Suncoast Credit Union international wire transfer: 2024 guide

Gabriela Peratello

Suncoast Credit Union®¹ offers services to members in Florida and beyond. As a personal customer you can bank, borrow, invest and insure. But what about a Suncoast Credit Union international wire transfer?

This guide walks through how Suncoast international transactions work, including the process and fees for secure international transfers with Suncoast.

We’ll also touch on Wise as a non-bank alternative with low international wire transfer fees², which you may also want to consider.


Can you make an international wire with Suncoast?

Yes. You can make an international wire with Suncoast³, but to do so you’ll need to bear in mind a few important restrictions. We’ll look at these in more detail later.

Suncoast Credit Union international wire transfer: step by step

You can only set up Suncoast international wires on federal business days between the hours of 8:30 AM and 2:30 PM. That means you can’t make a payment on weekends, holidays, or in the evenings.

To set up your international wire with Suncoast you’ll have to call the Member Care Center at 813-621-7511 or toll free at 800-999-5887. Once you’re connected, you need extension 88400.

You’ll be able to speak to a member of the Suncoast team to complete your international wire securely.

What is the Suncoast Credit Union SWIFT code needed for international transfers?

Usually when someone arranges an international payment they’re asked for a SWIFT code. SWIFT codes are unique identifiers assigned to banks. They’re like zipcodes for international wires, and make sure that payments can be sent globally to the correct banks.

Suncoast does not have a SWIFT code. As there’s no Suncoast Credit Union SWIFT code, you can only receive payments from banks overseas which have a relationship with a correspondent bank that can send money to Suncoast using its ABA routing number.

Not all banks will be able to do this, so you’ll need to ask your sender to check if their own bank is able to make this arrangement.

Suncoast credit union fees and charges

The fees for sending a Suncoast Credit Union international wire are as follows⁴:

  • Incoming international wire: 5 USD
  • Outgoing international wire: 35 USD

Additional charges and exchange rates

Whenever you send an international payment it’s important to realize that there may be a few different fees applied.

These include:
  • A transfer fee: if you’re sending a wire with Suncoast, this fee is 35 USD

  • An exchange rate markup: this fee is rolled up in the rate that’s used to convert your funds to or from USD

  • Intermediary fees: you may not be able to see these in advance, as they’re charged by banks involved in processing the payment

  • Receiving fees: if you receive a payment to Suncoast, a 5 USD incoming wire fee is deducted before it’s deposited

All in all, sending and receiving money internationally with a bank or credit union can be pretty costly.

Compare your options, and consider non-bank alternatives as well to see if they can offer a competitive service. There’s a little detail about one you might want to look at, next.

Make low cost international transfers with Wise

Another smart option if you’re sending money overseas. Meet Wise.

Register a Wise account online or in the Wise app, and send digital payments from your bank account 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.

Send money with Wise

See how Wise compares with international bank transfers in our full guide

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

Are international wire transfers with Suncoast Credit Union secure?

Suncoast Credit Union is a secure and reliable institution. Funds you hold in Suncoast are protected by the United States Government National Credit Union Administration, and services are safe to use.

Are there any limitations or restrictions on Suncoast Credit Union international wire transfers?

There are a few important restrictions to bear in mind when arranging a Suncoast Credit Union international wire transfer.

Here are a few to consider:
  • You can’t send a payment worth under 100 USD

  • International wires can only requested by calling Suncoast

  • You can only call to request an international wire between the hours of 8:30 AM and 2:30 PM, Monday to Friday

  • Suncoast Credit Union does not have a SWIFT Code, IBAN or other international routing code, so payments can only be received via the Federal Reserve

Suncoast offers a great range of services for eligible members, including international wires. However, you’ll need to bear in mind that a Suncoast Credit Union international wire comes with a few limitations, and can also be costly with a 35 USD upfront charge.

Compare your options with Suncoast against a few other third party services, like Wise, which offers low cost transfers with the mid-market rate, which can be processed using an app for convenience.


  1. Suncoast Credit Union
  2. Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information
  3. Suncoast Credit Union International Wire Transfer FAQ
  4. Suncoast fee schedule

Sources checked on 11.14.2023

*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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