International payments
Track it end to end, and see what each bank took
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Ways to bank
Instant money & remittances
Send money to anyone with a phone number, in under a minute
Overview
Send money to anyone in the United States using their mobile number or email address, whichever bank they use. If they have no bank account they can collect cash at an HBI ATM or branch using a code sent to their phone.
For international remittances we show the fee and the exchange rate separately, so you can see the full cost of the transfer before you send it.
Why HBI
Every channel does the same job
Whichever way you reach us, you see the same balance and can do the same things. The app, online banking, the ATM network and the branch are four doors into one account.
We build for ordinary conditions: older phones, slow connections and people in a hurry. If something is quicker in the app than at a counter, we will tell you.
What you get
Everything that is included
The full list, not the highlights. If something is not here, it is not included.
Features
- Send $1 to $2,500 per transaction to any US mobile number or email address
- Cash collection at HBI ATMs and branches for recipients without a bank account
- International remittances to more than forty countries
- Cash codes expire after fourteen days and the money returns to your account automatically
- Cancel an uncollected cash transfer at any time at no charge
- Recurring sends for regular support payments
What you need to qualify
- An HBI account with online banking or the app
- The recipient’s US mobile number or email address
- For cash collection, the recipient must present ID matching the name you send to
- International sends require the recipient’s full name and country
Not sure you qualify?Speak to a banker before applying. A conversation costs nothing and does not touch your credit report.
Pricing
Pricing
Published here, and the same figure you will see in your quotation.
| Transaction | Fee | How it arrives |
|---|---|---|
| Send to a bank account | Free | In their account in under a minute |
| Send for cash collection, up to $500 | $3 | HBI ATM or branch |
| Send for cash collection, $501 – $2,500 | $5 | HBI ATM or branch |
| International remittance | $5 + FX margin | Bank deposit or partner agent |
| Cancellation | Free | Returned within one business day |
Fees and rates are reviewed annually and published at least 30 days before any change takes effect. Terms and conditions apply.
Good to know
How we look after you
Three commitments that apply to every ways to bank product, this one included.
We never ask for your PIN
No one from HBI will ask for your password or one-time passcode by phone, email or message. Anyone who does is not us.
Changes apply immediately
Card freezes, limits and payee changes take effect the moment you confirm them, on every channel at once.
Help at any hour
The fraud and lost-card lines are answered at any hour, every day. Everything else has a published opening time and a call-back option.
Questions
Questions clients actually ask
If yours is not here, a banker will answer it directly.
A cash code expires after fourteen days and the full amount, including the fee, returns to your account automatically.
Not always. A payment to a bank account is final once sent, so check the name we show you before you confirm. Never send money to someone you cannot verify.
More than forty countries through our partner network. The destination list and the current fee are shown in the app before you confirm.
$2,500 per transaction and $5,000 per day by default. You can lower it in online banking; raising it requires verification.
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Ways to bank
Ready to take this further?
Apply online in about ten minutes, or ask a banker to call you at a time that suits.