URL: https://exchangesteps.com/send-money-from-usa-to-egypt
Updated: 2026-10-25
Sources: https://wise.com/us/send-money/send-money-to-egypt , https://wise.com/help/articles/2932150/guide-to-usd-transfers , https://wise.com/help/articles/2932148/guide-to-gbp-transfers , https://wise.com/ca/send-money/send-money-to-egypt , https://wise.com/help/articles/2932153/guide-to-cad-transfers , https://wise.com/help/articles/2973523/paying-for-a-transfer-with-apple-or-google-pay , https://wise.com/help/articles/2932365/guide-to-egp-transfers , https://api.wise.com/v1/account-requirements?source=USD&target=EGP&sourceAmount=1000 , https://api.wise.com/v1/account-requirements?source=CAD&target=EGP&sourceAmount=1000 , https://wise.com/help/articles/3xConsbhr7buWkQuqDEQ5V/how-do-i-verify-my-country-of-residence

# How to Send Money to Egypt from the USA with Wise

> **Quick answer**
> - From the US you pay **in dollars** from a US bank (ACH or wire) or by card, and Wise pays **Egyptian pounds** into a bank account in Egypt using the IBAN.
> - **One difference from Europe:** when you pay in USD, Wise asks for **your recipient's address in Egypt** (country, city, street address and post code) as well as the IBAN.
> - An ACH debit was cheaper than a wire or a card in Wise's table, but it can take up to 4 working days to reach Wise.
> - **No Vodafone Cash.** A bank account in Egypt only.
>
> **[Open your Wise account →]**

This page covers what's specific to people living in the US, then two short sections for the UK and Canada. The transfer screens are in [how to send money with Wise](https://exchangesteps.com/how-to-send-money-with-wise), and the Egyptian IBAN and limit in [send money to Egypt with Wise](https://exchangesteps.com/wise-send-money-to-egypt).

## How to send money to Egypt from USA online: paying in dollars

| Method | Time to reach Wise | Limit Wise lists |
|---|---|---|
| **ACH bank debit (Direct Debit)** | 0-4 working days | 50,000 USD per 24 hours |
| **ACH bank transfer** | 0-4 working days | |
| **Wire transfer** | Same day or next day | |
| **Debit or credit card** | 0-30 minutes | 2,000 USD per 24 hours and 8,000 USD per 7 days |
| **Apple Pay / Google Pay** | | 2,000 USD per day and 8,000 USD per week |
| **Wise balance** | Instant | |

The cap for one USD transfer is 1,000,000 USD.

US rules from Wise's USD guide:

- **No Swift.** "If your account address is located in the US, you can't pay for your USD transfer via Swift."
- **Your state matters.** The card and ACH limits above apply if your address is in a licensed state. In **Nevada**, American Samoa and the Mariana Islands, personal accounts get 10,000 USD per 24 hours by ACH and **can't pay by card**.
- **Your bank's wire fee.** Wise says most banks charge 15-30 USD for a domestic wire. That's your bank's fee, and it's why ACH is the usual choice when you aren't in a hurry.
- **Your own account.** Wise doesn't accept money from someone else's account.

**Fees:** on 25 October 2026, Wise's US table for a 1,000 USD example ranked the methods like this, cheapest first: Wise balance, Direct debit (ACH), Bank transfer, debit card, Apple Pay and Google Pay, then credit card. The page also says Wise discounts its fee above 25,000 USD. We don't print the amounts because they change, and Wise shows the full cost **before you confirm**. More in [Wise fees explained](https://exchangesteps.com/wise-fees).

**Timing:** in the same example, the page showed "in 4 hours" for ACH, card and Apple Pay, and "by Monday" for a bank transfer. Once Wise has your money, EGP usually arrives the same working day, according to Wise's EGP guide.

## Your family's details: IBAN and address

This is what Wise's form asks for when you pay in USD and choose EGP:

| Field | Required? |
|---|---|
| **Recipient type** (person or business) | Yes |
| **IBAN** (29 characters, starts with EG) | Yes |
| **Bank code (BIC/SWIFT)** | No |
| **Country**, **City** | Yes |
| **Recipient address** | Yes |
| **Post code** | Yes |

Ask your family for their address and post code along with the IBAN before you start. Wise's USD guide says the same thing: when you send from USD, you need your recipient's full address for any transfer.

## Vodafone Cash from the US?

No. Wise doesn't pay to Vodafone Cash or InstaPay, and there's no cash pickup. The pounds go to **an Egyptian bank account**; after that, the account holder can move them to a wallet through their bank.

## The residence document in the US

With an Egyptian passport and a US address, Wise may ask for a US document that proves your right to live there. According to Wise, a **valid residence permit card** (such as a Green Card) or a **visa valid for more than 90 days** works; a tourist visa, an application or a driving licence doesn't. Upload it through the banner in your account; until it's checked, you may not be able to send. Details in [Wise verification](https://exchangesteps.com/wise-identity-verification).

## Send money to Egypt from UK: paying in pounds

From the UK you pay **in pounds sterling** (GBP):

- **Ways to pay:** Wise balance, bank transfer (Faster Payments, Bacs, CHAPS), debit or credit card, Apple Pay and Google Pay. **No cheques or cash.**
- **Speed:** a bank transfer "usually takes seconds" to reach Wise, rarely up to 1 working day.
- **Limits:** up to 20 million GBP per transfer (lower by card), and 10,000 GBP per Apple Pay or Google Pay payment.
- **Recipient form:** paying in GBP, Wise asks only for the recipient type and IBAN, no address, and there's an Email option.
- **Residence:** if your UK status is an eVisa, Wise accepts it, together with your immigration **share code**.

## Send money to Egypt from Canada

From Canada you pay **in Canadian dollars** (CAD), and the money must come **from a bank in Canada**. Wise doesn't accept CAD by Swift.

| Method | Limit Wise lists |
|---|---|
| **Interac e-Transfer** | 25,000 CAD (your bank may set a lower limit) |
| **Direct debit (EFT)** | 9,500 CAD per day and 30,000 CAD per week |
| **Debit or credit card** | 3,000 CAD per transfer |
| **Online bill payment or wire** | 1.5 million CAD |

- **Speed:** "It usually takes 1-3 working days" for the money to reach Wise. On Sunday 25 October 2026, Wise's Canadian page showed "Arrives by Tuesday".
- **Occupation:** Wise asks Canadian residents to pick their occupation from a list when setting up the transfer.
- **Recipient form:** as with USD, Wise asks for your family's address in Egypt (country, city, street address, post code) with the IBAN.
- **Fee discount:** above 35,000 CAD, according to Wise's page.

## Steps in short

1. Open your account through **[our link]** with your US, UK or Canadian address: [create a Wise account](https://exchangesteps.com/how-to-create-wise-account).
2. Tap **[Send]**, add the recipient and choose **EGP**.
3. Enter the name and IBAN, plus the address if you pay in USD or CAD.
4. Enter the amount, review, choose how to pay and pay from an account in your name.

## FAQ

**How long does it take to send money from the US to Egypt?**
Getting your dollars to Wise depends on how you pay: minutes by card, same or next day by wire, up to 4 working days by ACH. After that, EGP usually arrives the same working day, according to Wise.

**Why does Wise want my family's address?**
Wise's USD guide says you need your recipient's full address when you send from USD. On the USD to EGP form, country, city, street address and post code are required fields.

**Can I pay by card from Nevada?**
No. According to Wise, accounts with a Nevada address can't pay by card, and ACH is capped at 10,000 USD per 24 hours.

**Does my family need a Wise account?**
No. An Egyptian bank account, its IBAN and the holder's full name, plus their address if you pay in USD.

## Get started

**[Open your Wise account →]**

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*Last updated: 25 October 2026 · All facts from the official Wise pages listed above.*