Question 1

What's the difference between routing numbers and ABA numbers?

Accepted Answer

Routing numbers and ABA numbers are the same thing. Both terms refer to the nine-digit code used to identify U.S. banks for processing direct deposits, wire transfers, and bill payments. "ABA" stands for the American Bankers Association, which developed this system, so "ABA number" is another way to refer to the routing number.

Question 2

Are SWIFT codes and routing numbers the same?

Accepted Answer

No, SWIFT codes and routing numbers are not the same. SWIFT codes are used for international transfers to identify banks globally while routing numbers are used for domestic transactions within the U.S. to identify banks and financial institutions.

Question 3

When should I use a wire transfer?

Accepted Answer

Use a wire transfer for domestic or international money transfers. This type of transfer may have additional fees.

Question 4

Is it safe to send money online with Remitly?

Accepted Answer

Sending money online with Remitly is safe and secure. We guarantee that your transfers to the United States will be delivered reliably and on time. We'll refund the transfer fees if your money doesn’t arrive by the date and time we promise.

Question 5

How much does it cost to send money with Remitly?

Accepted Answer

The cost of sending money depends on the amount, payment method, and delivery option you select. At Remitly, we focus on offering competitive exchange rates and keeping fees low to give you the best value.

Question 6

Does Remitly offer promotions for new customers?

Accepted Answer

Yes, we regularly offer promotional rates, discounts, and bonuses to eligible new customers sending their first transfers.

Question 7

What are the ways to receive a money transfer?

Accepted Answer

Depending on the recipient's location, money can be received through [cash pickup](https://www.remitly.com/us/en/landing/cash-pickup), [mobile money](https://www.remitly.com/us/en/landing/mobile-wallet), [home delivery](https://www.remitly.com/us/en/landing/home-delivery), [debit card deposit](https://www.remitly.com/us/en/landing/debit-card-deposit), or [directly into a bank account](https://www.remitly.com/us/en/landing/bank-deposit). Be sure to inform the sender of your preferred method.
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Recipients don't need a Remitly account to receive money, but the sender [must have an account](https://www.remitly.com/us/en/help/article/sign-up) to send funds.

M&T routing number in the United States

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What is the routing number for M&T?

Example routing number

1111

2222

3

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