Banking across borders, priced honestly.
If you live in United States but earn, send or save in another currency, the FX margin usually costs more than the fee. We compare the total cost, residency requirements and multi-currency support.
What protects your money in United States
Deposits held with a licensed institution here are covered by FDIC deposit insurance up to $250,000 per person, per institution, under the supervision of OCC, FDIC and the CFPB. Money held with a payment institution rather than a bank is safeguarded, not deposit-insured.
Compare this in another market
Each market has its own licensed providers, protection scheme and pricing.
International banking from United States is about the total cost of holding or sending another currency — the FX margin usually dwarfs the advertised fee. We only list what is actually available to residents here under OCC, FDIC and the CFPB.
What this page is for
Use it to understand protection (FDIC deposit insurance applies to eligible deposits with a licensed deposit-taker, not to every payment-institution balance) and to move into the catalogues that exist in this market: banks, savings, cards. Cross-border transfer comparison is published only where we have live, attributable offers.
Everyday local rails (instant account-to-account payments, tax wrappers) are covered on the local tools page. How we treat commercial links: editorial policy.
Questions readers in this market ask
Answered with local rules, local supervision and local pricing — not a translated US page.
How do I compare international transfers fairly?
Add the transfer fee to the exchange-rate mark-up against the mid-market rate — that combined figure is the real cost. Speed and payout method matter as much as price when sending from United States.
Who supervises the providers compared on Bankmatch in United States?
Every institution listed for United States is supervised by OCC, FDIC and the CFPB. Eligible deposits are covered by FDIC deposit insurance up to $250,000 per depositor and institution.
What does "APR" mean here?
APR is the effective annual cost used in United States, including interest and mandatory fees. We always show the local measure so figures match the provider's own price list.
Do you check my credit to show matches?
Providers in United States assess applications with a FICO score. We shortlist on the published minimum criteria only — Bankmatch never runs a credit check.
How current is the pricing on this page?
Every figure on this page is read from the provider's own product feed, so it changes here when the provider changes it rather than when we get round to retyping it. We deliberately do not stamp a verification date on the page: the feed does not record when a provider last reviewed a figure, so any date we printed would be our guess dressed up as a fact. Where a required number is missing from the feed we leave the field empty instead of estimating it.
How does Bankmatch make money?
Providers pay us a fee, and in most cases it falls due only if a reader goes on to be approved for or take up the product; on a few products it is a percentage of the amount borrowed. That never changes the order: it is computed from the price the provider publishes, before any commercial term is read, and placement is not for sale. The methodology page sets out exactly how the order is derived so you can check a list against it.