How to send and receive Bank Of America Wire Transfer and Routing number

Last updated on September 23rd, 2025 at 07:00 am

Last Updated on September 23, 2025 by admin

A Bank of America wire transfer is a secure and convenient method to send funds electronically from one bank account to another, both domestically and internationally.

This service allows customers to transfer money quickly, making it ideal for urgent payments or large transactions. By initiating a wire transfer, you authorize Bank of America to deduct the specified amount from your account and deposit it directly into the recipient’s account.

The funds are typically available within one business day, ensuring prompt delivery of your payment. Bank of America offers various options for wire transfers, including online banking, mobile app, or visiting a local branch.

However, please note that wire transfers may involve fees depending on the type of transaction and destination country. It is essential to provide accurate recipient information to ensure a successful transfer and avoid any delays or errors in processing your payment.

How To Initiate A Bank Of America Wire Transfer?

Initiating a wire transfer with Bank of America is a straightforward process but requires careful attention to details. Here’s how you can do it:

Option 1: Online Wire Transfer (Domestic and International)

Log In  to bankofamerica.com

• and sign in with your Online ID and password.

• Go to Transfers & Payments.

  • Select Wire Transfers (sometimes under Make a Transfer or Send Money).

• Add Recipient Information (if not already saved)
  You’ll need:

  • Recipient’s full name and address

  • Recipient bank’s name and address

  • Recipient bank’s routing number (for domestic) or SWIFT/BIC code (for international)

  • Recipient account number

  • Purpose of wire (sometimes required)

• Enter the amount you want to send.

  • Choose the currency if it’s an international wire.

  • Select the account you want to send money from.

• Double-check all details carefully to avoid errors.

  • Review applicable fees (domestic and international wire transfers usually incur fees).

  • Submit the wire transfer.

• You may be asked to verify the transaction with a security code sent via text or email.

  • Confirm to complete the transfer.

Option 2: Wire Transfer at a Bank of America Branch

• Visit your nearest Bank of America branch with:

  • Your valid ID (driver’s license, passport, etc.)

  • Recipient’s wire transfer information (as above)

  • Your Bank of America account details

• A bank representative will assist you with completing the wire transfer form.

Fees And Processing Time For Bank Of America Wire Transfers

Bank of America (BoA) charges different fees for domestic and international wire transfers. The processing time also varies depending on the destination and the time the transfer is initiated.

Here’s a detailed breakdown of the fees and processing times for wire transfers with Bank of America:

Wire Transfer Fees

Processing Times for Bank of America wire transfer

Sending wires: Required information from recipients

To successfully complete a wire transfer, you’ll need to provide the following information about the recipient:

For Domestic Wire Transfers (within the same country):

• Recipient’s Full Name: Ensure the name matches their bank account exactly.
• Recipient’s Bank Name: The official name of the bank where they hold the account.
• Recipient’s Bank Account Number: The unique number identifying their specific account.
• Bank Routing Number: This 9-digit number identifies the recipient’s bank and is used for domestic transfers.

For International Wire Transfers:

• All of the above information: Full name, bank name, and account number.
• SWIFT/BIC Code: A unique code that identifies the recipient’s bank internationally. It’s usually 8 or 11 characters long.
• IBAN (Optional): International Bank Account Number, used in some countries, provides additional details for the recipient’s account.
• Recipient’s Address: Full address, including street, city, state/province, and country.

Receiving Wires: Information you provide senders

To receive a wire transfer from within the United States or internationally, you will need to provide the sender with the following information:

For Domestic Wire Transfers (within the US):

• Your Full Name: As it appears on your bank account.
• Your Bank Name: The official name of your bank.
• Your Bank’s Routing Number:BofA’s wire routing #: 026009593
• Your Account Number: Your unique bank account number.

For International Wire Transfers:

• Your Full Name: As it appears on your bank account.
• Your Bank Name: The official name of your bank.
• Your Bank’s SWIFT Code: A unique code that identifies your bank internationally. You can obtain this from your bank.
• Your Account Number: Your unique bank account number.
• Your Bank’s Address: The full address of your bank’s main office or the branch where your account is held.
• U.S. dollars or unknown currency: BOFAUS3N Bank of America, N.A., 222 Broadway, New York, NY 10038
• Foreign currency: BOFAUS6S Bank of America, N.A., 555 California St., San Francisco, CA 94104

Bank of America Wire Routing Numbers

Bank of America has multiple wire routing numbers depending on the type of transfer and your location. Here are the main ones: Here are the wire transfer details for American Express National Bank:

• Domestic Wire Transfers (within the U.S.): Routing Number: 124303243
• International Wire Transfers (from outside the U.S.):

• Routing Number (for USD transfers): 124303243
• SWIFT Code: American Express National Bank does not publicly list a SWIFT code, as it may not support incoming international wire transfers in the same way traditional banks do.
• Alternative Routing (Savings Accounts): If you’re using a Savings Account, the routing number may be different: 124085066