Alliant Credit Union international wire transfer: Fees, limits, & rates

Alliant Credit Union offers international wire transfer services to its members, and like other institutions, it sets its own fees, limits, and exchange rates.

In this guide, you’ll learn how to set up a wire with Alliant Credit Union and explore alternatives for sending money internationally, such as using Wise. Let’s dive in!

Can I make an international wire transfer with Alliant Credit Union?

Yes, you can make international wire transfers with Alliant Credit Union if you’re a member.

The institution processes wire transfers Monday through Friday.¹ However, it’s important to find out what the institution’s daily cut-off time is. If you submit a request outside of its processing hours, the transfer won’t be initiated until the next business day.

Alliant Credit Union wire transfer fees

Here’s a look at Alliant Credit Unions wire transfer fees:

Wire transfer fees typically range from 5 USD to 75 USD. Alliant Credit Union falls in the middle of this range for international transfers.

While paying 50 USD for an occasional transfer may not seem like a huge deal, it can become a problem if you frequently send money overseas.

Financial institutions also charge exchange rates, and these rates further eat away at your money and leave the recipient with less cash in their account.

Alliant Credit Union exchange rates

For international wire transfers sent through Alliant Credit Union, intermediary banks typically handle the currency conversion. These banks may not offer the mid-market exchange rate, which is the standard or “real” rate. As a result, you may experience less favorable rates.

Charging a higher exchange rate is one way financial institutions include hidden fees in international wire transfers. The institutions keep the difference between the mid-market exchange rate and the rate they charge you.

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How do you make an Alliant Credit Union international wire transfer?

To initiate an international wire transfer with Alliant Credit Union, you’ll need to take the following steps¹:

1. Complete a wire transfer request form
2. Provide identification
3. Submit the form to Alliant Credit Union
4. Review the information with a representative
5. Wait for the credit union to process the transfer

Alliant should provide you with tracking information when you set up the wire transfer.

Double-check that every detail is correct. Undoing wire transfer errors can be difficult, especially if your money gets sent to the wrong institution — or the wrong country entirely.

What information do I need to make an international wire transfer?

To ensure a smooth wire transfer, you’ll need to provide the following information:

• Recipient’s full name
• Recipient’s address
• Name of the recipient’s financial institution
• Physical address of the receiving bank
• Recipient’s account number
• Any details of an intermediary bank, if applicable

You’ll also need to provide a SWIFT code. This 8- or 11-digit code is used to identify international financial institutions. It helps simplify transfers and discourages criminal activities like fraud and money laundering.

If someone is sending money to your Alliant account, you’ll need to provide them with the Alliant routing number, as well as your full name, address, and account details.³

How long does an international wire transfer with Alliant Credit Union take?

According to Alliant Credit Union, it can take up to 10 business days for your outbound international wire transfer to be credited to the recipient’s account.³

For comparison, the average time it takes to process an international wire transfer is 1–5 business days. Alliant Credit Union tends to take longer because it processes international wire transfers through a correspondent bank.³

Alliant Credit Union wire transfer limit

The Alliant Credit Union wire transfer limit can vary depending on the type of account you have and your account balance.

Technically speaking, you can wire as much money as you want internationally. However, all banks and credit unions must follow international wire transfer regulations.

The most notable regulation is mandatory reporting requirements. If you send over 10,000 USD in a single wire transfer, Alliant must report the transaction to the IRS.

If you have specific questions about Alliant Credit Union’s wire transfer limits or other rules, contact the institution directly. You can also visit your local branch.

Alliant Credit Union contact information

For more information about Alliant Credit Union wire instructions, call 800-328-1935 or chat with a representative online.¹

Alliant offers phone support 7 days a week. They also provide online chat service Monday through Friday from 7 am to 8 pm Central Time.¹

Before proceeding with a wire transfer, make sure you compare all of your options, especially when sending money overseas.

To send money at the mid-market rate and save on international transfer fees, try Wise.

Sources:

1. Alliant Credit Union - Sending a wire transfer to your Alliant account
2. Alliant Credit Union - Fees
3. Alliant Credit Union - Receiving a wire transfer to your Alliant account