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Wells Fargo Business Online® Wires

Need money to get there quickly and securely?

Use wire transfers to send funds in those business situations when timing matters

The way to send money when faster is better

Around the globe

With Wells Fargo Digital Wires  you can send money to both personal and business accounts in the U.S. and more than 200 countries. Wells Fargo charges a $30 fee for digital wires and a $40 fee for branch wires. Other fees may apply. Fees may be waived if funded from an eligible Wells Fargo account type.

When timing is key

Domestic digital wires are typically sent the same business day if they are submitted by 3:00 pm Pacific Time. Otherwise, they will be sent the next business day. Delivery times may vary for international wires, depending on your recipient's country.

Convenience matters

With digital wires, you can add a recipient once, and we’ll save their info for next time.

When currency counts

 
Send international wires in the currency that works for you – in U.S. dollars or in foreign currencies.
 
 
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How to set up and send online wires

  • Sign on to Wells Fargo Business 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

  • Sign on to Wells Fargo Business Online, go to Transfer & Pay, and select Wire Money to get started.
  • Add your recipient, select funding account, and enter the amount you’d like to wire. Some international wires require additional details that will be requested based on your recipient’s country.
  • Review and send your payment.

You must have a current residence in the United States to send a digital 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 digital wires.

For your security, we limit the amount of money you can wire digitally. The amount you can send will vary based on your account and banking history, your recipient, and the transaction history of each recipient. We may adjust these limits at any time.

Your daily limit is the maximum you can send in a calendar day based on previous transactions and the recipient. Your rolling 30-day limit is the maximum you can send over a period of time going back 30 days.

To send a wire over your limit, visit a Wells Fargo branch.

Receiving limits
We don’t limit how much money you can receive with wires. However, the sender may be subject to limits on how much they can send you, based on the policies of their bank or credit union.

To send a wire, you will need:

  • Your recipient's name and address
  • The name and address 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 it, we'll help you find it on the Recipient's bank info 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 it, we'll help you find it on the Recipient's bank info screen.
  • 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. If you don’t know it, we'll help you find it on the Recipient's bank info screen.

Certain countries require additional codes as follows:

  • Australia: Australian Branch Code (BSB)
  • Canada: Canadian Routing Number
  • United Kingdom: 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.

How can we help?

Enrollment in Digital 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.

In addition to any applicable fees, Wells Fargo makes money when we convert one currency to another currency for you. The exchange rate used is set by Wells Fargo, includes a markup and may be different than exchange rates you see elsewhere. For additional information related to Wires and foreign currency wires, please see the Online Access Agreement or applicable service documentation.

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

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