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International transfers

How long does it take?


Bank clerk:	—	Hello. Can I help you, ma´am?
Mary Jones:	—	Yes. Could you tell me how to send some money to someone with an account with a bank in Germany?
Bank clerk:	—	Well, you can pay by mail, telegraphic or SWIFT transfer. Or you can have a banker´s draft and mail it yourself to the beneficiary.
Mary Jones:	—	Which is the best way?
Bank clerk:	—	It depends on the amount and how fast you want that person to receive the money. A SWIFT transfer is the fastest method but a banker´s draft is usually the cheapest. How much do you wanna send?
Mary Jones:	—	$800.
Bank clerk:	—	Why don´t you send it by mail payment order?
Mary Jones:	—	How long does it take?
Bank clerk:	—	About a week.
Mary Jones:	—	I don´t know. Can I send it more quickly?
Bank clerk:	—	Sure. You can have a Telegraphic or a SWIFT transfer.
Mary Jones:	—	And how long do those take?
Bank clerk:	—	Both a Telegraphic Transfer and a SWIFT transfer will normally be credited to the payee´s account within three or four working days, depending on whether the beneficiary´s bank is among our correspondent banks or we have to route the transfer through a third bank.
Mary Jones:	—	I see. How can I pay by Telegraphic Transfer?
Bank clerk:	—	You have to fill out this form, ma´am.