Wells Fargo Online ® Wires

With Wells Fargo Online Wires you can send money to both personal and business accounts in the U.S. and 200+ countries. Additional fees may apply.

When timing is key

Domestic and International Wire Transfers sent through Online Wires are typically sent the same business day if they are submitted by 2:00 pm Pacific Time. Otherwise, they will be sent the next business day. Easily access your online wires history through Wells Fargo Online.

Convenience matters

With online wires, you can:

• Add a recipient once – we’ll save the details for next time
• Set your mobile language preference to Spanish

When currency counts

• In Foreign Currencies
• In U.S. dollars

How to set up and send online wires

• Sign on to Wells Fargo Online.
• Select Wire Money in the Transfer & Pay menu.
• Add recipient details.
• Send the wire (You must have a valid U.S. Mobile number or secure ID device to wire money).

Frequently asked questions

How do I send an online wire?

• Sign on to Wells Fargo Online, go to Transfer & Pay, and enroll in Online Wires to get started.
• Add your recipient, select funding account and amount (along with any additional details required for certain countries).
• Review and send your payment.

You must have a current residence in the United States to send an online wire. Customers living in U.S. territories (American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands) or other countries can’t send wires online.

How much money can I send with Wells Fargo Online ® Wires?

For your security, we restrict the amount of money you can send to recipients online. You will be able to review any limits before completing your wire transfer in online banking. To request higher limits for online wires, please visit your local branch.

What information do I need to wire money through Wells Fargo?

To send a wire, you will need:

• The name and address of your recipient
• The name of your recipient’s bank
• A valid U.S. mobile number or RSA SecurID ® device

To send a domestic wire, you will also need:

• The routing (ABA/RTN) number for your recipient’s bank. If you don’t know your routing number, we can look it up for you on the Add Recipient screen.
• Your recipient’s account number

To send an international wire, you will also need:

• The SWIFT/BIC for your recipient’s bank. A SWIFT code or Bank Identification Code (BIC) identifies the bank that will receive your wire transfer. If you don’t know this, contact your recipient’s bank.
• Your recipient’s International Bank Account Number (IBAN). An IBAN identifies specific bank accounts at international banks. Depending on the country, we may ask you to provide an IBAN when you send an international wire transfer.

Certain countries require additional codes as follows:

• Australia: Australian Branch Code (BSB)
• Canada: Canadian Payment Routing Number
• Great Britain: U.K. Sort Code
• India: IFSC Code
• Mexico: CLABE
• New Zealand, Cook Islands, Niue, Pitcairn and Tokelau: New Zealand Clearing Code
• Some countries also require you to provide a purpose of payment

Enrollment in Wells Fargo Online ® Wires is subject to eligibility requirements, and terms and conditions apply. Applicable outgoing or incoming wire transfer service fees apply, unless waived by the terms of your account. Your mobile carrier’s message and data rates may apply. For more information, see the Wells Fargo Online Access Agreement and your applicable account fee disclosures for other terms, conditions, and limitations.

Whether or not the wire transfer fee is waived, Wells Fargo makes money when we convert one currency to another currency for you. The exchange rate used when Wells Fargo converts one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees. The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar. The applicable exchange rate may vary based on such factors including, but not limited to, currency pair, transaction size, payment channel and product type, such as foreign currency cash, checks, remittances, and wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. Wells Fargo is your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.

Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange rate without prior notice to you. For more information, see the “Applicable Exchange Rate” and “Incoming international wire transfer” sections of the Deposit Account Agreement.

Fees may be charged by third parties or other banks, in addition to those described above.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.