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Our Transfer conditions

Transferring money internationally has limitations, so doing it correctly requires an understanding of the law. Every country, bank, and transfer method abide by a different set of rules, so sending money from the Bahamas to the rest of the world can look very different than sending money to Canada or the United States.

The most important thing to remember when you send money overseas is that any amount over 10,000 BSD from the Bahamas must go through our online service, meaning that you need to create a personal account with our bank to be able to handle your transactions without major concerns. This was established by the Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) Act to prevent illegal activity. You will also want to take fees and exchange rates into account, which are ever-changing. Keeping track of everything you send or receive is imperative. Let’s delve into the proper practice for an international money transfer and the limits that go along.

What do I need to complete an international money transfer?

Our bank will walk you through the necessary steps to complete an international money transfer, especially if it is a large amount. Check with your bank to verify what is required, but be sure to prepare the following documents for most international money transfers with a limit of 10,000 BSD or above:

An approved ID or passport

Proven address on official mail

The reason for the remittance

A Tax File Number (TFN) or Social Security Number (SSN)

Bank account authentication

 

When sums exceed the above amount, additional paperwork may be involved. You might be wondering, “Why is 10,000 BSD the maximum in the Bahamas?” In the United States, this number was determined by the IRS to target terrorists attempting to launder money or commit a crime. With this cap in place, it is easier for governments such as The Bahamian Transaction Reports and Analysis Centre, to uncover tax evaders or individuals trying to hide large deposits.

For business-related overseas transfers (monetary limits over 10,000 BSD), institutions will need to see:

Certificates that show the address and possibly even a date of birth for the recipient

The reason for making the transfer

Bank statements for your business’ monthly profits/income and payroll

Receipts (typically for real estate or purchases on provisions made abroad)

Copy of Money Order Certificate



When it comes to international money transfers, limits and liability are laid out extensively. The terms are designed to keep you safe.

What is the best method for sending money internationally?

The avenues to make international transfers are numerous and often depend on personal preference, time frame, and price. The short answer is, the “best” way to send money internationally is subjective. Do you need the funds to arrive immediately or are you willing to sacrifice speed to save money on fees? Extra fees and exchange rates can drive bottom lines if you’re not careful, so to help you decide what works best, choose between a few main selections.

We have the upper hand when it comes to familiarity. Branches use middlemen like the Society for Worldwide Interbank Financial Telecommunication (SWIFT) to help get your international money transfer moving, limiting the final total that arrives to your recipient and subtracting markups. We usually calculate the four separate fees in one:

     1.) The outgoing cost

     2.) The incoming cost paid by whoever expects the payment

     3.) Fixed rates withdrawn by institutions within the SWIFT network

     4.) Currency exchange rates

We adhere to set of rules for market/exchange rates and do not have to provide add-ons upfront. Often, this will reduce the cost of your sending out with our bank.

When weighing your options for lower amounts, you might want to consider outside services like Western Union. When it’s a huge amount, we take the responsibility by giving you our online access to fulfil your transaction. We can provide you an estimate for the cost of your international money transfer before you transfer funds. You just need to fill out our money order affidavit and perform the legal steps. You can send money quickly  online as well depending on your transaction type.

 

Rules and regulations: Sending money internationally online from the Bahamas.

In Bahamas, international money transfer regulations are simple to follow. The market is in the top 50 for remittances worldwide and grew to over a billion this past year but demands remain far less complicated. Regardless, they should be followed appropriately to avoid penalty. As mentioned above, 10,000 BSD is an important number to remember. This is the threshold that determines if you’ll need to report your cash or digital transfer to the Bahamas governing authorities. In this case, that would be BAHTRAC and it must be completed no more than 10 days after the international money transfer. If the limit has been met or surpassed, you’ll be asked to submit an International Funds Transfer (IFTI) or Money Order Certificate (MOC) per KYC/AML regulations. You can complete this in hard copy form or get an agent. Also, sums over 10,000 BSD brought into Bahamas are subject to taxes, so speak to our accountant before transporting large sums across borders.

How much money can I send internationally with The Andrewsbank?

Andrewsbank’s overseas money transfer limits depend on several factors including where you are sending money to, how you are sending the money, and how your receiver will get the funds. If you are sending money from Bahamas online, the maximum daily transaction limit is 2,000,000 BSD, but your specific daily transaction limit will vary based on the service you choose and your transaction history. When you register your profile, you will be able to see your transaction limit.

Send money internationally with ease when you choose Andrewsbank

If you need a fast and reliable way to send money internationally, Andrewsbank lets you send and receive money in a way that’s convenient for you. Transfer funds now online, on the go with our official website; https://andrewsbank.ch/, or stop in at one of over 70 agent locations* worldwide. Whether you need to support friends, family and business nearby or around the globe, The Andrewsbank is there for you.

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Contact Us: 

3M9G & F32, Mackey St, Nassau, Bahamas.
Tel: +1-866-756-9381
Mailto: contact@andrewsplazabank.com