Which money transfer method should I use?

Which transfer method should I use for my Zenus Bank account? 

If you’re an existing member of Zenus Bank you can benefit from the following money transfer methods we offer: 

Zenus Transfers (US domestic/international) 

A Zenus member exclusive service, Zenus Transfers enable free and instant money transfers to other Zenus Bank members anywhere in the world. International transfers can be costly and time-consuming however, due to our licensing status as an IFE (International Financial Entity), we address this problem by making it free for Zenus Bank members to transfer money to each other, wherever they are in the world. 

ACH payments (US domestic) 

ACH (Automated Clearing House) payments are a low-cost, high-speed alternative to ZenTransfers, if your recipient isn’t a Zenus Bank member. Used for US domestic transfers only, ACH transfers typically take between 1-2 business days to reach the recipient. ACH transfers cost $15 and are free to receive, however may be subject to additional charges from the sending bank.

Wire/ SWIFT (US domestic/international) 

SWIFT payments (commonly known as international wires) can be used to make and receive payments in over 40 currencies internationally or domestically. SWIFT payments typically take between 3-5 days to reach the recipient and cost $25 to send. While free to receive, SWIFT payments may be subject to additional charges from the sending bank.