Rockland Trust international wire transfer: Fees, limits, and rates

Alexis Konovodoff

Rockland Trust Bank has been ranked #1 in Massachusetts on Forbes’ 2024 Best-In-State Banks list.¹ It offers many financial services, one of them being international wire transfers for when you need to send money abroad.

Sending a Rockland Trust international wire transfer is a convenient and reliable way to move money across borders, but fees and limits apply. In this article, we'll explain what they are.

We'll also discuss Wise, an easy and simple way to send an international payment with no exchange rate markups.

move-money


Table of contents

Can I make an international wire transfer with Rockland Trust?

Yes, you can make international wire transfers with Rockland Trust. There are 3 main ways to initiate your transfer:²

  • Rockland Trust online banking
  • Mobile banking app
  • In-person at your local branch

Rockland Trust emphasizes that sending wires in foreign currency (instead of US dollars) is the most cost-effective and efficient method for international transfers.²

This approach typically results in faster processing times and lower fees.

Rockland Trust international wire transfer fee

Rockland Trust doesn't publicly disclose wire transfer fees on their website. Generally, outgoing international wire transfer fees can range from around 5 USD to 75 USD

Sometimes, smaller banks use intermediary banks to facilitate international wires. These providers may charge extra fees, increasing the cost of your transfer.

Rockland Trust exchange rates

When you need to convert one currency into another, banks typically apply an exchange rate markup. This means they give you a worse exchange rate than the mid-market rate.

Let's say the mid-market rate for USD to EUR is 1 USD = 0.85 EUR. A bank might give you an exchange rate of 1 USD = 0.82 EUR. On a transfer of 1,000 USD, this could mean about 30 EUR less for your recipient.

Most banks make money this way.

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How do you make a Rockland Trust international wire transfer?

You can send a transfer through Rockland Trust online or mobile banking. Alternatively, you can do it in person at a branch.

If you're using online banking, visit the wire transfer section and follow the prompts that appear on your screen to complete the transfer.

If you prefer to make the transfer in person, the bank staff will guide you through the process and answer any questions you might have.

Find out more about making an international wire transfer in our full guide.

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

Make sure to have the following information ready to successfully initiate your transfer:⁴

  • US dollar or foreign currency type and amount
  • Your full name
  • Your full address
  • Your account number
  • Recipient's full name
  • Recipient's full address, including street address, city and country
  • Recipient's account number or IBAN (International Bank Account Number)
  • Recipient's bank name, SWIFT code, and address
  • Intermediary bank name, SWIFT code and ABA number (optional)
  • Reason for wire

Make sure to double-check all of the information. Even a small mistake can delay your Rockland Trust wire transfer.

How long does an international wire transfer with Rockland Trust take?

Rockland Trust doesn't specify the exact duration on their website, but international wire transfers typically take 1-5 business days to complete.

A few things can make your Rockland Trust international wire transfer take longer to arrive:

  • Time zones
  • Destination country (some countries have more efficient banking systems than others)
  • Currency conversions
  • Intermediary banks
  • Additional security checks
  • Weekends and public holidays
💡 Think your transfer is delayed? Learn how to track an international wire transfer in our full guide.

What is the wire transfer limit for Rockland Trust?

According to Rockland Trust's Personal Online Banking Agreement, external online transfers are subject to a total limit of 2,000 USD for all accounts each business day.⁵

If you need to send a larger transfer, contact Rockland Trust or visit a branch in person to discuss your options.

Rockland Trust contact information

There are a few ways to contact Rockland Trust.

For general inquiries, you can fill out the contact form on their website.

If you want to chat with a representative, you can use the live chat feature on the Rockland Trust website. The representatives are available to help during the following times:⁶

  • Weekdays: 7:00 am to 6:00 pm
  • Saturday: 8:00 am to 5:00 pm
  • Sunday: 10:00 am to 3:00 pm

If you want to get help over the phone, you can also call these numbers:⁶

  • Personal banking: 508.732.7072
  • Business banking: 508.732.7078

Rockland Trust international wire transfer FAQs


What is the SWIFT code for Rockland Trust?

The Rockland Trust SWIFT code is RTCOUS33XXX.

SWIFT codes help identify banks in international transactions. You'll definitely need your recipient's bank SWIFT code to send your international wire, but you may need the Rockland Trust SWIFT code as well.

How do I transfer money from Rockland Trust?

To transfer money from Rockland Trust, you need to initiate an external transfer. This transfer can be domestic or international. You can do this through online banking, mobile banking or by visiting your local branch in person.

What is the transfer limit for Rockland Trust?

The Rockland Trust Online Banking Agreement specifies an online limit of 2,000 USD for all accounts each business day for external transfers.⁶

For bigger transfers, it's a good idea to contact Rockland Trust directly to discuss your options. You may be able to send a larger amount if you visit a branch in person.


You can send money abroad with Rockland Trust, but it's important to carefully consider associated fees and exchange rate markups. There's also a daily limit of 2,000 USD when using personal online banking.⁵

If you want a low cost option with high limits, consider Wise. There are no exchange rate markups so you can move money where it matters without losing on fees.

Sources

  1. Rockland Trust Bank
  2. Rockland Trust - International services
  3. Wise - How to avoid international wire transfer fees
  4. Rockland Trust - International wire transfer information
  5. Rockland Trust - Personal online banking agreement
  6. Rockland Trust - General contact

Sources checked 10.17.2024


*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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