Send Large International Transfers | Personal

Send large international payments with confidence and control.

When you’re moving large amounts, you need more than competitive FX rates. 
Full pre-transaction visibility, institutional FX rates, and dedicated support
for every high-value cross-border transfer.

Open an Account

Speak to Our Team

Built for high-value transfers at scale.

Start sending from $25,000 and above

Designed for individuals managing significant cross-border financial obligations.

Transparent pricing, no hidden margins

Know your FX rate and fees upfront before you send.

Save more on large transfers

Optimized pricing for high-volume and high-value payments.

Bank-grade security and safeguards

Protect your funds with enterprise-level controls and monitoring.

Regulated across key financial jurisdictions

Operate with confidence under established compliance frameworks.

Trusted infrastructure handling billions in volume

Built to support large transactions reliably and efficiently.

Start sending from $25,000 and above

Designed for individuals managing significant cross-border financial obligations.

Transparent pricing, no hidden margins

Know your FX rate and fees upfront before you send.

Save more on large transfers

Optimized pricing for high-volume and high-value payments.

Bank-grade security and safeguards

Protect your funds with enterprise-level controls and monitoring.

Regulated across key financial jurisdictions

Operate with confidence under established compliance frameworks.

Trusted infrastructure handling billions in volume

Built to support large transactions reliably and efficiently.

Track every step of your transfer.

Stay informed from initiation to delivery. Monitor the status of every transaction in real time, with clear updates and full transparency across the payment lifecycle.
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Automatic transaction syncing

Faster bank reconciliation with matched transactions

Multi-currency transaction support

Real-time financial visibility and reporting

Reduced administrative workload for finance teams

Dedicated support for high-value transactions.

When moving large amounts, timing and accuracy matter.
Our team is here to support you with priority assistance, ensuring your transfers are executed smoothly and efficiently.

Speak to Our Team

For high-value transfers
at critical moments.

Property and real estate transactions

Execute cross-border property settlements with institutional FX rates and full regulatory compliance. Transwap supports high-value transfers for residential and commercial transactions, with dedicated operations support and transparent documentation requirements throughout the process.

Supplier and vendor payments across borders

Cross-border inheritance transfers involve regulatory requirements in multiple jurisdictions. Transwap's compliance team coordinates documentation verification, including estate administration letters, probate grants, and beneficiary identification. Institutional FX rates apply to all inheritance-related transfers regardless of value.

Mergers, investments, and capital transfers

When you’ve been waiting for the perfect moment to move on a stock option, you want the benefits of your judgement to show up in your account. That’s why Wise lets you move large amounts at the mid-market exchange rate.

Treasury and intercompany fund movements

When you’ve been waiting for the perfect moment to move on a stock option, you want the benefits of your judgement to show up in your account. That’s why Wise lets you move large amounts at the mid-market exchange rate.

Property and real estate transactions

Execute cross-border property settlements with institutional FX rates and full regulatory compliance. Transwap supports high-value transfers for residential and commercial transactions, with dedicated operations support and transparent documentation requirements throughout the process.

Supplier and vendor payments across borders

Cross-border inheritance transfers involve regulatory requirements in multiple jurisdictions. Transwap's compliance team coordinates documentation verification, including estate administration letters, probate grants, and beneficiary identification. Institutional FX rates apply to all inheritance-related transfers regardless of value.

Mergers, investments, and capital transfers

When you’ve been waiting for the perfect moment to move on a stock option, you want the benefits of your judgement to show up in your account. That’s why Wise lets you move large amounts at the mid-market exchange rate.

Treasury and intercompany fund movements

When you’ve been waiting for the perfect moment to move on a stock option, you want the benefits of your judgement to show up in your account. That’s why Wise lets you move large amounts at the mid-market exchange rate.

How to
send large international transfers.

Our process is designed to meet compliance
requirements while keeping your transfers fast and efficient.

1. Open your personal account

Register and verify your identity on Transwap's MAS-regulated platform.

2. Verify requirements

Ensure compliance for high-value transactions.

3. Set up your transfer

Enter recipient details, amount, and currency.

4. Submit required documents

Ensure compliance for high-value transactions.

5. Fund your transfer

Pay using your available balances or bank transfer.

6. Track and confirm delivery

Monitor your transfer until it reaches the recipient.

Compliance made clear
for large transfers.

For high-value transactions, additional documentation may be required.
Transwap guides you through every step to ensure compliance without unnecessary delays.

Property sale

Transfer proceeds from property sales with full transparency and regulatory alignment. We guide you through documentation and verification requirements to ensure smooth, compliant transactions.

Clear documentation requirements for property-related transfers
Verification of source of funds and transaction purpose
Structured review to meet regulatory standards
End-to-end support to avoid delays and rejections

Inheritance

Move inherited funds across borders with clarity and confidence. We help you navigate required documents and ensure compliance with international regulations.

We support you with:

Guidance on inheritance documentation (e.g. wills, estate letters)
Verification of beneficiary and source of funds
Compliance checks aligned with cross-border regulations
Smooth processing with minimal friction

Salary

Transfer high-value salary payments securely and efficiently. Ensure your income transfers meet regulatory requirements without unnecessary complexity.

We support you with:

Verification of employment and income source
Clear documentation for salary-related transfers
Fast processing with compliance checks in place
Reliable delivery with full transaction visibility

Investment

Move funds for investments with confidence and control. Whether funding opportunities or repatriating returns, we ensure compliant and efficient transfers.

We support you with:

Documentation support for investment-related transfers
Source of funds and purpose verification
Alignment with financial regulations across jurisdictions
Secure handling of high-value transactions

Loan

Facilitate loan-related transfers with proper documentation and oversight. Ensure all transactions meet regulatory requirements while maintaining efficiency.

We support you with:

Verification of loan agreements and supporting documents
Compliance checks for fund movement
Structured approval and processing
Transparent tracking throughout the transfer

Others

For any other high-value transfer purposes, we provide tailored support to ensure compliance and smooth execution.

We support you with:

Case-by-case guidance based on transaction type
Clear documentation requirements upfront
Compliance checks aligned with regulatory expectations
Dedicated support for complex transactions

Explore our regulatory licences across 5 jurisdictions Explore cross-border business payment solutions Explore how to send money internationally

Frequently asked
questions.

Common questions about executing high-value international transfers through Transwap.

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What is the minimum transfer amount for large-value transfers?

There is no fixed minimum for Transwap transfers. However, transfers above SGD 10,000 (or equivalent) qualify for institutional FX pricing and dedicated operations support. Contact our team to discuss your specific transfer requirements and receive a tailored rate quotation.

What documentation is required for high-value transfers?

Documentation requirements vary by transfer purpose and jurisdiction. For property transactions, you may need a sale and purchase agreement or settlement statement. For investment transfers, supporting documentation from the receiving institution may be required. Our compliance team will advise on exact requirements when you initiate the transfer, ensuring full regulatory alignment.

How is my money protected?

Transwap is licensed by the Monetary Authority of Singapore and holds licences across 5 jurisdictions. Your funds are held in segregated accounts with licensed banking partners, separate from Transwap's corporate operating funds. All transfers undergo automated compliance screening and real-time transaction monitoring.

How long do high-value transfers take to settle?

Settlement timing depends on the destination country, currency pair, and payment rail. Most transfers to major corridors settle within 1 to 2 business days once compliance verification is complete. For time-sensitive transactions such as property settlements, our operations team can coordinate with receiving institutions to ensure alignment with your closing timeline.

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