URL: https://exchangesteps.com/wise-send-money-to-egypt
Updated: 2026-10-23
Sources: https://wise.com/help/articles/2932365/guide-to-egp-transfers , https://wise.com/gb/send-money/send-money-to-egypt , https://wise.com/gb/iban/egypt , https://wise.com/help/articles/2977959/how-do-i-send-money-with-wise , https://wise.com/help/articles/2522717/fees-for-sending-money , https://wise.com/help/articles/2amMyWoOyhgTL0CkDcY2m4/what-are-dynamic-charges , https://wise.com/help/articles/2559761/how-to-pay-by-bank-transfer , https://wise.com/help/articles/2556723/how-to-pay-by-card , https://wise.com/help/articles/2973523/paying-for-a-transfer-with-apple-or-google-pay , https://wise.com/help/articles/2932149/guide-to-eur-transfers , https://wise.com/help/articles/2932148/guide-to-gbp-transfers , https://wise.com/help/articles/2932338/guide-to-chf-transfers , https://wise.com/help/articles/2932150/guide-to-usd-transfers , https://wise.com/help/articles/2932153/guide-to-cad-transfers , https://wise.com/help/articles/2932342/guide-to-sek-transfers , https://wise.com/help/articles/3xConsbhr7buWkQuqDEQ5V/how-do-i-verify-my-country-of-residence , https://wise.com/help/articles/2977962/how-does-verification-affect-my-transfers-speed , https://wise.com/help/articles/2571907/what-currencies-can-i-send-to-and-from , https://wise.com/help/articles/2978019/why-do-i-need-to-prove-where-my-money-comes-from , https://wise.com/help/articles/2978077/paying-vat-for-the-uae , https://wise.com/help/articles/2v3OMcg97Z7gObSifJbjsu/understanding-wises-position-on-cryptocurrency

# How to Send Money to Egypt with Wise

> **Quick answer**
> - Wise sends **Egyptian pounds (EGP) to a bank account in Egypt**, personal or business. Your family only needs to give you their **full name and their 29-character IBAN** (it starts with EG).
> - Wise says EGP transfers **usually arrive on the same working day**, and you can send **up to 5 million EGP per transfer**.
> - You pay in your own currency: EUR, GBP, CHF, USD, CAD, SEK and others. Paying by bank transfer is usually the cheapest way.
> - **No Vodafone Cash, no InstaPay, no cash pickup.** The money goes to a bank account only.
>
> **[Open your Wise account →]**

## What your family receives in Egypt

| | |
|---|---|
| **Currency** | Egyptian pounds (EGP) |
| **Where it lands** | Any personal or business bank account in Egypt |
| **What you need** | Full name + 29-character Egyptian IBAN |
| **Limit** | Up to 5,000,000 EGP per transfer |
| **Speed (Wise's wording)** | "usually arrives … on the same working day"; the conversion can take up to 2 working days |
| **Not possible** | Charities and trust beneficiaries, mobile wallets, cash pickup |

When we checked Wise's Egypt page on 23 October 2026, a transfer paid in CHF showed the estimate "Today - in 5 hours". That is Wise's live estimate for that moment, not a promise.

If your family prefers dollars or euros in a foreign-currency account, Wise can also send **USD or EUR by Swift** to an Egyptian bank. That route is slower (up to 6 working days) and the receiving bank decides how it credits the money. For most families, EGP to the IBAN is the simple route.

## What you need from your family

When you add the recipient, Wise asks for these fields:

| Field in Wise | What to enter |
|---|---|
| **Recipient type** | Person or Business |
| **Full name** | The account holder's name, as the bank has it |
| **IBAN** | The 29-character Egyptian IBAN, without spaces |
| **Bank code (BIC/SWIFT)** | Optional for EGP; you can leave it empty |

During the transfer you also choose a **purpose of payment** from a list. Wise says you must pick the category that fits best.

### How many digits is an Egyptian IBAN?

29 characters. According to Wise's Egypt IBAN page it's built like this:

- **EG**: the country code
- **2 check digits**
- **4 digits**: the bank code
- **4 digits**: the branch code
- **17 digits**: the account number

So the account number sits inside the IBAN, but Wise needs the **full IBAN**, not only the account number. Your family gets it from their bank: in the bank's app, on a statement, or at the branch.

## Step by step: send money to Egypt with Wise

1. **Open a Wise account** through **[our link]** and get verified: [create a Wise account](https://exchangesteps.com/how-to-create-wise-account), [Wise verification](https://exchangesteps.com/wise-identity-verification).
2. In the app or on the website, tap **[Send]**. A bar at the top shows the four stages: **Recipient · Amount · Review · Pay**. The first screen asks "WHO ARE YOU SENDING TO?", with a search box and your recent recipients below.
3. For a new recipient, tap **[+ Add]**. Don't start from an existing contact: Wise then only shows the currencies you've already used with that contact.
4. Under "Select their currency", type **EGP** and choose it.
5. On "Add a recipient", choose **[Bank details]** ("You'll need their account information"). The other option, **[Upload screenshot or invoice]**, lets Wise fill in the details from a screenshot, photo or PDF of your family's bank details; check every field afterwards.
6. Fill in the form: **Recipient type**, the account holder's **full name** and the 29-character **IBAN** (the table above). The **Bank code (BIC/SWIFT)** is optional.
7. **Amount:** type what you send (**From**, e.g. EUR) or what your family should get (**To**, EGP). Wise shows the rate, the fee and the expected arrival before you continue.
8. **Review:** check the name and the IBAN once more. When Wise asks for the **purpose of payment** during the transfer, pick the category that fits best.
9. **Pay:** choose how to pay (bank transfer, card, Apple Pay and so on, depending on where you live). If you pay by bank transfer, send the exact amount to the details Wise shows, **from an account in your own name**: Wise can't accept money from someone else's account.
10. Follow the transfer's status in the app or on the website.

## Paying from Germany, the UK, Switzerland, the US and Canada

You always pay in the currency of the country you live in. Here is what Wise accepts, in its own help pages:

| You live in | You pay in | Ways to pay | Time to reach Wise | Limits Wise lists |
|---|---|---|---|---|
| **Germany, France, Netherlands, Belgium, Italy, Spain, Austria** | EUR | SEPA bank transfer, card, Apple Pay, Google Pay, Trustly, iDEAL (Netherlands) | SEPA: minutes to 1 working day | Card 10,000 EUR per transfer; Apple Pay 10,000 EUR; Google Pay 2,000 EUR per payment; iDEAL 50,000 EUR |
| **United Kingdom** | GBP | Bank transfer (Faster Payments), debit or credit card, Apple Pay, Google Pay | Usually seconds | Apple Pay and Google Pay 10,000 GBP per payment |
| **Switzerland** | CHF | Bank transfer (regular or instant), card, QR bill | 1-3 working days; instant 15-30 minutes | Card 3,500 CHF; Apple Pay 3,500 CHF; Google Pay 2,500 CHF |
| **United States** | USD | ACH bank debit, wire transfer, debit or credit card | ACH 0-4 working days; wire same or next day; card 0-30 minutes | Card 2,000 USD per 24 hours and 8,000 USD per 7 days; ACH 50,000 USD per 24 hours |
| **Canada** | CAD | Interac e-Transfer, direct debit (EFT), online bill payment, card, wire | 1-3 working days | Interac 25,000 CAD; card 3,000 CAD; direct debit 9,500 CAD per day |
| **Sweden** | SEK | Bank transfer, Trustly, card | 0-1 working days | Apple Pay and Google Pay 20,000 SEK |

**From Germany:** pay by SEPA transfer from your German bank account; Wise doesn't support SOFORT. If you pay by card, a card issued in the EEA paying in EUR has no international card fee. If your passport is Egyptian and you live in Germany, Wise may ask for a **German-issued residence document** (residence permit or a visa valid for more than 90 days) as proof of your right to live there.

**From the UK:** Wise says a GBP bank transfer usually reaches it in seconds, and rarely takes up to 1 working day.

**From Switzerland:** CHF can only come from a bank in Switzerland or Liechtenstein, and Wise doesn't accept CHF by Swift. An instant bank transfer reaches Wise in 15 to 30 minutes.

**From the US:** if your address is in the US you can't pay by Swift. Your bank may charge for a domestic wire (Wise says most banks charge 15-30 USD), so ACH is the usual choice when you aren't in a hurry.

**From Canada:** CAD has to come from a Canadian bank, and Wise asks Canadian residents to choose their occupation from a list.

## How long it takes

A transfer to Egypt has two parts:

1. **Your money reaches Wise.** That depends on how you pay (see the table): seconds for UK Faster Payments, up to 4 working days for a US ACH debit.
2. **Wise pays out in Egypt.** For EGP, Wise says the money usually arrives the same working day; the conversion can take up to 2 working days.

On your first transfer, verification can add time. Wise says identity checks usually take 1-2 working days, and if a check starts after you've set up a transfer it aims to finish within 5-14 working days.

## Fees: how Wise prices a transfer to Egypt

Wise doesn't publish one fixed price for Egypt. The total is built from:

- **A fixed part plus a percentage of the amount.** The percentage depends on the currency pair. Small transfers pay a low minimum fee.
- **How you pay.** Wise says a bank transfer is usually the cheapest. A card costs more, and a card issued in a different country from the currency you pay in costs more again (international card fee). A card from the EEA paying in EUR is the exception.
- **The exchange rate.** Wise says it uses the mid-market rate without a markup.
- **Dynamic charges.** For less-used currencies or volatile markets, Wise may add an extra line. If it doesn't appear in the calculator, it doesn't apply.
- **Your own bank.** Some banks treat a card payment to Wise as a cash advance. That fee is your bank's, not Wise's.

Rates and fees change every day, so we don't print them here. Wise shows the exact total, the rate and what your family receives **before you confirm**. More detail: [Wise fees explained](https://exchangesteps.com/wise-fees).

## What Wise can't do for Egypt

- **No mobile wallets:** no Vodafone Cash, InstaPay or Etisalat Cash, and no cash pickup. Bank accounts only.
- **No charities or trusts** as EGP recipients.
- **No paying from another person's account.** The bank account you pay from must be in your name.
- **If you live in Egypt**, you can sign up, but you can't hold a balance or pay in EGP. For someone in Egypt, Wise is mainly about receiving. See [Wise in Egypt and the Arab world](https://exchangesteps.com/wise-supported-countries).
- **No crypto.** Wise doesn't allow sending money to crypto exchanges or to people selling crypto, and may close accounts that do it.

## FAQ

**Can I send money from Wise to Vodafone Cash or InstaPay?**
No. Wise pays EGP into an Egyptian bank account only. Once the money is in the bank, the account holder can move it to a wallet themselves through their bank.

**What does my family in Egypt need to receive a Wise transfer?**
A bank account in Egypt and its 29-character IBAN, plus the account holder's full name. They don't need a Wise account.

**How long does Wise take to Egypt?**
Wise says EGP usually arrives the same working day once Wise has your money. How fast Wise gets your money depends on how you pay: seconds by UK Faster Payments, up to a working day by SEPA, longer by US ACH.

**How much can I send to Egypt with Wise?**
Up to 5 million EGP per transfer. Your paying method has its own limits too, for example 10,000 EUR per card payment or 3,500 CHF by card.

**Can I send money from Saudi Arabia or the UAE to Egypt with Wise?**
Not in riyals or dirhams: Wise doesn't accept SAR, KWD or QAR as a payment currency, and paying in AED is currently suspended. Wise allows USD by card or Swift for people outside the US, but a Gulf-issued card paying in USD counts as an international card, which costs more. Check the full price in the calculator first.

**Will Wise ask where my money comes from?**
For larger transfers it can. Wise asks after you've set up and paid for the transfer, for example for payslips or bank statements. You don't need to send anything in advance.

## Get started

**[Open your Wise account →]**

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*Last updated: 23 October 2026 · All facts from the official Wise pages listed above.*