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Payment rail · 180 countries

What is SWIFT?

Swift is the international messaging network banks use to send each other the payment instructions behind cross-border wire transfers; the money itself moves through banks and other financial institutions. Poplin pays out over SWIFT to 180 countries, settling within one to four business days at the latest.

Source: Swift (opens in a new tab)

Cost by countryHow a payout moves ↓

Updated · Reviewed by Joyce Chin, Chief Operating Officer & Compliance Officer

Which rail reaches…

Which rail reaches your recipient?

Destination country

A payout to Brazil clears fastest over

Pix

Real time

settles in real time · 0.95% + $1.00 on a business account

Also reaches BRL accounts over

TEDNext day0.95% + $1.00

Also reaches USD accounts over

SWIFT1–4 days0.5% + $35.00
How Pix works → Send to Brazil →

The recipient’s account details decide the rail — the fee is always shown before you send.

// at a glance

What the rail sets for a payout over SWIFT — and what Poplin charges to send.

Settlement

1–4 days

a ceiling, not the typical time

Reaches

180

countries

Paid out in

USD

US dollar

Business fee

0.5%

plus a $35.00 fixed fee

Clearing

International

cross-border clearing

Days are business days — a Saturday delays a same-day or next-day payout. These are ceilings, not typical times: within the window, how fast the money lands depends on the receiving bank.

// how it moves

How SWIFT payouts move.

From your US-dollar balance to the recipient’s account — four steps.

01

You send from USD

Enter an amount in your Poplin US-dollar account and confirm the payout — the full fee shows before you send.

02

Dollars stay dollars

SWIFT pays out in US dollars, so nothing converts — no rate, no markup.

03

Cleared over SWIFT

Poplin clears the payout over SWIFT, the global bank-wire network.

04

Arrives inside the window

SWIFT settles within one to four business days — a ceiling, not the typical time; how fast it lands depends on the receiving bank.

// coverage

Where SWIFT reaches.

Poplin reaches these 180 countries over SWIFT:

Sending somewhere else?

Each destination clears over its own set of rails. See the rail, speed, and fee for any destination — or the fee for every rail on one page.

All 55 rails → Cost by country → Fee schedule →

// related rails

Other schemes that can clear same or next day.

ACH EgyptSame dayBankgiro SwedenNext dayBEFTN BangladeshNext dayCCE PeruNext dayCERTIS CzechiaSame dayCFXPS ChinaSame dayCHAPS United KingdomSame dayDirect Entry AustraliaSame or next dayEFT CanadaNext dayElixir PolandSame dayIntradagclearing DenmarkSame dayNICS NorwaySame dayPESONet PhilippinesNext dayQPS QatarNext dayRTC South AfricaNext daySame Day ACH United StatesSame daySENT RomaniaSame daySIC SwitzerlandNext daySLIPS Sri LankaSame daySPI EcuadorSame dayStraksbetaling DenmarkSame dayTED BrazilNext dayTEF ChileNext dayWire United StatesSame dayZahav IsraelNext dayZengin JapanSame day

SWIFT — FAQ

Basics

What is SWIFT?

Swift is the international messaging network banks use to send each other the payment instructions behind cross-border wire transfers; the money itself moves through banks and other financial institutions. Poplin pays out over SWIFT to 180 countries, settling within one to four business days at the latest.

Speed

How long do SWIFT payouts take?

Over SWIFT, Poplin payouts settle within one to four business days. Payments leave your account in seconds; SWIFT then clears the payout to the recipient’s bank.

Cost

How much does it cost to send money over SWIFT with Poplin?

A percentage of the amount plus a $35.00 fixed fee — 0.5% on a business account and 1% on a personal account, shown in full before you send. SWIFT pays out in US dollars, so nothing converts at Poplin — no rate, no markup.

Coverage

Which countries does Poplin reach over SWIFT?

Poplin pays out over SWIFT to 180 countries: Albania, Algeria, American Samoa, Angola, Anguilla, Antarctica, Antigua & Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bosnia & Herzegovina, Botswana, Brazil, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Cayman Islands, Chad, Chile, China, Colombia, Comoros, Congo - Brazzaville, Congo - Kinshasa, Cook Islands, Côte d’Ivoire, Croatia, Cyprus, Czechia, Denmark, Djibouti, Dominica, Egypt, Equatorial Guinea, Eritrea, Estonia, Ethiopia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Hong Kong SAR China, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Japan, Kazakhstan, Kenya, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Macao SAR China, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Myanmar (Burma), Namibia, Nepal, Netherlands, New Zealand, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, Rwanda, Samoa, Saudi Arabia, Senegal, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Korea, Spain, Sri Lanka, St. Kitts & Nevis, St. Lucia, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Thailand, Togo, Tonga, Trinidad & Tobago, Tunisia, Türkiye, Turkmenistan, Turks & Caicos Islands, Tuvalu, U.S. Virgin Islands, Uganda, United Arab Emirates, United Kingdom, Uruguay, Uzbekistan, Vatican City, Vietnam, Western Sahara, Yemen, Zambia.

Send US dollars over SWIFT.

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