You now have three ways to send USD from your nsave account: IBAN, ACH, and RTP. The right choice depends on where the money is going and how fast it needs to arrive.
Quick comparison
Rail | Best for | Speed | Fee |
IBAN | International USD transfers (outside the US) | 2-10 business days | $9.99 for PRO plan and $12.99 for FREE plan |
ACH — Same Day | US bank accounts and US platforms, when funds need to land today | Same business day | $1 |
ACH — Next Day | US bank accounts and US platforms, cheapest option | Next business day | $0.50 |
RTP | Instant transfers, when the recipient's bank supports it | Within 1 hour | 1% (min $2, max $40) |
When to use IBAN
Use IBAN when you're sending USD to a recipient outside the US who has an IBAN-enabled USD account. This is the most common rail for international USD transfers.
When to use ACH
Use ACH when you're sending to a US bank account or funding a US-based platform (payment processor, marketplace, exchange, etc.).
ACH comes in two speeds, and you pick the one you want at the moment of sending:
Same Day ACH — $1. Funds land in the recipient's account the same business day. Best when timing matters.
Next Day ACH — $0.50. Funds land the next business day. The cheapest option for US destinations.
For full details, see Sending USD via ACH.
When to use RTP
RTP (Real-Time Payments) is the fastest option — funds reach the recipient within an hour — but it only works when the recipient's bank supports the RTP network. If RTP isn't supported for the recipient's bank, the app will tell you upfront so you can fall back to IBAN or ACH.
Use RTP when speed matters most and the recipient's bank is on the network.
RTP fee: 1% of the transfer amount, with a $2 minimum and a $40 maximum. For example:
Sending $10 → $2 fee (minimum applies)
Sending $500 → $5 fee (1% of the amount)
Sending $10,000 → $40 fee (maximum applies)
How to choose in the app
When you tap Send from your USD account and enter a US recipient's details, you'll see the available rails side-by-side with their fees and estimated delivery — for example:
Same Day (ACH) — Today — $1
Next Day (ACH) — next business day — $0.50
Instant (RTP) — Within 1 hour — 1% (min $2, max $40)
Pick the one that fits your needs based on speed and cost. The Review screen will show the exact fee and estimated delivery for the rail you chose before you confirm.
Need help? Reach out to support@nsave.com from the Help section in the app.