Citizens Bank international wire transfer: Fees, limits and rates

Making an international bank transfer is easy. But moving your money across borders for a fair price can be challenging. There are many options, and one of them is a Citizens Bank international wire transfer.

Here’s all you need to know about making an international wire transfer with Citizens Bank, from fees and rates to transfer times.

What are Citizens Bank’s international wire transfer fees?

Citizens Bank doesn’t provide transparent information about its fees on its website. Depending on different factors, an international wire transfer fee may apply and can vary.¹ Typically, international wire transfers cost between 30-50 USD.

You must visit your branch in person to arrange an international wire transfer.² You can check out the costs for your specific transfer by contacting your local Citizens Bank.

Note that fees applied to international transfers can change over time, and the exact costs depend on a number of factors, including where your money is headed.

Citizens Bank exchange rates

Banks and major transfer services generally roll the bulk of their profit into poor exchange rates. On average, banks often mark up the rate you see on Google by around 4-6%, and pocket the difference.

It’s worth knowing that it might not even be Citizens Bank which decides the exchange rate used. It may be done by an intermediary bank or the recipient’s bank when the money arrives, which leaves you even more in the dark.

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How do you make an international wire transfer with Citizens Bank?

Citizens Bank offers international wire transfers in over 125 currencies.¹ You must visit a branch in person to make an international wire transfer.

You can only initiate a transfer online if you’re sending money domestically.²

Once you get to your local branch, ask to see a bank representative. They’ll be able to help you with sending an international wire transfer. Keep your reference or confirmation number so you can track your transfer in the future.

What information do I need to make a Citizens Bank international money transfer?

To make an international wire transfer, you’ll need to provide a few details about your recipient. You need to know their:

• bank account number
• routing number
• contact information¹

For international wires, you may also need to provide additional information, such as the SWIFT code of the recipient.

This is also when you’ll be able to get the details of the transaction fees and exchange rates. Don’t forget to bring your ID.

How to receive an international wire transfer with Citizens Bank

Whenever you want to receive an international payment, you’ll have to give the sender some information to make sure the money reaches you safely.

This can vary a little depending on the specific details of your transaction, but you can expect to be asked for the following information:

• Citizens Bank’s international wire transfer SWIFT code
• Your full name and address, as detailed on the account
• Your Citizens Bank routing number and branch address
• The amount and the currency you’d like to receive the payment in

How long does an international bank transfer with Citizens Bank take?

How long an international wire transfer takes depends a lot on where your money is headed, as well as other factors like time zones and foreign holidays.

Typically, an international wire transfer with Citizens bank will arrive within 2-3 business days.²

Citizens Bank does have wire cut off times. International wire transfers will only be accepted up to 5 PM ET at a branch. If you miss the cut off, Citizens Bank will process your wire transfer the next business day.³

What are Citizens Bank’s transfer limits?

Citizens Bank has no transfer limit when you’re sending a wire, as long as you do it at your local branch.⁴

More questions about your transfer?

If you have questions about sending a wire transfer, Citizens Bank recommends you find a branch near you and contact them directly.⁵

For other inquiries, you can find a specific phone number to get in touch on the Citizens Bank Contact Us page.

You can send money internationally with the Citizens Bank, but you can only initiate your transfer by visiting a branch in person.¹ You may also lose money on fees and exchange rate markups.

For a transparent money transfer option with no hidden fees* and exchange rate markups, try Wise. It’s fast, simple, and can be done entirely online.

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