International ACH helps you overcome challenges.

Non-urgent payments

Reduce expenses related to non-urgent payments.

Lifting fees

Avoid lifting fees so beneficiaries receive full value.

Foreign exchange conversion

Convert U.S. dollars to the beneficiary’s currency before sending to see the amount that will be received.

Formatting

Convert payment data elements to the format required for each country.

How does it work?

International ACH transactions directly transfer funds to a bank account outside the U.S. Use SinglePoint® to enter the payment amount in U.S. dollars or foreign currency. Beneficiaries receive a full-value, low-cost transaction within one to four days. Canada supports both debit and credit origination in U.S. or Canadian dollars.

Real-time foreign exchange rates

Real-time FX rates convert the payment amount to the beneficiary currency.

Detailed reporting

View integrated information reporting at batch and transaction levels, including payment status and foreign exchange rate.

Initiation options

Initiate single or batch payments or use file import in SinglePoint; confirm successful initiation in real-time.

International ACH supports many payment types.

International ACH is a versatile option that you can use for many different purposes, including but not limited to:

  • Payroll and direct deposit
  • Travel and expense programs
  • Dividends to shareholders
  • Legal settlement payments
  • Consumer goods and services
  • Recurring vendor payments
  • One-time payments

Read insights about international ACH.

Two male office workers at computers doing IAT ACH.

International wire transfer or ACH?

Global ACH and wires are both viable methods of making and receiving payments internationally. But how do you choose the right one for your company’s needs?

Find out
Professional man and woman working at a large desk making ACH international.

The 5-step transition to international ACH

Shift selected cross-border transactions to international ACH and ensure your beneficiaries receive the full value of each payment.

Read tips

Get guidance on international ACH.

Learn more about how international ACH transfers enable smoother cross-border operations for your organization with advice from U.S. Bank experts.

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Start of disclosure content

As Canada is a dual currency country, U.S. dollars may be delivered to U.S. dollar accounts in Canada. Payments to Canada and Mexico, governed by Nacha Rules, must be formatted to comply with the IAT SEC code and are subject to ACH credit underwriting.

All other currencies are routed to the local low value system and are not part of ACH credit underwriting and require prefunding. For more information, please see the U.S. Bank services Terms and Conditions Supplement for Global ACH.

U.S. Bank and SinglePoint are registered trademarks of U.S. Bank National Association.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

Notice: Foreign-denominated transactions are subject to foreign currency exchange risk. Customers are not protected against foreign currency exchange rate fluctuations by FDIC insurance, or any other insurance or guaranty program.

Deposit accounts with non-U.S. financial institutions offered through U.S. Bank are not deposits of U.S. Bank and are not insured by the FDIC or guaranteed by any governmental agency or authority, or by U.S. Bank.