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Confused man scratching his head, standing between the terms 'ACH Transfers' and 'SWIFT Payments,' representing confusion and uncertainty about international payment methods.

ACH Transfers vs SWIFT Payments: What's the Difference?

When it comes to sending money electronically, especially across borders, two major systems often come up: ACH and SWIFT. While both methods are widely used for transferring funds from one bank account to another, they serve very different purposes and operate in distinct ways.

18 December, 2025

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