Which type of money transfer should you use? Understand the differences and choose the best option in the Inter super app

Sending money may seem simple, but choosing the right transfer option can make all the difference in your daily life. The wrong choice can lead to extra fees, longer delivery times, and even unnecessary complications.

With the Inter super app, you have four different transfer methods designed to meet a variety of financial needs — all simple, fast, and secure, right from your phone. Understanding how each one works is key to managing your money smarter in the United States.

What is a money transfer?

A money transfer is the process of sending funds from one account to another, whether within the United States or to another country.

In the U.S., these transactions are part of everyday life — from paying a friend to sending money to family abroad. But the best method depends on factors like destination, urgency, cost, and account type.

Choosing the right money transfer type in the Inter super app helps you save on fees, avoid delays, and ensure the amount arrives safely.

The 4 types of transfers available in the Inter super app

The Inter super app offers four main transfer methods designed for different situations. All are 100% online, with practicality and transparency.

1. InterPay

InterPay is the simple, fast, and free way to send dollars between Inter accounts operating in USD — from wherever you are.

It’s ideal for those who are already part of the Inter ecosystem and need to send or receive money from other users quickly.

  • How it works: Open the Inter super app, select the contact, and send the USD amount.
  • Cost: Free.
  • Processing time: Just a few moments.
  • Best use: Ideal for fast payments and transfers between Inter customers.

Tip: Perfect for splitting bills, paying friends, or moving funds between your own Inter accounts.

2. ACH Transfer

ACH transfer is the most economical option for sending dollars between U.S. accounts — perfect for domestic transfers between different financial institutions.

It uses the Automated Clearing House network, which processes electronic payments securely and automatically.

  • How it works: Money is transferred between U.S. accounts directly through the Inter super app.
  • Cost: Free.
  • Processing time: 1–3 business days, depending on the receiving institution.
  • Best use: Perfect for routine, non-urgent transfers.

Inter advantage: While other institutions may charge up to $10 per ACH transaction, Inter offers it for free, directly in the app.

3. Wire Transfer

Wire Transfer is the best option when you need the money to arrive quickly to another account in the U.S.

This type of transfer is settled directly between institutions, ensuring speed and security.

  • How it works: The money is sent electronically through the Inter super app with fast confirmation.
  • Cost: $15 per transaction.
  • Processing time: Generally same day or next business day.
  • Best use: Perfect for urgent or high-value payments, such as purchases, investments, or business expenses.

4. International Transfer

International transfers are the best option when you need to send money outside the United States.

Through the Inter super app, you can make international transfers easily, transparently, and without hidden fees — tracking everything in real time.

  • How it works: Funds are sent directly from the app, converting dollars to the destination currency.
  • Cost: No fee when sent from available account balance.
  • Processing time: In the Inter super app, 90% of international transfers arrive within 24 hours.
  • Best use: Ideal for international transfers to family abroad or investments in other countries.

Comparison: Which transfer should you choose in the Inter super app?

Practical tip:

  • Need to send to another Inter user? Use InterPay.
  • Want to save on domestic transfers? Choose ACH.
  • In a hurry? Wire is the fastest.
  • Sending dollars abroad? Use International transfer — fast and zero fee with balance!

Best practices for money transfers in the Inter super app

  • Double-check recipient details before confirming.
  • Avoid holidays and weekends, when processing may be slower.
  • Ensure enough balance before starting the transaction.
  • Track everything in real time in the Inter super app.
  • Choose the correct method: InterPay for internal transfers, ACH for routine, Wire for urgency, International for abroad.

The right choice makes a difference

Choosing the right transfer type may seem like a small detail, but it can greatly impact your finances.

In the Inter super app, each method is designed for a specific need:

  • InterPay for immediate transfers between Inter accounts
  • ACH for affordable domestic transfers
  • Wire for urgent transactions
  • International transfers for sending dollars to over 60 countries fast and with zero balance fees

With the Inter super app, all transfer options are in one place — simple, fast, and adapted to your daily life.

Download the super app

Not sure which transfer type to choose?

Download the Inter super app, open your account, and acc ess every transfer option — with the support and guidance you need.

https://static.bancointer.com.br/blog-us/author/images/6646b1ae5c98433caf3d5e5e76c6a6ac_interco-logo-orange-blog.png
InterCommunications

Inter (NASDAQ: INTR) is the pioneer financial super app serving over 40 million consumers across the Americas. The Inter ecosystem offers a broad array of services, including banking, investments, mortgages, credit, gift cards, and cross-border tools. The super app also boasts a dynamic marketplace, linking consumers with shopping discounts, cashback rewards, and exclusive access to marquee events across the globe. The company is expanding rapidly in the United States, as evidenced by its naming rights sponsorship of the Inter&Co Stadium that hosts soccer teams “Orlando City” and “Orlando Pride”. Focused on innovation and captivating member experiences, Inter&Co delivers comprehensive financial and lifestyle solutions to meet the evolving needs of modern consumers.

Did you like it? Share
X Logo

INTER & CO PAYMENTS, INC., doing business as Inter (“Inter”), is a financial technology company, a registered money services business (MSB) and a licensed money transmitter, not a bank (NMLS ID #907330). Massachusetts Foreign Transmittal Agency (License #FT114374-100). Rhode Island Currency Transmitter (License # 20203960CT). Click here to access our NMLS licenses.

Banking services are provided by Community Federal Savings Bank (“CFSB”), Member FDIC and deposits are held by CFSB and Wells Fargo Bank, Members FDIC. Inter is not a depository institution, deposits held at CFSB and Wells Fargo are not eligible for FDIC insurance.

The Inter US Checking account is provided by Continental Bank, Member FDIC. Inter US Checking accounts are FDIC-insured up to US$250,000. Inter US Checking account funds are eligible for FDIC insurance up to the allowable limit through Continental Bank, Member FDIC, and other program banks. Coverage is subject to aggregation of all of each account holder's funds held on deposit at Continental Bank or at each of its program banks. Funds generated through Inter's payment processing services are generally available in the Inter US Checking account balance immediately after a payment is processed. Fund availability times may vary due to technical issues. Inter is not a bank. Inter US Checking accounts do not provide monthly paper statements and do not issue physical paper checks. Inter US Checking accounts are not interest-bearing accounts.

FDIC deposit insurance coverage only protects against the failure of an FDIC-insured deposit institution. If you have an Inter US Checking account, up to US$250,000 of your balance may be covered by FDIC insurance on a pass through basis through Continental Bank, Member FDIC, subject to aggregation of the account holder's funds held at Continental Bank and if certain conditions have been met.

Please see your account information to know where your account is maintained. Inter US Checking accounts at Continental Bank are only available for US residents, upon informing a Social Security or Individual Taxpayer Identification number.

For more information regarding your Inter Account, view the Inter Account Agreement at https://us.inter.co/compliance?interandco-account-agreement .

For more information regarding your Inter US Checking account, view the Inter US Checking Account Agreement at https://us.inter.co/compliance?inter-us-checking-account-agreement .

For more information regarding FDIC insurance, please visit the FDIC website at https://www.fdic.gov/resources/deposit-insurance .

To provide you with the Inter Account and the Inter US Checking account, we share your information with CFSB and Continental. View the CFSB Privacy Notice here and the Continental Privacy Notice here for details.

Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874), an affiliate of Inter & Co Payments, Inc.

Securities brokerage services are provided by Inter&Co Securities LLC, Member FINRA/ SIPC , an affiliate of Inter & Co Payments, Inc. and a wholly-owned subsidiary of Inter&Co US Holding. View important information and disclosures here .

If you have any questions or concerns regarding any transaction, please write to us at 501 Brickell Key Drive, Suite 202, Miami, FL 33131, or by email at help@inter.co or by calling us at 1-888-305-7264 .

THIS NEXT SECTION IS APPLICABLE FOR US RESIDENTS ONLY. IF YOU ARE NOT A RESIDENT OF THE UNITED STATES OF AMERICA, PLEASE DISREGARD THIS SECTION.

The Inter US Mastercard® Credit Card is issued by Continental Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated and may be used wherever Mastercard debit is accepted. The Inter US Mastercard® Credit Card is issued by Continental Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted. For more information about the Inter US Mastercard credit and debit cards please see the applicable cardholder agreements here .

THIS NEXT SECTION IS APPLICABLE FOR NON-US RESIDENTS ONLY. IF YOU ARE A RESIDENT OF THE UNITED STATES OF AMERICA, PLEASE DISREGARD THIS SECTION.

The Inter Mastercard® International Debit Card (“Global Card”) is issued by the international branch of Banco Inter S.A. in the Cayman Islands, authorized to operate as a category “B” banking institution by the Cayman Islands Monetary Authority – CIMA (“Cayman Branch”), pursuant to a license from Mastercard International Incorporated, linked to a US dollar checking account in the Cayman Islands maintained by the Cayman Branch (“Cayman Account”). For more information about the Cayman Account and the Global Card offered by the Cayman Branch, see the Cayman Account and Global Card Agreement, available here .

The Inter Mastercard® International Credit Card (“Global Credit Card”) is issued by the Cayman Branch, pursuant to a license from Mastercard International Incorporated. For more information about the Global Credit Card offered by the Cayman Branch, see the Global Credit Card Agreement, available here .

The Cayman Account, Global Card and Global Credit Card are offered by the international branch of Banco Inter S.A. in the Cayman Islands, an affiliate of Inter, and are not features of the Global Account nor are they offered by Inter & Co Payments, Inc. The Cayman Account, Global Card and Global Credit Card are not available for U.S. customers.

The Cayman Branch will gather your information in order to offer you the Cayman Account, the Global Card and the Global Credit Card. Personal data will be subject to the Data Protection Act of the Cayman Islands, as well as the General Data Protection Law. To learn more about how we protect your personal data, see our Privacy Policy, available at https://inter.co/politica-de-privacidade/ .

Choose other country or region to see the content exclusive to your location

USA
USA

Follow Inter

Terms and Conditions
Inter&Co Account | Short Form DisclosureInter&Co Account Fees Schedule | Long FormInter&Co Account AgreementUser AgreementE-Sign Consent
Privacy PolicyUS State Licensing and Complaint PolicyLGPD (Brazil)Fraud PreventionInter&Co SecurityCookies Policy
ComplianceCompliance DeclarationState Licensing InformationCashback AgreementInter&CO promocodes INTER10 and INTER20