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How to use Wise to receive RSU payouts as an American
For many American professionals, Restricted Stock Units (RSUs) represent a significant – and often complex – portion of their total compensation.
The logistics of receiving those funds can be a headache, especially when you're trying to avoid the steep currency conversion fees and wire charges typical of traditional banks.
Wise can help you avoid the unfavorable exchange rates offered by many equity platforms and direct your payouts into a dedicated USD account.
This guide walks you through receiving your RSU payouts using Wise.
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Step-by-step guide for receiving RSU payouts in the US using Wise
Step 1: Set up Wise account for receiving
Follow these steps to make sure you have USD account details to receive the cash payout: 34
- Open Wise (app or web) and add USD to your account.
- Go to your USD balance and select Get account details.
- Once enabled, open USD → Account details and copy/save:
- Routing number (for ACH or Wire)
- Account number
- Your name as shown on the Wise account
- Receiving ACH payments is generally free. Domestic wires and international Swift payments incur a small receiving fee of $6.11
Step 2: Add Wise as your payout bank in your RSU broker portal
In your broker/RSU platform, go to Payout / Transfer / Distribution / Bank instructions and choose USD as the payout currency. 4
If the broker is paying from a US bank, select ACH (preferred) or Domestic wire and enter: 4
- Routing number (ACH or Wire—use the one your broker asks for)
- Account number
- Account type: Checking (Wise explicitly notes “Checking” for sender forms)
- Account holder name (your name as shown on Wise)
If the broker is paying from outside the US (or insists on international wire), choose Swift and enter the international USD details shown in Wise, typically:5
- Swift/BIC
- Account number
- Bank name and address (from your Wise USD account details screen)
- Include required addresses (Wise notes Swift payments without addresses may be rejected)
Step 3: Receive your payout in Wise
When the payout arrives, it will be credited to your USD balance in Wise and appear in Transactions. From there you can hold USD, convert, or send to an external bank account. 4
P.S. If your broker asks for verification of your bank details, download a proof of account details document from Wise (USD balance → three dots → Get proof of account details). 1
How long does it take to receive your RSU payout with Wise?
How long it takes to receive funds in your Wise account depends on the currency, payment method, and whether the payment was sent on a weekend or holiday. For USD, Wise provides typical timelines: 2
- ACH: usually within hours, and up to 4 working days
- Wire: usually within minutes, and up to 1 working day
- Swift: usually 1 working day, sometimes up to 6 working days
Important considerations regarding receiving RSUs with Wise
RSUs are shares, but most people ultimately need to receive cash proceeds (for example, after shares vest and are sold, or after taxes are withheld).
Wise can help you receive the cash payout into your Wise balance using your USD account details.1
Wise also has an “Assets → Stocks” feature, but that’s for investing money you already have in Wise into a fund Wise offers (not for receiving/holding RSUs from an employer plan).
With Wise, you can send secure and trackable large amount transfers to 140+ countries worldwide with transparent fees and the fair mid-market exchange rate.
Have a look at the main benefits for using Wise to send large transfers:
- Dedicated support for large transfers
- Fast and easy setup with no physical paperwork
- Upfront, transparent fees
- Fully trackable transfers
- Fast transfer times
- Two-factor authentication and real-time notifications
Sources
- Wise help – Holding your money as stocks
- Wise help – How long does it take to receive money into my Wise account?
- Wise help – How do I open account details to receive money?
- Wise help – How do I receive money with my USD account details?
- Wise help – How your Wise account details work
- Wise help – How can I get an account details document?
Sources checked 06/18/2026
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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