How to Send Money to the US & Things to Note - Bank Transfer, Cash Pickup, UnionPay
2026.11.04
- You can easily sign up via the app with just an ID for identity verification.
- Receiving methods include bank transfer, cash pickup, and UnionPay.
- Funds arrive on the same day with no intermediary or receiving fees.
What do you need to send money to the US?
To send money to the US, Koreans first need a Resident Registration Card or Driver's License for identity verification. Foreigners need either an Alien Registration Card or a Passport. You can sign up non-face-to-face on mobile using these documents via the Hanpass app, so there is no need to visit a bank.
Next, you need to determine the recipient's receiving method and check the required information. It is recommended to accurately verify their English name, address, ACH routing number, account number, etc.
Funds to be transferred can be recharged via bank transfer, convenience store payment, or mobile phone payment.
3 Ways to Receive Money in the US: Which Should You Choose?
You can choose between bank transfer, cash pickup, and UnionPay depending on which method is most convenient for the recipient in the US.
If the recipient has a bank account, you can easily send money by entering their information.
If the recipient does not have a bank account, they can use the cash pickup method to withdraw cash at local partner locations (Western Union, MoneyGram) using their ID and a reference number. If they have a UnionPay card, you can use the fast and convenient card transfer service without needing complex bank account information.
| Bank Transfer | Select bank transfer and enter the recipient's information (English name, address, zip code, ACH routing number, account number, account type) to easily complete the transfer. |
|---|---|
| Cash Pickup | Select cash pickup and choose a pickup location (Western Union, MoneyGram). Enter the recipient's name and mobile phone number to complete the transfer. |
| Card Transfer (UnionPay) | Select UnionPay, enter the recipient's information (name, phone number, card number), and send the money. |
Essential Things to Know When Sending Money to the US
When sending money to the US, a 9-digit ACH routing number is required along with the recipient's information and account number. The number may vary depending on how the account was created (branch/internet banking), so you must enter the number the recipient directly verified with their bank. Selecting the account type (savings or checking account) is also required, so it is good to check in advance.
Transfers arrive on average within the same day, but may be delayed depending on local circumstances. You can check the transfer progress in the Hanpass app.
The recipient receives the amount in US Dollars (USD). The applied exchange rate can be checked in the app at the time of transfer, so verifying the amount the recipient will receive along with the exchange rate before sending will give you a clearer idea of the expected amount.
4 Simple Steps to Send Money to US
1. Install the Hanpass app and complete non-face-to-face membership registration using your ID.
2. Select the US as the country and choose a receiving method (Bank Transfer, Cash Pickup, UnionPay).
3. Accurately enter the required information depending on the receiving method, such as the recipient's name and bank account details.
4. Enter the amount, check the total cost, fees, and applied exchange rate, then complete the transfer.
Fees and Remittance Limits
The limit for remitting without documentary evidence is USD 100,000 per year across all financial institutions, based on the Foreign Exchange Transactions Regulations effective as of January 2026. Once you enter the transfer amount, the transfer fee is displayed in advance in the app.
Because the transfer is processed via a pre-funding method and does not go through an intermediary bank, there are no additional intermediary or receiving fees incurred during the transfer process.
Final Checklist Before Remittance
Please double-check the recipient's name, bank information, etc., accurately before confirming the transfer.
It is recommended to proceed with the transfer after checking the applied exchange rate, fees, and expected receiving amount displayed in the app. The arrival time of the transfer may vary depending on the receiving method and local circumstances.