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Regions Bank international wire transfer guide
Sending money overseas can be complicated. The first resource you’ll probably turn to is your bank. The process can vary from bank to bank, and so can the fees and wait times. The good news is, you might be able to save if you use a service like Wise*. But more on that later.
Regions Bank® is an American bank headquartered in Alabama. This guide outlines the international wire transfer process for account holders with Regions Bank.
Fees and costs for Regions Bank international transfers
Fees can change depending on your account type and the terms of your transfer. You can check into your particular transaction’s details with Regions Bank, however you can find a general outline of the possible fees applicable below.
Regions Bank international wire fees
| Transaction | Fee |
|---|---|
| Incoming international transfer | 18 USD per transaction |
| Outgoing international transfer | 45 USD per transaction |
| Sending/recipient bank and/or intermediary bank(s) | Most international wire transfers are done via the SWIFT system, which means your money is likely to pass through a series of intermediary banks before reaching its final destination. Each of these banks may charge a fee for its part in the transfer. To find out if your transfer will be subject to intermediary fees, contact Regions Bank. |
| Amendment of an international payment | 30 USD |
| Recall of an international payment | 45 USD |
| Phone notification | 5 USD |
| Fax notification | 3.50 USD |
| Email notification | 0.50 USD |
| Tracing of an international payment | 40 USD |
Regions Bank exchange rates
If you send money abroad in the currency of your bank account, there’s a good chance that the receiving bank will be the one converting the money and likely charging the receiver for it. As an alternative you can also have your bank do the conversion, which usually happens when you create the payment in the currency of the recipient.
Whichever bank does the conversion for you, you should keep in mind that they most likely won’t use the mid-market rate that they use to trade between themselves, they’ll use a marked up exchange rate instead. Also the recipient may get charged by their bank upon receiving the money, regardless of which bank did the converting.
Therefore it’s important to also compare the exchange rate you’re being offered as well as the fees applied by different providers.
Make low cost international transfers with Wise
A smart option if you’re sending money overseas: meet Wise.
Register a Wise account online or in the Wise app, and send money to 70+ countries, with the mid-market exchange rate and low, transparent fees*.
Wise always shows you the amount you’re paying and how much your recipient will get — and you can even compare against other providers on the Wise app or desktop site.
If another service is cheaper for your particular payment, you’ll be shown — so you can’t lose.
| See how Wise compares with international bank transfers in our full guide |
|---|
How do you make an international wire transfer with Regions Bank?
When you have a consumer deposit account with Regions bank, you can make international transfers using online banking, or at any branch, in person.
What will you need to make an international wire with Regions Bank?
You need to make sure that you have the correct recipient details before you initiate your transaction. If you’re sending money with Regions Bank, you’ll need the following information:
- Recipient name and address
- Recipient bank name and address
- Recipient bank account number and SWIFT/BIC code
- Any local details needed in the recipient’s country, such as a CLABE number for Mexico
Receiving an international wire with Regions Bank
To receive money as a Regions Bank account holder, you’ll need to give the sender certain information:
- Your account number
- Your name and address as it appears on your bank statement
- SWIFT/BIC code for Regions Bank - UPNBUS44²
- Regions Bank routing number
- The address of Regions Bank - 1900 Fifth Avenue North, Birmingham AL, 35203
How long does an international bank transfer with Regions Bank take?
The length of time it takes for any international wire can vary. Do keep in mind that there are certain factors - such as destination country, currency availability, and regulatory issues to name a few - that play a role in the speed of delivery.
It might also be a good idea to check with Region Bank what their cut off times are, as this is also a factor that comes into play. If you create your payment after cut off time, it won’t be processed until the next business day.
As a general rule payments sent by wire overseas can take up to 5 business days to deposit. If you’re getting a payment into your Regions Bank account, it will usually be available on the day it is processed, but could take up to 7 days in some cases³.
Regions Bank support
If you need help with your transfer, you can get in touch with Regions in a few different ways⁴:
|
|---|
Whether you’re sending money abroad once or want to regularly transfer money around the world, the process should not be difficult - but it can be unexpectedly costly. Use this post as your guide for international wire transfers with Regions Bank, to help you understand your options before you initiate a transaction.
Compare the costs of your bank against alternative non-bank providers like Wise, so see which offers the best value for you.
Sources:
- Regions pricing schedule
- Regions Bank Help - wire transfers
- Regions Bank Help - payment times
- Regions Bank - help
- Regions Bank - phone numbers
Sources checked on 07.22.2024
*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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