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Online Wires FAQ

Top questions

How do I send an online wire transfer?

  • Sign on to Wells Fargo Online, go to Transfer & Pay, and enroll in online wire transfers to initiate a wire transfer.
  • Choose your recipient, your funding account and amount (along with any additional details required for certain countries).
  • Review and send your payment.

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. Your limits are shown below the Wire amount field when sending a wire transfer.  To request higher limits for online wires, please visit your local branch.

What information do I need to complete a wire through Wells Fargo Online?

  • Name and address of the recipient / beneficiary
  • Name and address of the recipient / beneficiary bank
  • The ABA/Routing number for Domestic Wires or BIC/SWIFT for International Wires
  • Recipient / beneficiary account number
  • For wires sent internationally you might also need:
    • International Bank Account Number (IBAN)
    • International Routing Code (IRC), i.e.  (U.K. Sort Code, IFSC Code, CLABE for Mexico)
    • May require purpose of payment

Sending an online wire

What is the cut-off time to send a wire online?

Online wires are typically sent the same business day if it is submitted by 2:00 pm Pacific Time for domestic wires and international wires.  Otherwise, it will be sent the next business day.

Are there fees to send a wire online?

Fees may apply, depending on your account type. The online wire fees are disclosed at the time you input a wire transfer. For details, please refer to your Consumer Account Fee and Information Schedule, or Business Account Fee and Information Schedule, or call us at 1-800-TO-WELLS (1-800-869-3557). 

How do I add a recipient?

To add a recipient, go to the Wire Money page, select Add recipient and enter requested information.

What does my wire transfer status mean?

Scheduled - Transfer has not started processing yet and you can still cancel the wire.

Pending – Transfer is in process and you can no longer cancel the wire.

Failed - We were unable to deliver the transfer to the recipient. We will return the funds back into your account.

Canceled - Transfer has been canceled by the customer and will not be sent.

Completed - Transfer has been sent successfully.

Can a wire be canceled?

An online wire that has a status of Scheduled may be canceled. Wires initiated prior to cutoff during normal business hours generally start processing immediately and cannot be canceled. However, outgoing consumer international wires will be in Scheduled status and may be canceled for 30 minutes after you initiate the wire. Additionally, all wires obtain a Scheduled status if initiated after business hours cutoff, weekends or on holidays.  Once the status changes from Scheduled to Pending, you may no longer cancel the wire.

Customers may cancel by selecting the Cancel option within the Wells Fargo Online Wire Transfer Service, or by calling the cancellation phone number provided at the time of request.

What do I do if I am unable to complete a wire transfer online?

If you are unable to complete an online wire transfer please visit a Wells Fargo branch location.

Receiving a wire

What information will I need to receive a wire transfer?

To receive an incoming wire transfer to your account, please provide the following information to the individual or business that is sending the wire:

  • Your full account number
  • The name on your account as it appears on your statement
  • Receiving bank information such as name of bank, address of bank, and identifying numbers such as wire routing transit number and SWIFT codes
    • Bank name: Wells Fargo Bank
    • Bank address: 420 Montgomery Street, San Francisco CA 94104
    • For domestic (U.S.) wire: Wire routing transit number/ABA: 121000248
    • For international wire sent in U.S. dollars or if the currency the wire is being sent in is unknown: SWIFT Code: WFBIUS6S
    • For international wire sent in a foreign currency from the initiating bank: SWIFT Code: WFBIUS6WFFX

Are there fees to receive a wire?

There may be a fee for receiving a wire transfer. For details, please refer to your Consumer Account Fee and Information Schedule or Business Account Fee and Information Schedule or call us at 1-800-TO-WELLS (1-800-869-3557).