Alternative to bank wire

An alternative to bank wires for international payments

Bank wires are expensive, slow, and full of surprises. Unbound moves money across borders on local rails, with transparent FX and fast settlement.

ComparativoCross-border
U
Unbound
Trilhos locais
VS
Bank wire
Rota legada
CâmbioCotação do dia + spread transparente
The pain of bank wires

Why the traditional wire stalls your international payment.

Fee on top of fee

The sending bank charges a wire fee, correspondent banks take a cut along the way, and the recipient still pays an incoming fee. Nobody warns you upfront.

3 to 5 business days

Every correspondent bank in the SWIFT chain adds a day. Funds sit between institutions while your supplier or family waits.

Opaque exchange rate

The bank embeds its spread in the rate without showing it on the invoice. You only find out how much you lost when you compare it to the actual market rate.

Why Unbound

Same destination, without the wire friction.

Local rails on both ends

Funded via Pix in Brazil and delivered via ACH, SEPA, SPEI, or Faster Payments at the destination — no correspondent bank relay.

The quote is what you pay

Day's rate plus a transparent spread. You see the exact amount the recipient receives before you confirm.

Real-time tracking

Track every transfer end to end and generate automatic receipts for every payment.

Side-by-side comparison

Unbound vs. bank wire.

Unbound
Bank wire
Delivery time
Same day to 24h
3 to 5 business days
Fees along the way
No hidden fees
Sending, correspondent, and receiving fees
Exchange rate
Day's rate + transparent spread
Embedded, opaque spread
Funding
Instant Pix
TED/deposit during banking hours
Tracking
Real-time, end to end
Limited or none
Receipt
Generated automatically
Requested manually
FAQ

Perguntas frequentes.

Replace bank wires with local rails.

100% digital onboarding. Transparent FX, real-time tracking, and no hidden fees. Your first transfer can go out this week.