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ExpressSend® International Remittance Transfers Questions

Wells Fargo ExpressSend® Service questions

ExpressSend is moving to the Wells Fargo Mobile® App. Read the ExpressSend Mobile FAQs.

The Wells Fargo ExpressSend Service is a person-to-person remittance (money transfer) service that offers you more options to send money home to your family or friends in Mexico, Dominican Republic, El Salvador, Guatemala, Honduras, Nicaragua, Colombia, Ecuador, Peru, India, Philippines, and Vietnam. It’s economical, convenient, and dependable.

There are two simple solutions for sending money home:

  1. Transfer money from your eligible Wells Fargo checking or savings account to your beneficiary for cash pick-up.
  2. Transfer money from your eligible Wells Fargo checking or savings account to your beneficiary’s account.

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.

Yes, Wells Fargo works with a group of Remittance Networks Members (RNM) in select countries that Wells Fargo has established Remittance Agreement relationships with.

They are listed below:

  • Mexico  – BBVA, Banorte, Banco Santander†, Soriana*, Telecomm Telegrafos (Financiera para el Bienestar)*, Farmacias Guadalajara*, Bodega Aurrera*, Walmart*, Superama*
  • Dominican Republic  – Banco BHD León*, Banreservas*
  • El Salvador  – Banco Agrícola, Banco Davivienda Salvadoreño, Sistema Fedecrédito, Banco Cuscatlán, Remesas BAC Credomatic, Despensa Don Juan*, Despensa Familiar*, WALMART*, Maxi Despensa*
  • Guatemala  – Banrural, Banco Industrial, G&T Continental
  • Honduras  – Banco Ficohsa, Banco Atlántida
  • Nicaragua  – Banpro, Banco LAFISE BANCENTRO
  • Colombia  – BBVA, Bancolombia, Banco Davivienda, Grupo Éxito (Éxito, Carulla)*
  • Ecuador  – Banco Guayaquil, SERVIPAGOS (VÍA PRODUBANCO)*, BANCO BOLIVARIANO
  • Peru  – BBVA, Banco de Crédito del Perú, Interbank†
  • India  – ICICI Bank†, HDFC Bank†, Axis Bank†
  • Philippines  – Bank of the Philippine Islands, BDO Unibank, Metrobank†, Philippine National Bank (PNB),
    M. Lhuillier*, Cebuana Lhuillier*
  • Vietnam  – Vietinbank, Vietcombank

* Cash pick-up remittances only

† Credit to account remittances only

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 choose to send money to your beneficiary’s bank account in one of the countries where remittances are denominated in the foreign currency, your beneficiary’s bank account must be denominated in the currency of the receiving country. If you chose to send money to your beneficiary’s bank account in one of the countries where remittances are denominated in U.S. dollars, your beneficiary’s bank account must be denominated in U.S. dollars. Funds transferred to the foreign Remittance Network Member are not FDIC-insured.

Wells Fargo offers competitive exchange rates, so get more of your money to your beneficiary with the Wells Fargo ExpressSend Service.

Note:  Transfers to Mexico, Dominican Republic, Guatemala, Honduras, Colombia, India, and Philippines are subject to the exchange rate in effect at the time of the transaction.

The aggregate daily amount which you may transfer to a beneficiary using a Wells Fargo ExpressSend Service Agreement varies by country and Remittance Network Member. The minimum you can send is $25. There are also limits on the total amount as well as the number of transfers you may send over various timeframes.

There are no ExpressSend Service enrollment fees, no monthly or annual ExpressSend maintenance fees, and no ExpressSend Service fees for your beneficiary.

For one low transaction fee, send up to a country’s aggregate daily transfer amount with your Wells Fargo ExpressSend Service to your beneficiary. Please refer to country-specific pages for more information on transaction limits and fees, which vary by country.

The transaction fee will be charged for each transfer.

The first remittance sent under each service agreement must be completed in person at a Wells Fargo branch. Customers with an existing checking or savings account may be able to complete their first remittance by calling the Wells Fargo Phone Bank, subject to caller authentication requirements and additional fraud prevention controls. Additional remittances may be completed at a Wells Fargo branch, by calling the Wells Fargo Phone Bank, or through Wells Fargo Online® at wellsfargo.com.

Customers cannot set up recurring, scheduled remittance transfers; the customer must always 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.

The Wells Fargo ExpressSend Service is only for person-to-person remittances and not for commercial or business-related payments. For business-related payments, Wells Fargo offers an array of other services that may meet your business needs. Please consult with your personal banker.

You have the right to cancel an ExpressSend remittance transfer within 30 minutes of completing it. We will refund all funds paid to us, including all fees and taxes, unless the remittance has already been picked up by your beneficiary or deposited to their account. The quickest and most efficient way to request a cancellation is by calling ExpressSend Customer Service at 1-800-556-0605, or logging on to your secure Wells Fargo Online secure session at www.wellsfargo.com. After you sign on, proceed to the ”Transfer and Pay” option and select "Send to Another Country". Then, select the “History” link for the Service Agreement used to make the transfer and select the Remittance you wish to cancel.

If you want to amend or cancel a Remittance more than 30 minutes after you send it, we will try to amend or cancel it for you. We are not responsible if we are unable to cancel or amend your Remittance if you notify us after 30 minutes. If we are able to cancel your Remittance, we will refund to your Account all funds you paid to us, including all fees and taxes.

When you contact us, you must provide enough information so we can identify the remittance you wish to cancel. Generally, we need to know the amount of the transfer, where the funds were sent, and other information to identify and authenticate you. We will refund your money within three business days of your request to cancel a transfer, unless the remittance has already been picked up or deposited into a beneficiary’s account. We will provide your refund by crediting your checking or savings account used to fund the ExpressSend remittance transfer.

Read your ExpressSend Sender’s Rights for more information.

Call our ExpressSend customer service team at 1-800-556-0605 if you need to update service agreement details or if you want to close your agreement.

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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.

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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