Abstract: Systems and methods aggregate transfer of funds between financial areas. A first server located within a first financial area receives a first transfer request to transfer funds from the first financial area to a second financial area. The first server communicates with a second server located in the second financial area to receive a second transfer request to transfer funds from the second financial area to the first financial area. A first exchange rate for the first transfer request and a second exchange rate for the second transfer request are determined and an aggregation amount is determined by aggregating the first and second transfer requests based upon the first and second exchange rates. Funds are sent to a recipient within the first financial area based upon the second transfer request and the second exchange rate and the aggregation amount is transferred between the first and second financial areas.