Wells Fargo Digital Wires

Need your money to get there quickly and securely?

Use wire transfers to get funds to family, businesses, or internationally, where timing matters

The way to send money when faster is better

Around the globe

With Wells Fargo Digital Wires you can send money to both personal and business accounts in the U.S. and 200+ countries. Wells Fargo charges a $25 fee for digital wires and a $40 fee for branch wires. Other fees may apply. Fees may be waived if funded from an eligible Wells Fargo account type.

When timing is key

Domestic digital wires are typically sent the same business day if they are submitted by 3:00 pm Pacific Time. Otherwise, they will be sent the next business day. For international wires, depending on your recipient's country, delivery times may vary.

Convenience matters

With digital wires, you can:

Add a recipient once – we’ll save the details for next time
Set your language preference to Spanish

When currency counts

Send a wire:

In Foreign Currencies
In U.S. dollars

View our Digital Wires supported countries (PDF)

Sign on to get started

Compare your options and fees

How to set up and send digital wires

Sign on to Wells Fargo Online .
Select Wire Money in the Transfer & Pay menu.
Add recipient details.
Send the wire (You must have a valid U.S. Mobile number or secure ID device to wire money).

Frequently asked questions

Sign on to Wells Fargo Online®, go to Transfer & Pay, and select Wire Money 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 a Digital 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.

For your security, we limit the amount of money you can wire digitally. The amount you can send will vary based on your account and banking history, your recipient, and the transaction history of each recipient. We may adjust these limits at any time.

Your daily limit is the maximum you can send in a calendar day based on previous transactions and the recipient. Your rolling 30-day limit is the maximum you can send over a period of time going back 30 days.

To send a wire over your limit, visit a Wells Fargo branch.

Receiving limits
We don’t limit how much money you can receive with wires. However, the sender may be subject to limits on how much they can send you, based on the policies of their bank or credit union.

To send a wire, you will need:

Your recipient's name and address
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 it, we'll help you find it on the Recipient's bank info 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 it, we'll help you find it on the Recipient's bank info screen.
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. If you don't know it, we'll help you find it on the Recipient's bank info screen.

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

Wires FAQs

Enrollment in Digital Wires is subject to eligibility requirements, and terms and conditions apply. Applicable outgoing or incoming wire transfer service fees apply, unless waived by the terms of your account. Your mobile carrier's message and data rates may apply. For more information, see the Wells Fargo Online Access Agreement and your applicable account fee disclosures for other terms, conditions, and limitations.

Whether or not the wire transfer fee is waived, Wells Fargo makes money when we convert one currency to another currency for you. The exchange rate used when Wells Fargo converts one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees. The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar. The applicable exchange rate may vary based on such factors including, but not limited to, currency pair, transaction size, payment channel and product type, such as foreign currency cash, checks, remittances, and wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. Wells Fargo is your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.

Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange rate without prior notice to you. For more information, see the “Applicable Exchange Rate” and “Incoming international wire transfer” sections of the Deposit Account Agreement.

Fees may be charged by third parties or other banks, in addition to those described above.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

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