---
title: Guide to SGD Transfers from Aspire USD Account
description: Follow this payment guide for sending SGD from your Aspire USD account.
---
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1. [Aspire FAQs - Indonesia](https://support.aspireapp.com/migration/faq/id?hsLang=en)
2. [USD Account](https://support.aspireapp.com/migration/faq/id/usd-account?hsLang=en)
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# Guide to SGD Transfers from Aspire USD Account
**What payment methods are used for SGD transfers?**
SGD payments are sent locally via FAST. Whereas SWIFT will be used when sending SGD to any other country.
**What types of beneficiaries can I transfer SGD to?**
You can send SGD payments to individual and business accounts.
**Is there a limit on the amount I can send?**
- **FAST:** SGD 200,000
- **SWIFT:** No Limit
**Which countries can I transfer SGD to?**
- **FAST:** Singapore
- **SWIFT:** Any countries **except** the [restricted countries here](https://support.currencycloud.com/hc/en-gb/articles/360017656199).
**How long does it take for the funds to reach the beneficiary?**
FAST transfers typically take one business day to process, while SWIFT transfers may take up to 3-5 business days to process.
**What will be reflected as the sender's name?**
- **FAST**: For SGD transfers sent through FAST, our payment partner, CurrencyCloud's local payout partner's name, will be reflected as the sender's name.
- **SWIFT:** For SGD transfers sent through SWIFT, the ultimate sender's (i.e., Aspire client) name will be reflected as the sender's name.
**What is the accepted number of characters for the BIC SWIFT?**
We accept BIC SWIFT codes with 8 or 11 alphanumeric characters.
When sending SGD payments to the USA, ABA must be used. However, when sending SGD payments to other countries, BIC SWIFT must be used.
**What is the accepted number of characters for the Payment Reference?**
- **FAST:** We only support 200 alphanumeric characters. The reference field will be truncated to fit this limit.
- **SWIFT:** Anything over 132 characters will be truncated.
**Important notes for SGD transfers**
**For FAST transfers**
- Non-ASCII characters will be converted to their ASCII equivalents or removed, to the best of our ability, in order to comply with the limitations of the domestic payment system.
**For SWIFT transfers**
- **Beneficiary Postcode** (1-12 characters)and **Beneficiary State or Province** (1 - 255 characters) will be required when you are sending payments to Canada, Mexico and the USA.
- **IBAN**: We accept IBAN with 15-34 alphanumeric characters (space permitted). When sending SGD payments to non-IBAN countries, an account number must be used. However, IBAN must be used when sending to all IBAN countries.
- **CLABE** (18 digits) must be used instead of Account Number or IBAN when sending payments to Mexico.
- **ABA:** American banks are identified by a 9-digit ABA number, known as the ‘Routing Number’. The ABA should be valid for FedWIRE payments. Some ABA values are only valid for FedACH payments. Payments to FedACH-only ABAs will fail. The ABA is required for all payments to the USA.
- **Payer Postcode** (1-12 characters) and **Payer State or Province** (1 - 255 characters) will be required when you are sending payments to Canada, Mexico and the USA
- **The payer's first name and last name** on the MT103, are joined together and truncated to 35 characters.
- **Payment Reason** stated in the MT103 is appended after the payment reference, if there is space remaining.
- Any characters not supported will be converted to EBCDIC equivalent or removed to comply with SWIFT payment network restrictions. The SWIFT network permits the use of letters, numbers, spaces, and the following symbols: / – ? : ( ) . , ‘ +.
**Questions?** Please log in to the app and reach out in the chat at the bottom right corner of the screen.
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