EverBank international wire transfer: Fees, limits, and rates

If you need to transfer funds abroad, an EverBank international wire transfer can be a convenient option. Read on to learn how much it’ll cost you, how long it’ll take, and any limits you need to be aware of.

We'll also introduce another option - Wise. Send money to over 160 countries, all at the mid-market rate with no hidden fees.

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Table of contents

Can I make an international wire transfer with EverBank? EverBank international wire transfer fees EverBank exchange rates Make fast, secure and low cost international transfers with Wise How do you make an EverBank international wire transfer? What information do I need to make an international wire transfer? How long does an international wire transfer with EverBank take? What is the wire transfer limit for EverBank? EverBank contact information EverBank international wire transfer FAQs

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Can I make an international wire transfer with EverBank?

Yes, you can send an international wire transfer with EverBank.

You can make one-time and recurring transfers, but it's important to understand the fees and the exchange rates involved in the transaction.

EverBank international wire transfer fees

You'll have to pay a fee to send an international wire with EverBank. Here’s a look at the EverBank international wire transfer fees:

Transfer type	Fee¹
Incoming international transfer	0 USD
Outgoing international transfer in USD without a currency exchange	35 USD
Outgoing international transfer in a foreign currency without a currency exchange	65 USD
Outgoing international transfer in a foreign currency with a currency exchange	30 USD

In addition to the EverBank international wire transfer fees, you may have to pay additional fees to the intermediary banks involved in the transaction. EverBank doesn’t have control over these fees, so it's hard to predict how much they're going to be.

The bottom line? International wire fees can add up quickly.

EverBank exchange rates

To send an international wire transfer, you'll probably have to convert your money from one currency into another. For example, if you're sending USD to someone in Japan, you'll need to convert the funds into JPY.

🚨 EverBank, like most banks, doesn’t offer the mid-market exchange rate - the rate you see on Google or currency converters. Instead, they add a margin on top of this rate.

This makes your transfer more expensive.

For example, imagine you're sending 2,000 USD from the U.S. to Japan. The mid-market exchange rate is 1 USD = 140 JPY, which converts your 2,000 USD into 280,000 JPY.

But your bank adds a 2% markup, so now your exchange rate is 1 USD = 137.2 JPY. As a result, your 2,000 USD converts to 274,400 JPY.

In other words, you're losing 5,600 JPY. This is why exchange rates are often called "hidden fees."

EverBank doesn't publicly disclose its exchange rates and they may change depending on the market, but you can expect something along the lines of 1-3%.

Make fast, secure and low cost international transfers with Wise

Send money to 160+ countries with the mid-market exchange rate and low, transparent fees with Wise. Set up a free Wise account online or in the Wise app on iOS and Android, to transfer money fast in 40+ currencies.

Over 50% of Wise payments arrive instantly* — and all Wise transfers are deposited directly into your recipient's bank account for convenience.

No ongoing fees, no hidden charges and no hassle — just fast, transparent international transfers that can beat the banks.

Get started with Wise

*The speed of transaction claim depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions

How do you make an EverBank international wire transfer?

Setting up an EverBank international wire transfer should only take you a few minutes.

1. Log into your EverBank online banking
2. Navigate to the section for wire transfers
3. Fill in the required information
4. Enter the amount you want to send
5. Review estimated fees and exchange rates
6. Double-check all details
7. Confirm the transfer

Online banking users can complete their Everbank wire transfer online, but sometimes it may be necessary to initiate the transfer in person at your local branch.²

If you've never done an international transfer before, you may even prefer that so that the bankers can help you.

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

You need to have accurate information about your recipient to make an international wire transfer. Here's what you'll need.

Information	Details
SWIFT/BIC code	Code identifying the recipient’s bank
Recipient bank name	Full name of the bank you’re sending money to
Recipient bank address	Full address of the bank you’re sending money to
Recipient’s account number	Sometimes this can be called the IBAN number
Recipient’s name	Full name of the person you’re sending money to
Recipient’s address	The address of the person you’re sending money to
Amount and currency	How much you’re sending and in what currency
EverBank SWIFT/BIC code	EVBKUS3M³
EverBank routing number	063092110³
Purpose of transfer	Some countries require this

Before confirming the wire transfer, make sure to double-check all of the details. Incorrect information can lead to delays or lost funds.

Learn more about international wire transfer instructions in our full guide.

How long does an international wire transfer with EverBank take?

International wire transfers generally take between 1 to 5 business days to complete. The exact time depends on the destination country, the recipient’s bank, and when you initiate the transfer.

If you make your transfer outside of regular banking hours or over the weekend, it may take longer.

What is the wire transfer limit for EverBank?

EverBank doesn't share if there's a limit on how much money you can send through an international wire transfer.

If you send over 10,000 USD, EverBank must report this transaction to the IRS and may ask for additional information or documents to process your request. Learn more about international wire regulations here.

EverBank contact information

If you have more questions about making an EverBank international wire transfer, you can contact the Client Solutions Team.

• When inside the US: 1.888.882.3837 (Mon-Fri: 8 am – 8 pm ET, Sat: 9 am – 7 pm ET)
• When outside the US: 1.631.234.8815, ext 3501 (Mon-Fri: 9 am – 6 pm ET)
• Mailing address: EverBank, PO Box 44060, Jacksonville, FL 32231

EverBank international wire transfer FAQs

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What is the SWIFT code for EverBank?

The EverBank SWIFT code is EVBKUS3M.³ Make sure to have it on hand when setting up your international wire transfer, as well as your recipient's bank SWIFT code.

What is the routing number for EverBank wire transfer?

EverBank's routing number is 063092110. For inbound wires, EverBank's routing number is 063000225.³

Is SWIFT code enough for international wire transfers?

No, a SWIFT code isn't the only piece of information you need. You’ll also need the recipient’s bank account number, the bank’s name and address, the recipient's full name, and other important details.

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You can send an international wire transfer with EverBank, but it'll likely come with steep fees and currency exchange rate markups. You can expect to pay anywhere between 30-65 USD per transfer, not including intermediary bank fees and exchange rates.

If you’re looking for a low cost option, check out Wise. It's simple and secure with no hidden fees or exchange rate markups.

🚀 Start saving on
international transfers

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Sources:

1. EverBank - Deposit account fee schedule
2. EverBank - Online banking
3. EverBank - Support

Sources checked 08.29.2024