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ExpressSend® Mobile FAQs

About ExpressSend®

ExpressSend lets you quickly and easily send international transfers to family and friends.

It generally has lower fees and lower limits than wire transfers and offers the flexibility to send money to a bank account or cash pickup location.

ExpressSend is a person-to-person international transfer service that lets you send money to family and friends in two ways:

  • Bank account: Send money to your recipient’s account.
  • Cash pickup: Send money to a supported location where your recipient picks up cash.

  • Sign on to the Wells Fargo Mobile® app.
  • Go to Transfer & Pay, tap Transfer Internationally, and agree to the ExpressSend® on Mobile Disclosures to get started.
  • Add a recipient, then select your funding account, and enter the amount you’d like to send.
  • Review and send your payment.

ExpressSend does not support repeating or future-dated transfers; you must initiate each transfer

Note: If you are enrolled in branch and online ExpressSend services and you agree to the mobile terms and conditions, you can only use ExpressSend in the mobile app. You’ll no longer be able to use it in a web browser, at a branch, or by phone. 

  • From the Who are you sending to? page, tap Add recipient.
  • Enter your recipient’s name, phone number, and address in the country you’re sending money to (no PO Boxes).
  • Add a way to send money to them. You’ll need their eligible bank account or their preferred cash pickup location.

You can have up to 10 recipients.

You can cancel an ExpressSend transfer within 30 minutes of completing it. To cancel a transfer:

  • Sign on to the Wells Fargo Mobile® app.
  • Go to Pay & Transfer, then tap Transfer Internationally.
  • Tap Activity and find the transfer you want to cancel.

You can also call ExpressSend Customer Service at 1-800-556-0605.

All funds will be refunded to you within three business days, including fees and taxes, unless the transfer has already been picked up by your recipient or deposited to their account. If you decide to cancel after 30 minutes, we will do our best, but can’t guarantee it.

You can read the ExpressSend Sender’s Rights for more information.

The total daily amount you can send to a recipient varies by country and receiving location. The minimum you can send is $25. There are also limits on the total amount and number of transfers you may send over various time frames.

You can view the limits for the receiving location you’re sending to from the How much are you sending? page in the app. 

Wells Fargo does not charge enrollment fees, monthly or annual fees, or fees to your recipient.

Wells Fargo charges a transfer fee for each transfer, which varies by country. You can see the fee for your transfer from the How much are you sending? page in the app.

If you’re sending money to a country where transfers are sent in the foreign currency, Wells Fargo offers competitive exchange rates, so more of your money gets to your recipient with ExpressSend. 

ExpressSend is only for person-to-person international transfers.

Keep in mind that some countries restrict transfers to minors, so make sure your recipient is eligible before you send them money.

For commercial or business-related payments, Wells Fargo offers an array of other services that may meet your business needs. Please consult with your personal banker for more information. 

To send money to a bank account, you’ll need your recipient’s name as it appears on their account and their eligible account number. For some countries, you’ll need an additional code:

  • Mexico: CLABE
  • India: IFSC Code

To send money for cash pickup, you’ll need to provide your recipient’s name exactly as it appears on the government-issued ID they’ll use when picking up the transfer.



Your recipient must go to a supported location to pick up the money. Some locations may require additional verification, such as a fingerprint scan or photo.



Your recipient has 15-30 days from the availability date to pick up their money; otherwise, the transfer will be canceled and your money will be refunded, including fees and taxes.

ExpressSend transfers to Mexico, Dominican Republic, Guatemala, Honduras, Colombia, India, and Philippines are made in the currency of the receiving country. Transfers to Ecuador, El Salvador, Nicaragua, Peru, and Vietnam are made in U.S. dollars. 


If you send money to your recipient’s account in one of the countries where transfers are sent in the foreign currency, your recipient’s account must be denominated in the currency of the receiving country. ExpressSend transfers are not FDIC-insured. 


If you send money to your recipient’s account in one of the countries where transfers are sent in U.S. dollars, your recipient’s account must be denominated in U.S. dollars.

Wells Fargo offers competitive exchange rates, so more of your money gets to your recipient with ExpressSend. You can see how much it will cost to send money to your family and friends from the How much are you sending? page in the app.

You must be a sole owner, a primary or secondary joint owner, or have power of attorney on the funding account to use ExpressSend. Certain accounts such as business accounts, CDs, retirement accounts, and some others, are not eligible as the funding account for an ExpressSend transfer.

Any cash pick-up transfer not picked up by the recipient within 15 days for Bancolombia, Banco Davivienda, and Grupo Éxito, and within 30 days for all other receiving locations, will be canceled without notice. Unclaimed funds will be credited back to the sender’s funding account. If the funding account has been closed, a check will be sent to the sender’s most recent address on file.

Not all delivery methods (transfer to account or cash pick-up) are available at all receiving locations. The credit to account or the cash pick-up delivery methods for international transfers may not be available at all receiving locations. When transferring money to an account, we will need the recipient’s qualifying deposit account number at the receiving location. When transferring money for cash pickup, the recipient’s name provided by the sender must exactly match the recipient’s name on their government issued identification.

Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Due to unanticipated conditions such as natural disasters, civil disturbances, system issues, currency availability, local regulatory requirements, required receiver action(s), and/or location-specific security concerns, cash pickup transfers may not be available in certain receiving locations. If your recipient experiences any issues with their cash pickup, contact us at 1-800-556-0605.

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