Ria money transfer review: US guide [2025]
Here’s all you really need to know about making international transfers with Ria. We've done the research for you, so kick back and read on.
Bank of Hawaii® (BOH) offers quick and easy wire transfer solutions. Send a digital payment to friends in Canada or pay family overseas.
We take a look at everything you need to know about Bank of Hawaii international wire transfers, including fees, transfer limits, and exchange rate charges.
Sending money abroad? Use Wise to make stress-free transfers to over 80 countries around the world – all from the palm of your hand. Let’s dive in!
You can send a domestic or international wire transfer with Bank of Hawaii, including online and in-branch options.
A wire transfer is an easy way to move money between banks. However, you’ll pay a small fee to send your transfer. You’ll also need to consider any exchange rate charges for foreign currency payments.¹
Bank of Hawaii’s international wire transfer fee can vary, but it ranges from 45 USD to 75 USD.¹
Incoming international wire transfers typically cost 13 USD.¹
You may also need to pay intermediary or correspondent bank fees. These are charges levied by any banks your wire transfer passes through – and you may not know exactly how much your payment will cost until you come to send it.
Banks can choose their own exchange rates for foreign currency payments – and many providers may add a substantial markup to the standard exchange rate.
Look out for the mid-market rate. This is the fair exchange rate you might see online, without added markups or hidden fees.
Your intermediary or correspondent bank may convert your payment into the correct currency for your recipient. This conversion isn’t typically done at the mid-market rate – so you may end up paying more than expected.
Bank of Hawaii’s foreign exchange rate can fluctuate depending on when you send your transfer. Look into these costs before making your payment.²
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So, exactly how do you send a BOH international wire transfer? We’ve put together step-by-step instructions to send your wire.
Step 1. Log into Bank of Hawaii’s online banking portal and select “Payments/Transfers” and then “Payment Management”
Step 2. Select “Add Payment” and then select “Wire - International” from the “Select a Payment Type” dropdown menu. Click “Continue”
Step 3. Enter the payment information, such as your beneficiary’s name, address, and bank account details
Step 4. Choose how much you want to send and when you want to process the payment. You can also add additional payment details or bank instructions. Click “Submit”
Step 5. Finally, you may need to approve the payment. You’ll receive on-screen instructions. Simply use the dropdown menu to approve any payments in your queue³
For some wire transfers, you may need to complete a Wire Transfer Request Form and process it with a teller at your local Bank of Hawaii branch. Make sure to contact the bank directly for more information about your payment.²
You’ll need a few key pieces of information for your global BOH wire transfer, including your beneficiary’s:
- name, address, and country
- bank name, address, and country
- account type and number
- bank SWIFT code
- bank routing number³
You may also need to include your reason for sending the transfer. It’s important to note that all international BOH wire transfers in US dollars require a Swift address.³
Let’s take a look at Bank of Hawaii’s wire transfer information. You may need these details for your outgoing or incoming transfer.
Information | Details |
---|---|
ABA/routing number | 121301028 |
SWIFT code | BOHIUS77⁴ |
Bank of Hawaii address | Bank of Hawaii, 111 South King Street, Honolulu, HI 96813² |
If you send your wire transfer before 1:30 pm Samoa Time, your transaction should be processed on the same day. However, wire transfer requests received after this time may be processed on the next business day.²
You can also schedule an international wire transfer via Bank of Hawaii’s online banking portal.³
The amount of money you can send via wire transfer may differ depending on factors like currency, country, and type of account.
The daily maximum limit you can send is roughly 2,500 USD, with no minimum payment amount for international wire transfers.¹
If you want to get in touch with Bank of Hawaii, here are the details you’ll need:
These phone lines are available every day from 7 am to 7 pm (HST). You can also find a nearby branch, book an appointment, or access further information about how to send your transfer via the BOH website.⁵
Let’s take a look at some frequently asked questions about BOH international wire transfers – everything you need to know!
BOH’s wire transfer fee is typically 45 USD to 75 USD per transfer. The exact cost will be communicated to you before you make your payment. You’ll also need to consider exchange rate markups for foreign currency wire transfers.
You’ll need the SWIFT code BOHIUS77 to send a wire transfer to a Bank of Hawaii account.
Bank of Hawaii’s routing number for wire transfers is 121301028. You may also need some additional information to receive a wire transfer, such as BOH’s address and Swift code.
Sending an international wire transfer with Bank of Hawaii is an easy way to move your money around the world.
However, you’ll need to think about how much your transfer will cost, including transfer fees and exchange rate charges. Always follow your provider’s instructions to transfer your money overseas.
To explore your low-cost international spending options, check out Wise.
Sources
Sources checked 10.25.2024
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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