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ExpressSend® International Remittance Transfers Questions

Wells Fargo ExpressSend® Service questions

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.

You can send money from an eligible Wells Fargo checking or savings account. You can also choose how your beneficiary receives the money — either for cash pick-up or credit into their account at the receiving bank.

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.

All the options may not be available at all Remittance Network Members or locations. Please refer to country-specific pages for more information.

To be able to use the Wells Fargo ExpressSend Service, you will need to enroll in a Wells Fargo ExpressSend Service Agreement.

The Wells Fargo ExpressSend Service allows you to send money to family and friends abroad. This service is easy to add to your eligible Wells Fargo consumer checking or savings account to transfer money to your beneficiary by establishing a service agreement. You must be a sole owner, a primary or secondary joint owner, or have power of attorney on the funding account to use ExpressSend. Customers who have not reached the age of majority in their state of residence are not allowed to enroll in the Wells Fargo ExpressSend Service. Many countries have restrictions that limit the ability of a minor to be the Beneficiary of a remittance transaction. The Sender must ensure that their beneficiary is eligible to receive the funds sent to the designated Remittance Network Member. 

An ExpressSend Service Agreement may contain the following delivery methods:
  • Cash Pick-up .  Allows you to send money from an eligible Wells Fargo consumer checking or savings account to a RNM location in Latin America or Asia where your beneficiary picks up cash.
  • Credit to Account .  Allows you to send money from an eligible Wells Fargo consumer checking or savings account to your beneficiary’s checking or savings account at a Remittance Network Member (RNM) in Latin America or Asia.

It’s easy to get started.

Step 1 – Contact us. Talk to your Wells Fargo banker today, to learn about the options available, and select the option that best fits your needs.

Step 2 – Provide your beneficiary's information. Tell us who should receive the money (beneficiary) and how you want your beneficiary to receive the money (cash pick-up or credit to your beneficiary’s account). Provide us with the necessary beneficiary information once; no additional forms are needed when you want to send money to the same beneficiary again.

  • When completing the ExpressSend Service Agreement, you must provide:
    • The name, address, and telephone number of your beneficiary.
    • Your beneficiary’s telephone number must either be a number in the country to which your remittance will be sent or a U.S. telephone number. You must also indicate whether the number is a mobile line or landline.
    • The Remittance Network Member(s) to which your funds should be sent. 
    • Your beneficiary’s full physical address, which must be located in the country to which your remittance is being sent. Post office box addresses are not allowed.

Many countries have restrictions that limit the ability of a minor to be the Beneficiary of a remittance transaction. The Sender must ensure that their beneficiary is eligible to receive the funds sent to the designated RNM.

We will be unable to establish your Service Agreement if you do not provide this information.

  • Finally, tell us how you want your beneficiary to receive the money (cash pick-up or credit to your beneficiary's account).  If you send money to your beneficiary’s account, you will need to provide your beneficiary’s qualifying deposit account number at the beneficiary’s bank.  
  • For cash pick-up remittances, the beneficiary name you provide must match exactly the name appearing on thea government issued identification document(s) the beneficiary will present when collecting the funds. Some RNMs may require your Beneficiary to submit to a fingerprint scan or photograph to collect funds.

Step 3 – Send your first transfer. We’ll establish the transfer details to ensure your money is sent quickly and safely. The first remittance you send under each service agreement must be completed in person at a Wells Fargo branch.

If you choose the option to allow your beneficiary to pick up cash, you can send your money immediately.

  • If you choose the option to send money to your beneficiary’s bank account, we will complete a one time set–up of the transfer details. You should allow up to five (5) Business Days for the Beneficiary account details to be established before you make a Remittance to be credited to an account.

Once the ExpressSend transaction is completed, the sender will be informed of the date by which the funds will be available to the beneficiary.

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. Estimate how much it will cost to send money to your family and friends around the world with the ExpressSend Remittance Cost Estimator.

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.

Yes, but you may only have one beneficiary per Wells Fargo ExpressSend Service Agreement. For each additional beneficiary you will need to open a separate Wells Fargo ExpressSend Service Agreement. You may not name the same beneficiary on more than one Wells Fargo ExpressSend Service Agreement.

There is a limit of four open Wells Fargo ExpressSend Service Agreements per customer from your eligible Wells Fargo consumer checking or savings account. 

Many countries have restrictions that limit the ability of a minor to be the Beneficiary of a remittance transaction. The Sender must ensure that their beneficiary is eligible to receive the funds sent to the designated RNM. 

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

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.

For more detail, see a list of Wells Fargo ExpressSend Transfer Limits.

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.

Estimate how much it will cost to send money with the ExpressSend Remittance Cost Estimator.

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. ExpressSend is not available on the Wells Fargo Mobile® app. Customers must use a desktop or laptop to conduct online ExpressSend transfers.

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

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.

Already enrolled in the ExpressSend service?

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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.

It may take up to five business days to validate the beneficiary’s account information with the Remittance Network Member.

The credit to account or the cash pick-up delivery methods for remittances may not be available at all Remittance Network Members or locations. When sending money to an account, we will need the beneficiary’s qualifying deposit account number at the Remittance Network Member. When sending money for cash pick up, the beneficiary's name provided by the sender must exactly match the beneficiary's name on their government issued identification.

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 must use a desktop or laptop to conduct online ExpressSend transfers.

This service is not available at Bodega Aurrera Express locations.

A U.S. $1,000 transfer limit applies to ExpressSend remittances picked up at a correspondent agent of Banco Agricola. Remittances over $1,000 must be picked up at a Banco Agricola branch.

Remittances sent to your Beneficiary at Banco Cuscatlán, WALMART, Despensa Don Juan, Despensa Familiar, and Maxi Despensa, from all remittance providers, will be aggregated for purposes of determining whether the amount or transaction limits have been reached. When your Beneficiary attempts to pick up a remittance at any of these payout locations, the aggregate amount and number of transactions picked up will count toward these amount or transaction limits. Each RNM will reject any transaction that exceeds the amount or transaction limit. Maximum of $9,999 USD per calendar month.

A U.S. $500 transfer limit applies to ExpressSend remittances picked up at a TENGO location.

Customers sending money for credit to an account in Colombia must ensure their beneficiary has activated Automatic Credits (“Abono Automático”) with their bank prior to the sender adding the “credit to account” receiving method to their ExpressSend service agreement. For Beneficiaries who are already enrolled in Automatic Credits (“Abono Automático”) at Bancolombia, any Cash Pick-up Remittances received may be automatically deposited into the Beneficiary’s enrolled account.

The Bancolombia and Banco Davivienda branches as well as Grupo Éxito stores in the city of Cúcuta are not paying out cash remittances until further notice. Bancolombia branches in the cities of Ipiales, Buenaventura, Arauca, and Necoclí are not paying out cash remittances until further notice. New cities may be included, at any time, due to availability.

Remittances sent to your beneficiary at both Banco Davivienda and Grupo Éxito, from all remittance providers, will be aggregated for purposes of determining whether the amount or transaction limits have been reached. When your beneficiary attempts to pick up or receive a remittance at either institution, the aggregate amount and number of transactions picked up or received on that day from both institutions will count toward these amount or transaction limits. Each RNM will hold any transaction that would exceed the amount or transaction limit.

Almacenes ÉXITO S.A., correspondent agent for Banco Davivienda S.A., foreign exchange market intermediary. Not applicable for Éxito Express nor for Exito.com. ÉXITO® is a registered trademark of Almacenes Éxito S.A. This service is not available at Surtimax locations. Service available at participating Carulla stores. Your beneficiary can contact Carulla at 01 8000 11 0007.

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.

In addition to the transfer fee, Wells Fargo makes money when it converts one currency to another currency for you. The exchange rate provided to you is set by Wells Fargo in its sole discretion, and it includes a markup. For additional information related to ExpressSend and foreign currency, please see the ExpressSend Terms and Conditions at wellsfargo.com/sendersrights.

Wells Fargo Bank, N.A. Member FDIC.

Certain accounts such as business accounts, CDs, retirement accounts, and some others, are not eligible as the funding account for an ExpressSend transfer.

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