Ensure a Pay a Friend transfer is received in the exact local currency amount

When sending money outside the U.S., you can specify the exact amount you want your recipient to receive in their local currency.

To do this:

1. Go to Banking > Pay > Pay a friend (U.S. or abroad).
2. Select the country you want to send money to and explore available rates.
3. Enter your recipient’s details.
4. Enter the amount you want your recipient to receive in their local currency.
5. Review the payment details, including the U.S. dollar amount you’ll pay, exchange rate, and applicable fees.
6. Confirm and send your payment.

The recipient amount will remain fixed, while the U.S. dollar amount you pay may change based on exchange-rate fluctuations and the network fee. Before you send, the Review screen will show the recipient amount and the total amount you’ll pay.

The recipient’s bank or local regulations may apply additional fees or taxes, which could reduce the final amount deposited into their account.