A wire transfer is a fast way to send money electronically to a domestic (U.S.) or an international recipient's bank account.

This is an international wire transfer initiated by a consumer for personal, family, or household purposes.

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:

• You need the recipient's name, address, ABA routing number for wires and account number.
• Cut off time is 5 p.m. Eastern.

• You need the recipient's name, address and bank information, including SWIFT code and account number.
• You can send in U.S. dollars or foreign currency; cutoff time is 5 p.m. Eastern.
• Some countries require specific bank identifiers (e.g. Canada's Transit Code or India's IFSC code), or account identifiers (e.g. IBAN, or CLABE for Mexico).

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.

Yes, international wires should be sent in USD to the following countries: Colombia, Nigeria, Palestine, Panama, Somalia, Timor-Leste, and Venezuela.

No.

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:

• Your name and address (or telephone number)

• The problem with the transfer, and why you believe it's an error

• The name of the person receiving the funds, and if you know it, his or her telephone number or address

• The dollar amount of the transfer

• The confirmation code (provided from the Transfer Receipt)

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.

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:

• Log in to Bank of America's Mobile Banking app or Online Banking
• Select "Pay & Transfer"
• Under "Activity", locate the transaction, and select "cancel"
• Review the cancellation notification and select "cancel" to complete request

Domestic Wires

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:

• Log in to Bank of America's Mobile Banking app.
• Navigate to Accounts.
• Select the account you wish to receive the funds with.
• Select Account & Routing # to display account details.

• Log in to Bank of America's Online Banking.
• Navigate to the Accounts page.
• Select the account you wish to receive the funds with.
• Navigate to the Information & Services tab.
• Click Show full account number in the Account Information section.

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.

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.

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.

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.

The United States does not currently participate in IBAN. Therefore, Bank of America accounts do not have IBAN numbers.

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.