Wells Fargo Wire Transfers: How to Send & Receive Money

• To start a wire transfer online, log in to your Wells Fargo online banking account, click "Transfer and Pay," and select "Wire Money."
• You will need the recipient's name, address, routing number, and other bank account details to wire them money.
• To receive a wire transfer, provide the sender with your name, address, full bank account number, routing number, and other details.

Sending Money Online

Sign in to Wells Fargo Online. As a Wells Fargo customer, you can send a wire transfer using your online banking account. To log in to your account, go to https://www.wellsfargo.com/, enter your login details, and then click Sign On. You can wire money internationally, but you must have a US-based address and phone number to use Wells Fargo's online wire transfer service. Online wire fees start at $25. Review your consumer account fee and information schedule or call 1-800-869-3557 for more information.

Click Transfer and Pay and select Wire Money. This takes you to the Wire Money page, where you can enroll and/or begin your wire transfer. If you haven't wired money through your Wells Fargo account yet, follow the on-screen prompts to enroll now. If you're looking for a fee-free way to transfer money from your Wells Fargo account to another bank account, WF also supports Zelle.

Click Add Recipient to enter the recipient details. Now, you'll need to enter details about the person you're sending money to, including: The recipient’s name and address. The name, address, and country of their bank. Their bank’s routing number (if domestic), or the 8 or 11-digit SWIFT/BIC number if you're sending money abroad. The recipient’s bank account number or IBAN. Some countries require additional information, such as the International Routing Code (IRC), IFSC, or Mexican CLABE number.

Enter the amount and select a funding account. The maximum amount you can wire from your Wells Fargo account is listed here. If you have multiple Wells Fargo accounts, select the account from which you want to wire money (e.g., your Savings or Checking account). If you need to wire more than your limit, go to your nearest Wells Fargo branch.

Send the money. Before you wire the money, check the total, including fees, to make sure you understand how much money will be leaving your account. Once you're satisfied, choose the Send option to transfer the funds to the recipient. If you want the money to arrive on the same business day, send the transfer before 2:00 PM Pacific Time. Otherwise, the money will arrive the next business day. You can monitor the status of your wire transfer by returning to this screen. Scheduled means the transfer has not yet been processed. At this stage, you can still cancel the transfer. Pending means the wire is in process and can no longer be canceled. Completed means the money has been sent to the recipient. Failed means the wire transfer could not be completed. If you see this message, the money will be returned to your funding account. Returned means the recipient's bank did not accept the transfer. Your funds will be returned to your account.

Wiring Money in Person or By Phone

Gather information from the recipient. If you want to do a wire transfer over the phone, you can call Wells Fargo's Wire Transfer Services line. Alternatively, you can stop in your nearest Wells Fargo branch to initiate a transfer in person. Before you start the transfer, you'll need to collect some information: Your Wells Fargo account number and PIN. The recipient’s name and address. The name and address of their bank. Their bank's routing number (if domestic) or Swift Code/BIC (if international). Some countries require additional information, such as the International Routing Code (IRC), IFSC, or Mexican CLABE number. The recipient’s bank account number or IBAN. If you want to wire money over the phone, you will need to complete a Wire Agreement at a Wells Fargo branch first. You will also get your personal identification number (PIN), which can take up to 2 weeks to arrive.

Meet the deadline. To initiate a same-day domestic wire transfer over the phone or in person, you'll need to start the transfer by 4:30 PM Central Time / 5:30 PM Eastern Time. Otherwise, the money will arrive the next business day. If you're sending money to Mexico in Pesos or to Canada in Canadian Dollars, you'll need to initiate the transfer before 12 PM CT / 1 PM ET for it to arrive the same business day. Otherwise, it will be processed the following business day. If sending a tax payment or an international wire transfer from a consumer account, send it before 3 PM CT / 4 PM ET to arrive the same business day. For a same-day wire transfer between two Wells Fargo accounts, initiate the transfer before 7 PM CT / 8 PM ET.

Visit or call Wells Fargo to send the wire transfer. For an in-person transfer, visit any Wells Fargo location. Find the nearest at https://www.wellsfargo.com/locator. If your account has been set up for voice wire transfers, call 1-888-384-8400 and press 1 to initiate the transfer. If wiring money in person, tell the bank representative that you want to wire money to someone. They will provide you with a wire transfer form to fill out. Enter all of the details you collected earlier, and sign the document in front of the bank representative. Be sure to ask about fees before going through with the wire transfer.

Receiving a Wire Transfer

Provide the sender with your account information. You want the wire to go through smoothly, so make sure the person sending you money has the necessary information. Send them the following: Wire Routing Transfer Number ABA / RTN (domestic): 121000248 International SWIFT/BIC code (international): WFBIUS6S Bank Name: Wells Fargo Bank, N.A. Address: 420 Montgomery, San Francisco, California, 94104. Use this address regardless of where your account is located. The full name and address that appear on your account statement. Your full account number, including the leading 0s at the beginning. CHIPS Participant code: 0407

Receive your money. To receive money on the same day, incoming wires must be received by 5:30 PM CT / 6:30 PM ET. If the wire comes in later, you won’t receive the money until the next business day. You can receive funds in US dollars and foreign currency. However, to receive a foreign currency transfer, call 1-877-593-2468 to inquire about exchange rates.

Pay the fee. You need to pay a $15 fee to receive a wire transfer, which will be deducted automatically from the transfer once it is deposited into your account. Call 1-800-869-3557 for more information about fees or talk to a banking representative.

Security Tips

Beware of unsolicited requests for wire transfers. Wire transfers, Zelle, and other instant payment methods are preferred by scammers because they're difficult to reverse. Many scammers have successfully lured unsuspecting people out of thousands of dollars by pretending to be Wells Fargo, the IRS, Amazon, Microsoft, Apple, the IRS, the FBI, and other reputable organizations. If you receive a call or email from somebody asking you to wire them money, it's likely a scam—even if the person claims to be from a government agency. If you wire money to a scammer thinking it's a trustworthy company, you likely won't get that money back. Instead of talking to the person who calls or emails you, hang up (or ignore the email) and contact the company or agency's fraud line directly. If the scammer emailed you, don't call the phone number listed in the email—go to the agency's actual website to find the real phone number. If somebody claiming to be Wells Fargo asks you to wire money, call 1-866-867-5568 to report the call. Wells Fargo will never ask you to wire them money, or wire or Zelle yourself money to yourself to "receive a refund," "reverse a transfer," or for any other reason.

Double-check the recipient details. To avoid delays and accidentally wiring money to the wrong person, make sure you've entered the recipient's name, address, and bank details correctly. In most cases, the wire transfer will simply be canceled if the information is incorrect, but this can be inconvenient if a family member is waiting for money.

Monitor your bank account for suspicious activity. Always check your transactions in the Wells Fargo app or on Wells Fargo Online to make sure there are no unauthorized charges. If you find suspicious charges, call Wells Fargo to report them.