Send money from Malaysia to the United States in dollars
Dollars held in a Grey account are paid into the recipient's own bank account in the United States, using their routing number and account number. Chase, Bank of America, Wells Fargo and other US banks all receive the payment by ACH. Because dollars are going to dollars, the sum that leaves the balance is the sum that is credited.
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A dollar balance in Malaysia paying a US account
This corridor is mostly people with dollar income and dollar bills. Freelancers and remote workers resident in Malaysia settle US invoices and subscriptions. Students and graduates in Kuala Lumpur, Cyberjaya and Selangor pay American tuition and application costs. Expatriate staff in Penang and Johor support family in the United States, and Malaysian firms pay American suppliers and contractors.
Two different accounts are involved and it is worth keeping them apart. The Grey USD account is yours: Lead Bank provides it, it carries US routing and account numbers, and it is where employers, clients and dollar wires from other banks pay you. The payout then goes to the recipient's own account at their own American bank.
What the recipient's bank needs is a routing number and an account number. Those two details identify the bank and the account between them, and they are what any domestic American payment asks for, so your recipient will find them on a statement or in their banking app.
How to send money to the United States from Malaysia
Sign up
Create a Grey account on your phone and pass identity verification using a passport or another accepted photo ID. Grey Inc is registered with FinCEN, registered address 651 N Broad St, Suite 206, Middletown, DE 19709, United States.
Fund
Lead Bank provides the Grey USD account you hold, with US routing and account numbers attached to it. Give those to clients and employers, or wire dollars across from another bank, and the payment to the United States draws on that balance.
Send
Enter the recipient's routing number and account number with the name on the account, set the amount, and confirm. The fee is shown before you commit to the payment.
What it costs to send money from Malaysia to the United States
Dollar to dollar payments are unusually easy to price. There is no margin hidden in a conversion because no conversion takes place, so the fee on screen is the whole of the cost and the amount quoted is the amount the American account receives.
That matters most when the figure has to be exact. An invoice settled to the cent, a rent payment or a tuition instalment leaves no room for a payout that lands a little under the number on the bill.
A margin only appears if you are funding from another currency. Converting a GBP, EUR or NGN balance into dollars first adds a rate to the transaction, and Grey shows that rate beside the fee before you confirm it.
Compare on the dollars credited, as always. Running the same instruction past Grey, Wise, Remitly and Western Union shows which of them puts the most dollars into the recipient's account once everything is counted.
When a rate applies to this transfer and when it does not
Sending dollars from a dollar balance involves no exchange rate at all. Nothing is converted, so nothing is lost to a spread, and the amount leaving Grey is the amount arriving at the American bank.
A rate enters only when the money starts somewhere else. If you convert GBP, EUR or NGN into dollars before sending, Grey fixes that rate at confirmation, which means the dollar figure is settled before the payment moves rather than at the point it lands.
Holding dollars in advance is the way to keep it simple. A Grey account carries USD, GBP, EUR and NGN together, so you can convert when it suits you and leave the payment itself as a straight dollar transfer.
Grey compared with a US transfer from a Malaysian bank
A Malaysian bank sends to the United States over SWIFT, which passes the payment through correspondent banks that may take charges along the way. On a dollar invoice that is a particular nuisance, because a deduction taken in the middle leaves the American account short of the figure on the bill.
Grey pays the last leg by ACH into the recipient's own US account. Transfers from a funded Grey balance arrive in one to two business days, the full amount sent is the amount credited, and the status is visible in the app rather than through a branch enquiry.
What your recipient in the United States sees
Dollars credited to the American bank account they already hold, from a named sender, with no Grey account needed and nothing to collect anywhere.
Bank payout by ACH
Chase, Bank of America, Wells Fargo and other US banks all receive the payment. The routing number and the account number are the only details you enter, and together they identify the bank and the account.
How quickly it lands
From a funded Grey balance the payment arrives in one to two business days. ACH settles in batches on American business days, so an instruction given at the weekend waits for the next one.
GreyTag
If the recipient uses Grey as well, GreyTag sends between the two accounts instantly and free of charge, in any currency Grey holds.
Funding a transfer to the United States
The payment is made from dollars you already hold, so funding decides when it can go. Choose the route that puts dollars in Grey ahead of the date the money is owed.
Client or employer payments
Hand over the account details once and everything paid to you after that arrives in Grey as dollars.
A dollar wire
A wire from another bank credits your Grey USD account and suits anyone whose income lands elsewhere.
Dollars already held
A balance in Grey can be sent on directly, with nothing to convert before it leaves.
Funding early is what makes the one to two business day window predictable. ACH only moves on American business days, so a balance in place before the weekend is worth more than a wire that arrives after the last batch has gone.
Who sends money from Malaysia to the United States
Remote workers and freelancers
Residents of Malaysia invoicing clients abroad in dollars who pay American suppliers, tools and subcontractors from the same balance.
Students and graduates
Students based in Kuala Lumpur, Cyberjaya and Selangor settling American tuition, application fees and deposits.
Expatriate professionals
Staff in Kuala Lumpur, Penang and Johor on dollar payroll supporting family in the United States or funding an account there.
Businesses paying contractors
Malaysian companies and small teams paying American suppliers, agencies and contractors to the cent from a dollar balance.
People in Malaysia holding dollars who owe dollars in America. Freelancers and remote workers lead this corridor, with students, expatriate staff and businesses alongside them.
The best way to send money from Malaysia to the United States
FAQs
How much does it cost to send money from Malaysia to the United States?
The fee appears before confirmation. Sending dollars to dollars involves no exchange rate, so that fee is the entire cost.
How long does a transfer to a US bank account take?
From a funded Grey balance it arrives in one to two business days, because ACH settles in batches on American business days.
What details do I need to pay someone in the United States?
Their routing number and account number, plus the name on the account. Both appear on a US bank statement.
Which US banks can Grey pay into?
Chase, Bank of America, Wells Fargo and other American banks, each reached through the recipient's routing and account numbers.
Is the amount I send the amount that arrives?
Yes, when you send dollars from a dollar balance. Nothing is converted, so the full sum reaches the American account.
What if I send on a weekend?
ACH runs in batches on American business days, so an instruction given at the weekend is settled on the next business day.
Is there a limit on what I can send?
Any limit on your Grey account is shown in the app before confirmation, so you see the ceiling before sending.
Can I track the payment?
Yes. The app carries a status for every transfer, from the moment you confirm until the dollars reach the US account.
Is Grey safe for dollar transfers?
Grey Inc is registered with FinCEN in the United States, and every payment is encrypted and recorded through to settlement.
Does my recipient need a Grey account?
No. The dollars land in their existing American bank account. Grey is only required at their end for a GreyTag transfer.
What happens if the routing or account number is wrong?
Check both against the recipient's statement before sending. If a payment goes out incorrectly, raise it in the app for support to trace.
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