How international students send money from home to the US

Most international students receive money in the US through a bank wire transfer from home, a trusted online money transfer service, or a family member sending funds to the student’s US bank account. The student gives their home sender the US bank details, the sender completes the transfer, and the money arrives in the student’s US account.

How the main methods work

• Bank wire transfer from home bank: The sender goes to their bank and sends money directly to the student’s US bank account. The student must provide: - US bank name - Routing number (used in the US for transfers) - Account number - Bank address - SWIFT code (international bank ID) Banks are secure but often slow and more expensive. Fees can come from the home bank, US bank, and intermediary banks.
• Online money transfer services: Examples include Wise, Remitly, WorldRemit, Xoom. They are usually cheaper and faster than banks. The sender creates an account, chooses amount and currency, enters the student’s US bank details, and pays by bank transfer, card, or wallet. Money normally lands in 1–3 days. Exchange rates are usually better than banks.
• Transfers to a US-based relative or friend: If the student has a trusted contact in the US, family can send money to that person, who then uses domestic transfers like Zelle. Only safe if the person is extremely trusted.

What students must prepare

• Open a US bank account quickly: Without it, money must be picked up in cash, which is risky and sometimes costly.
• Give accurate bank details: A typo in routing or account number can delay or misroute funds.
• Talk to the sender about fees: Some countries add taxes or high bank charges. Asking for a cost breakdown avoids surprises.
• Check transfer limits: Some services limit first-time sends. For tuition-size transfers, a bank wire may be required.
• Keep proof of funds: Transfers for tuition or living expenses can be asked for during future visa renewals or tax checks.

Realistic expectations

International transfers usually take 1–5 days, depending on the method and sender’s country. Delays happen often due to compliance checks, especially for large amounts. Using a known service, matching names exactly, and keeping receipts reduces problems.