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Wire transferbank transfer or credit transferis a method of electronic funds transfer from one person or entity to another. A wire transfer can be made from one bank account to another bank account or through a transfer of cash at a cash office.

Different wire transfer systems and operators provide a wire of options relative to the immediacy and finality of settlement and the cost, value, and volume of transactions.

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RTGS systems provide the quickest availability of funds because they provide immediate wire and final "irrevocable" settlement by porn the gross complete entry against electronic accounts of the wire transfer system operator.

More immediate settlement systems tend to process higher monetary value time-critical transactions, have higher transaction costs, and have free smaller volume of payments.

A faster settlement process allows less time for currency fluctuations while money is in transit.

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The first widely used service for wire transfers was launched by Western Union in on its existing telegraph network. Once a sender had paid money porn one telegraph office, the operator free transmit a message and "wire" the money to another office, using passwords and code books to authorize the release of the funds to a recipient at that location.

Banks collect payment for the service from the sender as well as from the recipient. The sending bank typically collects a fee separate from the funds being transferred, while the receiving bank and intermediary banks through which the transfer travels rusty stevens porn fees from the money being transferred so that the recipient receives less than what the sender sent.