# How to transact US Dollars via the Swift network > You can deposit EUR in your Xapo Bank account via SEPA which are immediately converted to US dollars and deposited in your Xapo Bank USD account To view th Source: https://customersupport.xapo.com/en_us/how-to-transact-us-dollars-via-the-swift-network-SJE4iNQWxx Last updated: 2026-08-03T14:48:19.781Z The Swift network is the system that allows you to send and receive international payments directly to and from your Xapo Bank account, connecting you to financial institutions globally. It provides a secure and standardised messaging network that banks use to ensure cross-border transfers are processed reliably. **What are the limits to transact via Swift, both per transaction and per day? Deposits and withdrawals.** There aren’t deposit limits for Swift transactions to Xapo Bank. Swift withdrawals can be limited up to $1M per day.  **How to deposit USD to Xapo Bank via Swift** You can deposit USD via Swift network by clicking on “Deposit” button and selecting “US Dollar” option. Then click on “Swift”.  **How to withdraw USD via Swift?** You can withdraw USD via Swift network by clicking on "Account and Cards" at the home screen, tap on “Send” button , select “Bank transfer” and “US dollar” and then click on “Send via Swift” **Can I deposit USD via Swift to Xapo Bank from another account that is not under my name?** Yes, we can accept such deposits  **How long does it take to process a Swift withdrawal?** Processing Swift transactions depends on various factors such as destination bank, initiation time, transaction amount and others.  If you initiate a Swift withdrawal before 4:30 pm UK time, except weekends and public holidays, the transaction will be sent to the Swift network on the same day. If you initiate a Swift transaction after 4:30 pm UK time, the transaction will be processed on the next business day. Usually, it takes around 3 business days a withdrawal to be credited to the recipient’s account.  Please note that for your protection, some transactions may require additional security reviews on our end, which can also extend the processing time. **How long does it take for my Swift account to be approved?**Our Swift payment provider has to approve your Swift account before you can initiate Swift deposits or withdrawals. It usually takes up to 2 business days.  **What are the fees for depositing and withdrawing USD via Swift?** Depositing USD via Swift network to Xapo Bank costs 0.3% of the deposit. This fee doesn’t represent a profit for Xapo Bank.  Withdrawing USD via Swift network costs 0.2% plus the USD equivalent of GBP 25. **Can I deposit other currencies via Swift network to Xapo Bank?**Yes. You can deposit supported currencies, which will be automatically converted to US Dollars (USD) upon receipt. Please note that a 0.5% SWIFT fee applies to non USD deposits. We support deposits in the following currencies: GBP - British Pound EUR - Euro AED - UAE Dirham AUD - Australian Dollar BGN - Bulgarian Lev BHD - Bahraini Dinar CAD - Canadian Dollar CHF - Swiss Franc CNY - Chinese Yuan CZK - Czech Koruna DKK - Danish Krona HKD - Hong Kong Dollar HUF - Hungarian Forint ILS - New Israeli Sheqel JOD - Jordanian dinar JPY - Japanese Yen KES - Kenyan Shilling KWD - Kuwaiti Dinar MUR - Mauritian Rupee MXN - Mexican Peso NOK - Norwegian Krone NZD - New Zealand Dollar OMR - Omani Rial PLN - Polish Zloty QAR - Qatari Riyal RON - Romanian Leu SAR - Saudi Riyal SEK - Swedish Krona SGD - Singapore Dollar THB - Thai Bhat TND - Tunisian Dinar TRY - Turkish Lira ZAR - South African Rand ZMW - Zambian Kwacha **When should I choose Swift instead of ACH/Fedwire?**  Both Swift and ACH networks support USD transactions. While Swift is an international payment network covering over 200 countries, ACH is a US based network connecting US banks. Selecting ACH or Swift depends on where the recipient’s bank is located and general preferences related to transactional fees.  **Why don't I see Swift deposit and withdrawal flows?** At the moment, only Xapo Bank members residing in the following countries can access Swift rails. Only your country of residence is taken into account. We’re working with our payment provider to enable more countries soon: _Aaland Islands, Andorra, Anguilla, Antarctica, Antigua and Barbuda, Armenia, Aruba Kingdom of the Netherlands, Australia, Austria, Bahamas, Bahrain, Belgium, Belize, Benin, Bermuda, Bhutan, Bonaire Saint Eustatius and Saba, Botswana, Bouvet Island, British Indian Ocean Territory, Brunei Darussalam, Cabo Verde, Canada, Cayman Islands, Chile, China (Macao), Christmas Island, Cocos (Keeling) Islands, Cook Islands, Costa Rica, Curaçao Kingdom of the Netherlands, Cyprus\*, Czechia (Czech Republic), Denmark, Dominica, Estonia, Falkland Islands (Malvinas), Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Georgia, Germany, Ghana, Greece, Greenland, Grenada, Guadeloupe, Guam, Guernsey, Guyana, Heard Island and McDonald Islands, Holy See (Vatican City), Iceland, Ireland, Isle of Man, Israel, Italy, Japan, Jersey, Jordan, Kiribati, Korea (South - Republic of), Kuwait, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Marshall Islands, Martinique, Mauritius, Mayotte, Micronesia, Federated States of, Montserrat, Nauru, Netherlands, New Caledonia, New Zealand, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Palau, Pitcairn, Poland, Portugal, Puerto Rico, Qatar, Reunion, Rwanda, Saint Barthelemy, Saint Helena, Ascension and Tristan da Cunha, Saint Kitts and Nevis, Saint Lucia, Saint Pierre and Miquelon, Saint Vincent & the Grenadines, Samoa, San Marino, Sao Tomé and Principe, Saudi Arabia, Seychelles, Singapore, Sint Maarten Kingdom of the Netherlands, Slovakia, Slovenia, Solomon Islands, South Georgia and the South Sandwich Islands, Spain, Suriname, Svalbard and Jan Mayen, Sweden, Switzerland, Taiwan (Chinese Taipei), Timor Leste, Tokelau, Tonga, Turks and Caicos Islands, Tuvalu, United Kingdom, United States Minor Outlying Islands, United States, Uruguay, Virgin Islands (UK), Virgin Islands (US), Wallis and Futuna Islands, Western Sahara,_ If you require assistance, please reach out to us via in-app chat or email support@xapo.com. We would be happy to help.