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International transfers

Use international transfers to send funds to external accounts. You can send funds either to a traditional bank account (global bank account recipient) or to a mobile money account (global mobile money recipient).

Unlike external transfers, recipients get the funds in their local currency, regardless of the currency sent. For example, if you transfer USD to a Nigerian bank account, the recipient receives it in naira.

Add a global bank account recipient or add a global mobile money recipient before you initiate the transfer request. Then include the sender’s account id, customer id, and the recipient’s external account id in your request.

The source object contains the sender’s details, and the destination object contains the recipient’s details. Also, your transfer can be ACH or Wire transfer:

curl --request POST \
     --url https://api.gravv.xyz/v1/transfer \
     --header 'Api-Key: <Api Key>' \
     --header 'Idempotency-Key: 979879887678789_attempt_1' \
     --header 'content-type: application/json' \
     --data '
{
  "source": {
    "source_type": "internal_account",
    "id": "b9c2cb0d-e09a-496f-8655-d8c4b7aaf2f8"
  },
  "destination": {
    "destination_type": "external_account",
    "id": "74943275-6874-41b4-bd71-13d6cf5ed802",
    "rail": "wire"
  },
  "amount": 1.5,
  "client_reference": "099283849s",
  "description": "Transfer Testing",
  "customer_id": "bb6c6022-f1d8-492f-80f0-7547134bb42f"
}
'

USD SWIFT Payments: Supported Countries

Gravv supports USD SWIFT payouts to 50+ countries across six regions. SWIFT transfers are processed through correspondent banking networks, enabling reliable USD delivery to beneficiary bank accounts worldwide.

Asia-Pacific

  • JP – Japan
  • KR – South Korea
  • SG – Singapore
  • TW – Taiwan
  • TH – Thailand
  • ID – Indonesia
  • AU – Australia
  • NZ – New Zealand

Americas

  • US – United States
  • MX – Mexico
  • CL – Chile
  • CO – Colombia
  • AR – Argentina
  • BR – Brazil

Africa

  • NG – Nigeria
  • ZA – South Africa
  • KE – Kenya

Middle East

  • SA – Saudi Arabia
  • AE – United Arab Emirates
  • IL – Israel
  • TR – Turkey

Europe

  • GB – United Kingdom
  • AT – Austria
  • BE – Belgium
  • BG – Bulgaria
  • HR – Croatia
  • CY – Cyprus
  • CZ – Czech Republic (Czechia)
  • DK – Denmark
  • EE – Estonia
  • FI – Finland
  • FR – France
  • DE – Germany
  • GR – Greece
  • HU – Hungary
  • IS – Iceland
  • IE – Ireland
  • IT – Italy
  • LV – Latvia
  • LI – Liechtenstein
  • LT – Lithuania
  • LU – Luxembourg
  • MT – Malta
  • NL – Netherlands
  • NO – Norway
  • PL – Poland
  • PT – Portugal
  • RO – Romania
  • SK – Slovakia
  • SI – Slovenia
  • ES – Spain
  • SE – Sweden

Requirements

To initiate a USD SWIFT payout, the following beneficiary details are required:

  • Beneficiary name (must match the receiving bank account holder)
  • SWIFT/BIC code of the receiving bank
  • Account number or IBAN (IBAN required for European destinations)
  • Beneficiary address (street, city, country)
  • Bank name and address
  • Purpose of payment (may be required for certain corridors)

Note

Some countries may require additional documentation or have specific regulatory requirements for inbound USD transfers. Refer to the corridor-specific guides or contact your account manager for details.

Settlement & Processing

  • Processing time: 1 to 3 business days, depending on the destination country and intermediary banks involved.
  • Cut-off time: SWIFT transfers submitted after the daily cut-off are processed on the next business day.
  • Fees: Correspondent bank fees may apply in addition to Gravv's transfer fee. Refer to the Pricing page for details.