How to Send Euros to a US Checking Account

Two funding methods facilitate sending a Euro-based financial transaction to a United States checking account. The first option is called a bank wire transfer. For a fee, funds are withdrawn from your checking or savings account and sent electronically to your recipient's U.S. checking account. You can also transfer Euros using a money transfer service. Fund your transfer using a debit card with a Visa or MasterCard logo. Funds are deposited directly into your recipient's bank account.

Bank Wire

• 1

  Gather the following information from your recipient:

  The full name on the account.

  The account/IBAN number- This number identifies the bank account receiving your transferred funds.

  The recipient bank name

  The recipient bank address

  The SWIFT code- This code identifies which bank branch is receiving your transferred funds.

  Any special routing instructions

  Always double check the account number and SWIFT code. Errors delay the delivery of funds.

• 2

  Check that you have funds available for your transfer. Contact your bank via telephone and conduct a balance inquiry. Most banks provide account holders with an online feature to review account balances.

• 3

  Take the information about your recipient and valid government identification, such as a passport or driver's license, to your banking institution. Inform customer service you wish to initiate a wire transfer.

• 4

  Fill out the required paperwork. Indicate the transfer amount and funding source. The transferred Euros are converted to USD by the receiving bank. Present your identification to verify account ownership. Provide your recipient's account information. Your account is assessed a fee for initiating the transfer.

• 5

  Complete your wire transfer. A tracking number is generated and displayed on your receipt. Use this number to receive information on your wire transfer progress.

• 6

  Notify your recipient of the anticipated arrival of funds into his bank account. Give him the tracking number and tracking instruction. Average funds processing time is 3 business days, but the time of deposit for your funds varies from bank to bank. Your recipient may be assessed a fee for accepting the transfer. Have your recipient inquire with his bank for more information.

Money Transfer Service

• 1

  Sign up for an online account with a money transfer service. Verify that the service provides a bank account money transfer option. You must provide personal information including your billing address. Western Union money transfer deposits funds directly into your recipient's bank account.

• 2

  Select "Send Funds Now." Indicate you are sending funds to the United States. Select "Receiver's Bank Account" as the payout method.

• 3

  Use the site calculator to indicate how much money you want your recipient to receive. Your Euros are converted to USD. The total cost of your transaction including applicable fees is displayed for your approval.

• 4

  Confirm your transaction. Provide your recipient's bank account and routing numbers and proceed to checkout. Pay for transfer costs using your debit card with a Visa or MasterCard logo. For converting Euros to USD, your card may be assessed a funds-conversion fee. A tracking number is generated with your receipt. Use this number to check the progress of your money transfer. Processing time is 2 to 5 business days.

• 5

  Notify your recipient of the estimated time of delivery for her funds. Give her the tracking number and instructions on tracing the transaction. For a specific deposit time, the recipient must contact her bank.