland
* IT – Italy
* LV – Latvia
* LI – Liechtenstein
* LT – Lithuania
* LU – Luxembourg
* MT – Malta
* NL – Netherlands
* NO – Norway
* PL – Poland
* PT – Portugal
* RO – Romania
* SK – Slovakia
* SI – Slovenia
* ES – Spain
* SE – Sweden

**Requirements**
To initiate a USD SWIFT payout, the following beneficiary details are typically required:

* Beneficiary name (must match the receiving bank account holder)
* SWIFT/BIC code of the receiving bank
* Account number or IBAN (IBAN required for European destinations)
* Beneficiary address (street, city, country)
* Bank name and address
* Purpose of payment (may be required for certain corridors)

**Note:** Some countries may require additional documentation or have specific regulatory requirements for inbound USD transfers. Refer to the corridor-specific guides or contact your account manager for details.

**Settlement & Processing**

* Processing time: 1 to 3 business days, depending on the destination country and intermediary banks involved.
* Cut-off time: SWIFT transfers submitted after the daily cut-off are processed on the next business day.
* Fees: Correspondent bank fees may apply in addition to Gravv's transfer fee. Refer to the Pricing page for details.