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Expand all panels | Collapse all panels What is a wire transfer?A wire transfer is a fast way to send money electronically to a domestic (U.S.) or an international recipient's bank account.
What is a Remittance transfer?This is an international wire transfer initiated by a consumer for personal, family, or household purposes.
How do I send a domestic or international wire transfer?Log in to Bank of America's Mobile Banking app or Online Banking and tap "Pay & Transfer" to send a Domestic or International wire. If you choose to enroll in secure transfer, you will need your debit card number, PIN, and a U.S. mobile number or a USB security key.
Domestic:
When deciding between sending an international wire in a foreign currency or U.S. dollars, you should consider factors that impact the total cost to send and the amount available to the recipient, including exchange rates and fees.
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What should I do if I receive an error message that discusses exact fees from other banks?For Remittance Transfers, we're required by law to inform you of the exact fees that we and/or our agent banks will impose to deliver an international wire. For some requests, we won't have the exact fees from other banks and therefore will not be able to process it. If your request was in US dollars, you may try again in foreign currency — this may help us determine the exact fees incurred for this transaction and enable us to send the wire request successfully.
Are there countries where I should only send USD and not the local/foreign currency?Yes, international wires should be sent in USD to the following countries: Colombia, Nigeria, Palestine, Panama, Somalia, Timor-Leste, and Venezuela.
Do business wires require exact fees to be known? How do I assert an error with my Remittance Transfer?Contact us at 877.337.8357 (or 302.781.6374 from outside of the U.S.).
You can also write to us at:
Bank of America, N.A.
PO Box 25118
Tampa, FL 33622-5118
For international wires initiated by a consumer primarily for personal, family or household purposes, you must contact us within 180 days of the date we indicated to you that funds would be made available to the recipient. Please have the following information handy:
We'll determine whether an error occurred within 90 days after you contact us and we'll correct any error promptly. We'll tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we'll send you a written explanation. You may ask for copies of any documents we used in our investigation.
Please note that in the event you provide an incorrect account number or institutional identifying number, and we are not able to recover the funds, you may lose the amount of the payment order.
How do I cancel a Remittance Transfer?International wire transfers initiated by a consumer primarily for personal, family, or household purposes may be cancelled within 30 minutes of submission for a full refund, including any fees.
To cancel a Mobile Banking or Online Banking Remittance Transfer, complete the following steps:
If you initiated the Remittance Transfer at a Bank of America financial center, you can get the transfer canceled by going to the nearest banking center or by calling us at 1.877.337.8357 (or 1.302.781.6374 from outside the U.S.).
How do I receive a wire transfer to my Bank of America account?Your sender will need your Bank of America account number and wire routing number.
To find this information in the Mobile Banking app, complete the following steps:
In addition to your account information and other personal details, your sender may need the Bank of America SWIFT code and address as follows:
Wires sent in U.S. dollars or unknown currency:
Swift Code: BOFAUS3N
Address: Bank of America, N.A.
222 Broadway, New York, NY 10038
Wires sent in Foreign currency:
SWIFT Code: BOFAUS6S
Address: Bank of America, N.A.
555 California St. San Francisco, CA 94104
Are there fees and limits for domestic and international wire transfers?Fees and limits may apply, depending on your account type and the type of wire. Review the Online Banking service agreement for information on fees and limits. For Remittance Transfers, we're required by law to inform you of the exact fees we and/or our agent banks will impose to deliver an international wire. For some requests, we won't have the exact fees from other banks and therefore will not be able to process it. If your request was in US dollars, you may try again in foreign currency — this may help us determine the exact fees incurred for this transaction and enable us to send the wire request successfully.
What else do I need to send a wire transfer?For transfers over specific dollar limits set by your account type, you will need to register for either Secured Transfer or a USB Security Key. You’ll be prompted to register an additional security feature at the time of transfer. Follow the prompts for more details or review Additional Security Feature FAQs for more information.
What is a SWIFT Code?A SWIFT code is a standard format for Business Identifier Codes (BIC). It's used to identify banks and financial institutions globally, and they're used when transferring money between banks.
What is an International Bank Account Number (IBAN)?IBAN (International Bank Account Number) is used to identify an individual bank account in cross-border payments in many countries around the world. Note that the U.S. doesn't use IBANs. The IBAN is comprised of a maximum of 27 alphanumeric characters within Europe and a maximum of 34 outside of Europe (for example German IBAN: 22 characters). When sending wire transfers to countries that accept IBAN numbers, we recommend using the IBAN in your wire transfer to identify the bank and the account of the recipient. If you don't know the IBAN Number, check with your recipient.
Does Bank of America have an IBAN number?The United States does not currently participate in IBAN. Therefore, Bank of America accounts do not have IBAN numbers.
How soon can an international recipient receive the funds from a wire transfer?If you are transferring funds to an international account, your account will be debited the same day and Bank of America will send the payment out immediately. The beneficiary's bank will generally receive the funds 1 to 2 business days later. The funds will usually be credited to the beneficiary within 2 business days. However, there are a number of factors which could delay the credit to the beneficiary. These include, but are not limited to: local bank holidays, delays by an intermediary bank or other local conditions. Note, too, that some countries have been designated as slow-to-pay layer countries. Transfers made to or from a slow-to-pay country may experience delays in crediting the beneficiary's account.
List of Slow-to-Pay Countries
Make secure international wire transfers right from your Bank of America account