Each country or region has its own currency. Generally, using the local currency of the country or region results in faster processing times. For example, sending US dollars to a US bank account, Singapore dollars to a Singapore bank account, or Hong Kong dollars to a Hong Kong bank account will typically be credited on the same business day. However, if you use a currency that is not native to the country or region—such as sending Singapore dollars to a US bank account, US dollars to a Singapore bank account, or US dollars to a Hong Kong bank account—the funds will usually be credited on the same day or the next business day, but the processing may be slower.