Wells Fargo wire transfer: Fees, limits & transfer time

Adam Rozsa

In this article, you’ll learn also learn how long it takes and the fees you can expect to pay when wiring money online.

We will also guide you through each step of wire transfers with Wells Fargo.

Wells Fargo wire transfer

Wells Fargo offers customers multiple ways to send money using the Wells Fargo Online program. With this service, you can send domestic wire transfers to 200+ countries worldwide online or by using the Wells Fargo mobile app.¹

Wire transfer fees for Wells Fargo

How much does Wells Fargo charge for wire transfers? The initial wire transfer fee will be written in on the Wire Transfer Request Form online. However, you can expect to pay the following wire transfer fees with Wells Fargo.

Type of transactionFees⁴
Incoming Domestic Wire$15
Outgoing Domestic Wire$30
Incoming International Wire$16
Outgoing International WireFees will be disclosed once you set up the transfer)

To make sure you really know what you’re getting before you commit, compare the exchange rate you’re being offered with by using a comparison tool — this way you can find out how much your international transfer is really costing you.

Wells Fargo domestic wire transfers

If you are planning on sending money to someone within the US, Wells Fargo might seem like a good idea, as they offer online options. Much like sending a check, Wells Fargo Zelle allows you to transfer money to someone using their email address or phone number.

Depending on your recipient’s bank, they could receive the money in just a few minutes. Plus, transaction fees are currently waived for customers who make Wells Fargo Zelle transfers. This is much more streamlined and less expensive than the traditional wire transfer route.²

💡 Want to find out more about Zelle? Get your full guide here.

This includes the recipient’s name, BAN (Beneficiary Account Number), full address and banking information. There is also a section for intermediary banking details that can be filled in.

Wells Fargo international money transfers

To send money abroad, you will also need international wire instructions:

  • Bank Name
  • SWIFT/BIC Code: You can check the correct BIC / SWIFT code here
  • Routing Transit Number
  • Bank address, City & State
  • Beneficiary Account Number
  • Beneficiary Name
  • International Routing Code (IRC) for certain countries, i.e. (Sort Code, IFSC Code, National ID etc.)
  • Reason for Payment for certain countries

Similarly, if you want to receive money from abroad to your Wells Fargo bank account, you will need to provide the sender with your own Wells Fargo international wire transfer details.

💡 Getting foreign currency? To get routing instructions, reach out to Wells Fargo's International Connections department: 1-877-593-2468.

Wells Fargo wiring instructions

If you prefer to wire money, there are just a few steps for getting started.³

  1. First, sign into Wells Fargo Online
  2. Select the Transfer and Pay option and enroll in online wire transfers to initiate a wire transfer.
  3. Choose your recipient, your funding account and amount (along with any additional details required for certain countries).
  4. Review and send your payment.

After filling out all of your personal and banking information, you will also need information from the wire recipient in order to process the funds transfer.

This includes the recipient’s name, BAN (Beneficiary Account Number), full address and banking information. There is also a section for intermediary banking details that can be filled in.

Wise is a smart way to transfer money internationally. To send money online with Wise, you will pay a small, flat fee and a percentage of the amount that’s converted.

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.

Wells Fargo address for wire transfers

Wells Fargo international wire transfer SWIFT codeWFBIUS6S
Routing Transit Number121000248
Wells Fargo addressWells Fargo, 420 Montgomery Street, San Francisco, CA 94104
Beneficiary Account NumberYour complete Wells Fargo account number (including leading zeros)
Beneficiary NameThe name of your account as it appears on your statement
Beneficiary AddressYour full address

Some banks would ask for your bank’s address as well. You can provide the address of the bank branch where you opened your account.

💡 Find out more about Wells Fargo routing numbers here.

What are Wells Fargo’s wire transfer limits?

Wire transfer limits are not disclosed on Wells Fargo’s website. However, before finalizing your wire transfer on Wells Fargo's online banking platform, you will have the opportunity to review and ensure these limits meet your requirements.³

Should you need higher limits for online wire transfers, we suggest that you visit your nearest Wells Fargo branch.

How long does a wire transfer take with Wells Fargo?

It can take between 1-3 business days to fully process a wire transfer with Wells Fargo. If you’re sending money to another Wells Fargo customer, it could be up to 24 hours. For all other non-Wells Fargo transfers, it may take 2-3 business days.⁵

Wells Fargo cutoff times

Cutoff times are displayed in all locations. The cutoff time for most Wells Fargo ATM locations is 9 p.m. local time. The cutoff time for deposits using the Wells Fargo Mobile app is 9 p.m. Pacific Time.⁶

💡 Read more about how Wells Fargo direct deposits work here.

💡 Need to manage local and international business payments? The Wise Business account is an option that could be worth exploring.

Some key features of Wise Business include:
  • Better visibility and organization of business finances. This is helpful for account reconciliations and audits
  • Major local account details for a simple one-off fee to receive international payments with ease
  • No monthly account fees or minimum balance requirements
  • Receive payments from e-commerce platforms such as Amazon or via Stripe
  • Create invoices using the free Wise invoice generator or invoice templates
  • Accounting integrations, including a QuickBooks Bill Pay connection
  • Batch payment options. Fast payment of up to 1,000 people

Discover the difference between
Wise Business vs Personal


  1. Wells Fargo Website - Wire Transfers
  2. Wells Fargo FAQ page
  3. Wells Fargo FAQ page - Wire transfer online
  4. Wells Fargo wire transfer > Wire transfer terms > Wire FAQ > Consumer fee and information schedule
  5. Wells Fargo Article
  6. Wells Fargo FAQ page - Cutoff times

All sources checked on 24 May 2023

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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