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Online Wires FAQ

Top questions

How do I send an online wire?

  • Sign on to Wells Fargo Online, go to Transfer & Pay, and enroll in Online Wires to get started.
  • Add your recipient, select funding account and amount (along with any additional details required for certain countries).
  • Review and send your payment.

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

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 online. You will be able to review any limits before completing your wire transfer in online banking. To request higher limits for online wires, please visit your local branch.

What information do I need to wire money through Wells Fargo?

To send a wire, you will need:

  • The name and address of your recipient
  • The name 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 your routing number, we can look it up for you on the Add Recipient 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 this, contact your recipient’s bank.
  • 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.

Certain countries require additional codes as follows:

  • Australia: Australian Branch Code (BSB)
  • Canada: Canadian Payment Routing Number
  • Great Britain: 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

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?

Fees may apply, depending on your account type. You will be able to review any fees before completing your wire transfer in online banking. 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 recipients?

To add a recipient, select Add Recipient from the main Wire Money page. Then follow the steps to add and save your recipient’s information.

What does my wire transfer status mean?

Scheduled means that the wire has not started processing yet and you can still cancel it.

Pending means that the wire is in process and you can no longer cancel it.

Completed means that your wire has been sent successfully.

Failed means that we were unable to send the money to your recipient. We will return the funds to your account.

Canceled means that your wire has been canceled and will not be sent.

Returned means that your wire was not accepted by your recipient’s bank. We will return the funds to your account.

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
  • For any incoming wire denominated in currency other than the U.S. Dollar, unless you have a multicurrency account that includes the relevant currency, you should understand that Wells Fargo will need to convert the currency into U.S. Dollars in order to make the funds available to you.
    • For these situations, unless you have instructed Wells Fargo otherwise beforehand, we will understand that you have instructed us to accomplish the relevant currency conversion.
    • For more information, view Wells Fargo’s Online Access Agreement.

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).