Sending international payments

You can send payments to 40+ countries in local currencies using Mercury. This article covers how to send an international wire, track its status, and understand eligibility and restrictions.

How to send an international wire

Initiating an international wire

1. Go to Move Money in the upper-right corner of your dashboard and select Send
2. Choose a recipient:
   • Upload a bill, select an existing recipient, or create/invite a new recipient
3. If creating a new recipient:
   • Add their name and basic info
   • Click Create Recipient
4. Enter the payment details:
   • Select International Wire as the payment method
   • Choose your currency (USD or one of 40+ supported local currencies) from the dropdown 
5. Review or enter bank details:
   • Start with the recipient’s SWIFT code. The form will update based on country-specific requirements
   • If prompted, add the IBAN (International Bank Account Number)
   • (Optional) Add a correspondent or intermediary bank's SWIFT code. Only include this if the recipient instructs you to—extra details may cause rejections
   • Review these details and ensure information is accurate. Errors may delay or block the transfer 
6. Click Next

Filling out “Amount” details

7. Enter the payment amount (the amount must be greater than $5)
8. Choose your source account
9. Set the send date (today or scheduled)
10. (Optional) Set up a recurring payment

Additional details and finalizing 

12. In the Details step:
    • Describe the purpose of the wire
    • Add optional memos, attachments, or recipient email addresses for receipts
13. Click Next to review everything. Double-check recipient details—incorrect info will cause the wire to be rejected and returned

Tracking your payment

Wires usually process within 2-3 days of the scheduled payment date, and can take up to 5 working days to reach your recipient.

Once sent, you should be able to view details (reflecting the USD amount deducted from your account) from your Transactions page.

Where you can send international payments

On Mercury, you can send money to most countries around the world — however, there are some exceptions. As part of our continued commitment to ensure secure, compliant transactions for all customers, we reserve the right to reassess our risk appetite and update these country lists at any time. Please see below for more details. 

Locations that will require documentation

When sending funds to one of the countries listed below, you are required to provide a payment reason, indicate whether you plan to pay this recipient in the future, and upload supporting documentation.

Locations that will be blocked

We currently do not support outgoing payments to or incoming payments from the following countries and regions (including online merchants with legal addresses in these locations), nor do we allow card swipes or ATM withdrawals within them:

Afghanistan, Belarus, Central African Republic, Congo (the Democratic Republic of the), Congo (the), Cuba, Eritrea, Haiti, Iran (Islamic Republic of), Iraq, North Korea (DPRK - Democratic People’s Republic of Korea), Liberia, Mali, Mozambique, Myanmar (Burma), Palestine (State of), Russia, South Sudan, Syria (Syrian Arab Republic), Ukraine (sanctioned regions), Venezuela (Bolivarian Republic of), Yemen.

Mercury is a financial technology company, not a bank. Banking services provided through Choice Financial Group; Member FDIC.