Wells Fargo Wire Transfers: How to Send & Receive Money

This article was reviewed by Alex Kwan and by wikiHow staff writer, Nicole Levine, MFA. Alex Kwan is a Certified Public Accountant (CPA) and the CEO of Flex Tax and Consulting Group in the San Francisco Bay Area. He has also served as a Vice President for one of the top five Private Equity Firms. With over a decade of experience practicing public accounting, he specializes in client-centered accounting and consulting, R&D tax services, and the small business sector.

There are 7 references cited in this article, which can be found at the bottom of the page.

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Wiring money is a fast and easy way to pay someone. As a Wells Fargo customer, you can send money online or in person and receive wire transfers. To do a wire transfer, you’ll need to gather the required information so the wire can go through smoothly. This wikiHow guide will teach you how to do a Wells Fargo wire transfer online, in person, and over the phone. We'll also show you how to receive a wire transfer and cover some tips for wire transfer safety.

• To start a wire transfer online, log in to your Wells Fargo online banking account, click "Transfer and Pay," and select "Wire Money."
• You will need the recipient's name, address, routing number, and other bank account details to wire them money.
• To receive a wire transfer, provide the sender with your name, address, full bank account number, routing number, and other details.

Sending Money Online

• You can wire money internationally, but you must have a US-based address and phone number to use Wells Fargo's online wire transfer service. [2] X Research source
• Online wire fees start at $25. Review your consumer account fee and information schedule or call 1-800-869-3557 for more information.

• If you haven't wired money through your Wells Fargo account yet, follow the on-screen prompts to enroll now.
• If you're looking for a fee-free way to transfer money from your Wells Fargo account to another bank account, WF also supports Zelle. [4] X Research source

• The recipient’s name and address.
• The name, address, and country of their bank.
• Their bank’s routing number (if domestic), or the 8 or 11-digit SWIFT/BIC number if you're sending money abroad.
• The recipient’s bank account number or IBAN.
• Some countries require additional information, such as the International Routing Code (IRC), IFSC, or Mexican CLABE number.

• If you need to wire more than your limit, go to your nearest Wells Fargo branch.

• If you want the money to arrive on the same business day, send the transfer before 2:00 PM Pacific Time. [5] X Research source Otherwise, the money will arrive the next business day.
• You can monitor the status of your wire transfer by returning to this screen.
  • Scheduled means the transfer has not yet been processed. At this stage, you can still cancel the transfer.
  • Pending means the wire is in process and can no longer be canceled.
  • Completed means the money has been sent to the recipient.
  • Failed means the wire transfer could not be completed. If you see this message, the money will be returned to your funding account.
  • Returned means the recipient's bank did not accept the transfer. Your funds will be returned to your account.
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  Wiring Money in Person or By Phone

  

  • Your Wells Fargo account number and PIN.
  • The recipient’s name and address.
  • The name and address of their bank.
  • Their bank's routing number (if domestic) or Swift Code/BIC (if international).
  • Some countries require additional information, such as the International Routing Code (IRC), IFSC, or Mexican CLABE number.
  • The recipient’s bank account number or IBAN. [6] X Research source
  • If you want to wire money over the phone, you will need to complete a Wire Agreement at a Wells Fargo branch first. You will also get your personal identification number (PIN), which can take up to 2 weeks to arrive.

  

  • If you're sending money to Mexico in Pesos or to Canada in Canadian Dollars, you'll need to initiate the transfer before 12 PM CT / 1 PM ET for it to arrive the same business day. Otherwise, it will be processed the following business day. [7] X Research source
  • If sending a tax payment or an international wire transfer from a consumer account, send it before 3 PM CT / 4 PM ET to arrive the same business day.
  • For a same-day wire transfer between two Wells Fargo accounts, initiate the transfer before 7 PM CT / 8 PM ET.

  

  • If wiring money in person, tell the bank representative that you want to wire money to someone. They will provide you with a wire transfer form to fill out. Enter all of the details you collected earlier, and sign the document in front of the bank representative. Be sure to ask about fees before going through with the wire transfer.
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  Receiving a Wire Transfer

  

  • Wire Routing Transfer Number ABA / RTN (domestic): 121000248
  • International SWIFT/BIC code (international): WFBIUS6S
  • Bank Name: Wells Fargo Bank, N.A.
  • Address: 420 Montgomery, San Francisco, California, 94104. Use this address regardless of where your account is located.
  • The full name and address that appear on your account statement.
  • Your full account number, including the leading 0s at the beginning.
  • CHIPS Participant code: 0407

  

  • You can receive funds in US dollars and foreign currency. However, to receive a foreign currency transfer, call 1-877-593-2468 to inquire about exchange rates.

  

  Pay the fee. You need to pay a $15 fee to receive a wire transfer, which will be deducted automatically from the transfer once it is deposited into your account. Call 1-800-869-3557 for more information about fees or talk to a banking representative.

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  Security Tips

  

  • Instead of talking to the person who calls or emails you, hang up (or ignore the email) and contact the company or agency's fraud line directly. If the scammer emailed you, don't call the phone number listed in the email—go to the agency's actual website to find the real phone number.
  • If somebody claiming to be Wells Fargo asks you to wire money, call 1-866-867-5568 to report the call. Wells Fargo will never ask you to wire them money, or wire or Zelle yourself money to yourself to "receive a refund," "reverse a transfer," or for any other reason. [10] X Research source

  

  Double-check the recipient details. To avoid delays and accidentally wiring money to the wrong person, make sure you've entered the recipient's name, address, and bank details correctly. In most cases, the wire transfer will simply be canceled if the information is incorrect, but this can be inconvenient if a family member is waiting for money.

  

  Monitor your bank account for suspicious activity. Always check your transactions in the Wells Fargo app or on Wells Fargo Online to make sure there are no unauthorized charges. If you find suspicious charges, call Wells Fargo to report them.

  Advertisement References
  1. ↑https://www.wellsfargo.com/online-banking/wires/
  2. ↑https://www.wellsfargo.com/online-banking/wires/
  3. ↑https://www.wellsfargo.com/online-banking/wires/
  4. ↑https://www.wellsfargo.com/help/online-banking/wires-faqs/
  5. ↑https://www.wellsfargo.com/help/online-banking/wires-faqs/
  6. ↑https://www.wellsfargo.com/financial-education/basic-finances/manage-money/payments/ins-outs-transfers/
  7. ↑https://www08.wellsfargomedia.com/assets/pdf/personal/help/wire-transfer-quick-reference.pdf
  8. ↑https://www08.wellsfargomedia.com/assets/pdf/personal/help/wire-transfer-quick-reference.pdf
  9. ↑https://www08.wellsfargomedia.com/assets/pdf/personal/help/wire-transfer-quick-reference.pdf

  Community Q&A

  How do I transfer money into a Wells Fargo account from outside of the USA? Top Answerer

  If you have a foreign bank account, you can request the foreign bank send a wire transfer to your Wells Fargo account. Be sure to check with Wells Fargo for the applicable incoming wire instructions that you can provide to the foreign bank to ensure there are no delays in processing and receiving the wire.

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  How much money can I wire through Wells Fargo when doing a wire transfer? Top Answerer

  There is no limit to the amount of funds that can be sent through a wire transfer (aside from your account balance). If you are a business customer submitting a wire transfer online, you may have limits set that are specific to your business. If you request the wire transfer over the phone, there may also be reduced limits. For the most security, request a wire transfer in a Wells Fargo branch location.

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