Pay-to-Banks
Offer transparent bank transfers
Enable reliable real-time payments to any bank, anywhere. With instant transfers, traceable transactions and transparent fees, Thunes’ global network makes cross-border payments as efficient and seamless as domestic transfers.
Whether making payments to personal or business accounts, one simple, single API integration provides access to our global network of 4 billion bank accounts. Plug in, and get connected.

Why Pay-to-Banks?
The traditional legacy correspondent banking system is broken – and it is making cross-border payments painful. Endless intermediaries. Continual delays. No transparency on the payment status.
This means a slow, frustrating, high-friction experience for both sender and recipient – which Thunes can easily solve.
Cross-border payouts to bank accounts offer a secure and convenient way to transfer funds internationally. This method is widely accepted and trusted, making it a reliable solution for individuals and businesses seeking efficient cross-border payment solutions.


Thunes gives you access to
4bn
bank accounts
Pay-to-Banks with Thunes: key benefits
A truly global network
Enable your customers to make payments to any of the 4 billion bank accounts across the world. Fast, secure and seamless solutions – with just one API integration.
Transparency at every touchpoint
Upfront FX rates and fees and fully traceable transactions, for peace of mind and an enhanced customer experience. No delays, no confusion – just transfers that you can trust.
Business and consumer banking
Whether paying to personal or business accounts, your customers benefit from instant and efficient worldwide payments. Drive connectivity, to grow your global reach.
Pay-to-Banks features
Connect to local networks and real-time payment systems
Benefit from instant or same-day transactions and access more than 60 local, real-time payment systems in one single, unified structure. Reduce the risk of payment delays with faster settlement times.
Our network is optimised for both consumer and business payment use cases, to expand your reach and enhance connectivity.

Transparent transaction status
Improve customer trust, reduce the risk of disputes and improve reliability with greater visibility into the payment process.
We provide real-time reporting, instant payment confirmation and enriched transaction information for an enhanced customer experience.

Streamlined business payments, without high transaction fees
Connect to Thunes’ Pay-to-Bank network and efficiently handle business payments of all sizes without incurring high transaction fees.
Leverage modern and robust payment rails to complement your correspondent banking systems, and offer your business customers efficient processing for invoices and supplier payments.

Transparent pricing and FX
No intermediaries. No hidden fees. No endless delays. Just fast, transparent and reliable payments at up to 10x cheaper than most bank transfers.
With full visibility on transaction prices and FX fees for payouts, beneficiaries can easily understand the amount they will receive in their local currency.
Build trust with recipients, reduce errors in payouts and minimise disputes, in one seamless flow.

Our customers
We power payments for the world’s most ambitious businesses















What our clients say

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