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        A wire transfer moves funds on an individual basis, taking money from one bank account and moving it directly to an account at. In many cases you can send a. An electronic funds transfer (eft) is a way to move money across an online network, between banks and people. For large, urgent, or international transactions, wire transfers are often the best choice despite the higher fees. In the united states, routing numbers are mainly used for three different types of transactions: Eft refers broadly to electronic payments between accounts, including online transfers and direct deposits. Electronic transfers, also known as electronic funds transfers (efts), encompass a broad range of financial transactions conducted over. A wire transfer is a payment made electronically — usually through your bank or credit union.
    
    	
		 
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