How to make a wire transfer with Bank of America

Adam Rozsa

What’s the best way to send money to friends and family as an American expat? If you are a client of Bank of America (BoA), the most obvious solution could be a Bank of America international wire transfer.

But with technology changing and evolving, wire transfers aren’t the fastest or cheapest options anymore. Surprisingly, most bank still require a visit to a local bank branch when wiring money internationally.

This is where Wise can help streamline this process. Wise is cheap, fast and a secure alternative to sending an international wire transfer with Bank of America. However, if you still want to wire money online with Bank of America, here’s how to get started.


Send a domestic / international wire transfer with Bank of America

Bank of America makes it easy to wire money online right inside your BoA bank account. And this applies to both domestic and international wire transfers.

You can choose to send money to your own account, another recipient or even a business, all from within the BoA online portal. You can also make an appointment to send a wire transfer in-person at a local Bank of America location.

Here are the instructions for getting started wiring money as a Bank of America customer.

1. Get the recipient's wire information (bank details)

The first step is to collect the recipient’s wire information. Here’s a list of exactly what you need from the recipient in order to wire money online.

  • Recipient’s bank name, address and country
  • Bank routing code or SWIFT/BIC or National ID
  • Recipient’s bank account number
  • An IBAN or country specific account structure (if this is an international wire transfer)
  • Currency of choice (choosing between foreign currency and U.S. dollars)
  • Reason for sending a wire transfer

2. Sign into Bank of America’s online banking

Once you have all the information you need to send a wire transfer, sign into Bank of America’s online banking system.

Navigate to the “Transfers” tab and select the “using their account number at another bank” option.

Next, choose the “same-day wire transfer” option and continue following the instructions on the screen.

3. Use the SafePass feature

Bank of America recommends that wire transfer customers sign up for their SafePass feature. This adds an extra layer of security for wire transfers more than $1,000 that are initiated within the online banking portal inside Bank of America.

The SafePass feature allows you to authorize higher-value transfers with a 6-digit code sent via text message as a way of verifying your identity. There are no added fees for this service.

Receive international wire transfers with Bank of America

In order to receive an international money transfer to your Bank of America account, you will need to provide your sender with the following wire transfer instructions:

Bank detailsDescription
Name of your bankBank of America NA
Bank of America SWIFT Code for international transferBOFAUS3N - for US dollars (USD) or unknown currency
BOFAUS6S - for foreign currency (non-USD) denominated wires
Bank of America Routing Transit Number026009593
Beneficiary Account NumberYour complete Bank of America NA account number (including leading zeros)
Beneficiary NameThe name of your account as it appears on your statement

Bank of America address for wire transfers

Use the following Bank of America address for wire transfers regardless of where your account is located:

Bank of AmericaBank of America, N.A., 222 Broadway, New York, NY 10038

Bank of America international wire transfer fee

The process for wiring money with Bank of America is fairly straightforward, but how much does it cost? Here’s a quick breakdown of what fees you can expect to pay when trying to wire money with Bank of America.

Type of wire transferTransfer Fee
Domestic wire transfer fees$30 for each outbound transfer sent with the U.S.
International wire transfer fees$35 for outgoing wire transfers in foreign currency, or $45 outgoing wire transfers sent in U.S. dollars

When deciding between sending foreign currency or U.S. dollars, it’s important to consider all the fees involved. This includes factors such as exchange rates, currency availability and wire transfer fees.

You can be surprised by how many different parts can make up the total cost of your transfer. If you look closely at the fees, your total cost can include transfer fees, conversion fees and hidden fees added to the exchange rate. Always check your best offer with Wise before making an international wire transfer.

The true cost of sending USD to GBP

How long does it take for a wire transfer with Bank of America?

A Bank of America wire transfer sent domestically, generally arrives at the recipient’s bank within 1-2 business days. For international wire transfers it can take 2-3 business days to process². This timeline is only possible if you process the wire transfer by the daily cut-off time.

For both domestic and international wire transfers in U.S. dollars and foreign currency, the daily cut-off time is 5pm EST. Any wire transfer requests made after this cut off time will be processed by Bank of America on the next business day.

Type of transferTimeline²
Domestic wire transferswithin to 1-2 business days
International wire transfersup to 2-3 business days

What is the wire transfer limit for Bank of America?

According to Bank of America's Service Agreement, the wire transfer limit for domestic and international outgoing wire transfers are both $1000³ .

Type of transferLimit³
Outbound domestic wire transfers$1000
Outbound international wire transfers$1000

As a cheaper and faster alternative to using Bank of America to transfer funds, check out Wise.

Wise is a simple alternative for cross-border payments and money transfers. It's easy, inexpensive and fast. On top of that, it’s incredibly easy to set up a transfer and we’ll update you on your transfer’s progress every step of the way via email. Join over 7 million happy Wise customers.

Open your free Wise account now 🚀

Bank of America wire transfer customer service

If you're experiencing difficulties with your wire transfers, you can contact Bank of America customer service with the following options


  1. Bank of America Wire Transfers
  2. Bank of America Cutoff Time
  3. Bank of America Service Agreement

All sources checked on 9 March 2022

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from Wise Payments Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

Money for here, there and everywhere

Find out more

Tips, news and updates for your location