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Transfers initiated before the cut-off are delivered within the same or next working day. Transfers after the cut-off are processed the following working day.
Payout Currency | Destination | ANEXT Flash Cut-off Time (Local) |
EUR/USD | HK | 17:45 GMT+8 |
EUR | EEA | 15:15 GMT+1 |
USD | US | 15:00 GMT-5 |
CNH/USD | MYBANK | 24*7 |
You may perform spot FX conversion from supported ANEXT Business Account currencies (SGD, USD, EUR, CNH) into eligible payout currencies and remit the converted amount via ANEXT Flash.
An ABA Routing Number is a 9-digit code that identifies a US bank. It is required only when sending USD to a US-based recipient via ANEXT Flash, as funds may be routed through the Automated Clearing House (ACH) network. You do not need one for transfers to Hong Kong or EEA countries. Check with your recipient for their ABA number before initiating a US transfer.
ANEXT Flash charges a single flat fee with no hidden deductions. Please refer to the ANEXT Fee Schedule for the latest rates.
ANEXT Flash is a cross-border transfer service that allows businesses to send USD and EUR to selected countries within 1 working day. Payments are routed via secure local rails in the US, Hong Kong, and Europe, so your recipient receives the full amount* you send.
*Subject to respective local market charging practices. Selected beneficiary banks may levy a separate service fee to your beneficiary.
ANEXT Flash currently supports:
For transfers to unsupported currencies or countries, SWIFT remains available as an alternative.
| Payout Rails | ANEXT Flash | SWIFT |
|---|---|---|
| Speed | 0-1 working day | 1-5 working days |
| Cost | Lower. Single flat fee. | Variable by charge option |
| Full Amount Delivered | Yes* | Requires OUR option (additional fee) |
| Coverage | USD/EUR to US/HK/EEA USD/CNH to MYBANK | 10 currencies, broader country reach |
| Proof of Payment | Yes (Except Beneficiary Bank is MYBANK) | Yes |
| Business Hour | Cut-off schedule at currency-destination level** | NA |
| ABA Routing Number | Required if the beneficiary bank is located in US | ABA is not required, however, Intermediary bank BIC would be needed wherever applicable |
| Best use case | Sending to supported currency and countries pair | Sending to unsupported currencies and countries, or where Flash route is unavailable |
*Subject to respective local market charging practices. Selected beneficiary banks may levy a separate service fee to your beneficiary.
**Flash cut off schedule (Local)
You can perform overseas transfers via SWIFT from your ANEXT Business Account in CNH, EUR, GBP, HKD, JPY, KRW, MYR, SGD, THB, and USD.
The daily transfer limit from your ANEXT Business Account for local and/or overseas transactions across all payment channels is $1 million (SGD equivalent).
You will be charged in the currency that you’ve initiated the transfer in. Please ensure your account has sufficient funds including any transfer-related fees before initiating the transfer.
Enjoy competitive flat fees for outward telegraphic transfers (OTTs) starting from USD 10, SGD 15, CNH 125 or EUR 10 depending on the charge option you select.
You can select from one of the following charge options when performing OTTs without FX (Only for currencies CNH/EUR/SGD/USD that you hold in your ANEXT Business Account). For all other OTTs with FX performed, the charge option will default to ‘SHA’.
●BEN: Charges borne by the beneficiary
●SHA: Charges shared
●OUR: Charges borne by the remitter
Please refer to the fee schedule for more details.
OTT via SWIFT typically takes 1 – 5 working days. Do note that if your OTT is made before a weekend or public holiday, the transfer will only be processed on the next working day.
As a regulated financial institution, all transfers made from an ANEXT Business Account are subject to regular reviews and regulatory checks. As part of the checks, we may reach out to you for additional information. These checks are also conducted by the other parties involved such as the intermediary and beneficiary banks, which may result in delays to your OTT.
