How to send and receive Wells Fargo Bank Wire Transfer and routing number

Last Updated on September 23, 2025 by admin

Wells Fargo Bank offers a range of wire transfer services designed to facilitate the secure and efficient transfer of funds both domestically and internationally.

The service is a popular method for sending money quickly, whether for personal reasons, such as sending funds to family or friends, or for business transactions that require immediate payment.

Wire transfers with Wells Fargo are facilitated through a straightforward process designed to meet the needs of both individual and corporate clients. Customers can initiate a wire transfer by visiting a local branch, using online banking, or through the Wells Fargo mobile app.

Understanding the types of wire transfers available, the associated fees, and the step-by-step process to initiate a transfer can help customers utilize these services effectively

Read: How to send and receive Chase bank Wire Transfer and routing number

Benefits of wells fargo wire transfer

Using Wells Fargo wire transfers offers several advantages for individuals and businesses looking to move money securely and efficiently. Here’s a breakdown of the key benefits:

Speed and Efficiency

Domestic wires typically arrive the same day if sent before the cutoff time.
International wires are faster than checks or ACH, often arriving within 1–2 business days.

Security

Transactions are encrypted and verified, reducing fraud risk.
Wells Fargo uses SWIFT codes and secure banking protocols for international transfers.

Global Reach

Send money to over 200 countries in multiple currencies.
Supports both USD and foreign currency transfers.

Clear Documentation

Provides detailed records and confirmations for each transaction.
Useful for audits, tax filings, and business accounting.

Convenient Access

Initiate transfers via online banking, mobile app, or in-branch.
24/7 access to wire transfer history and tracking.

Business-Friendly Features

Ideal for paying suppliers, sending payroll, or settling invoices.
Can be integrated with business accounts and treasury services.

Read; How to Register for Bank of America Online Banking and Mobile Apps

How to send wells Fargo wire transfer

To send a wire transfer with Wells Fargo, you can do it online, via mobile app, or in person at a branch. Here’s a step-by-step guide for each method:

1. Log in to Wells Fargo Online and Enter your username and password

2. Navigate to Wire Transfers

From the dashboard, select “Transfer & Pay”
Click on “Wire Money”

3. Choose the Account

Select the Wells Fargo account you want to send money from

4. Enter Recipient Details

You’ll need:

Recipient’s full name and address
Bank name and address
Routing number (for domestic) or SWIFT/BIC code (for international)
Recipient’s account number
Currency and amount

5. Review and Confirm

Double-check all details to avoid delays or errors
Confirm the transfer and submit

6. Save Your Confirmation

Wells Fargo will provide a confirmation number and receipt
You can track the status in your online banking dashboard

How to receive Wire Transfer with Wells Fargo

For Domestic Wire Transfers (within the U.S.):

Give the sender:

Bank Name: Wells Fargo Bank, N.A.
Routing Number: 121000248 (for all domestic wire transfers)
Your Account Number: Your full 10- or 12-digit Wells Fargo account number
Account Name: Your name as it appears on your Wells Fargo account
Bank Address (optional):

Wells Fargo Bank,
420 Montgomery Street,
San Francisco, CA 94104, USA

For International Wire Transfers (from outside the U.S.):

Give the sender:

Bank Name: Wells Fargo Bank, N.A.
SWIFT/BIC Code: WFBIUS6S
Your Account Number (or IBAN if required by sender’s country)
Account Name: Your full name as it appears on your account
Bank Address: Same as above
Currency: Specify whether the transfer should be in USD or foreign currency (foreign currency may reduce fees)

2. Wait for the Funds to Arrive

Domestic wires usually arrive same business day if sent before the cutoff time.
International wires can take 1–5 business days, depending on the country and bank.

Read: How to register for wells fargo online banking and mobile app

Fees and cut off time for Wire Transfer with Wells Fargo

Here are the fees and cutoff times for wire transfers with Wells Fargo:

Wire Transfer Fees

Transfer Type	Method	Fee (USD)
Domestic Wire	Online (Digital)	$25
	In-Branch	$40
International Wire	Online (Digital)	$40
	In-Branch	May vary, typically higher

Fees may be waived for certain account types or promotions. Always check your account’s fee disclosure.

Cutoff Times for Wire Transfer with Wells Fargo

Domestic Wires:
- Must be submitted by 3:00 PM Pacific Time (11:00 PM WAT) for same-day processing.
- After cutoff: processed the next business day.
International Wires:
- Timing varies by destination and currency.
- Typically processed within 1–2 business days

Type of Wells Fargo Wire Transfer

Wells Fargo offers several types of wire transfers to meet different needs, whether you’re sending money locally or internationally. Here’s a breakdown:

1. Domestic Wire Transfer

Purpose: Send money within the United States
Speed: Typically same-day if sent before cutoff time
Routing Number: 121000248
Fee: ~$25 online, ~$40 in-branch

2. International Wire Transfer

Purpose: Send money to recipients outside the U.S.
Speed: Usually 1–2 business days
SWIFT Code: WFBIUS6S
Fee: ~$40 online, may vary in-branch
Currency Options: USD or foreign currency

3. Incoming Wire Transfer

Purpose: Receive money from domestic or international sources
Details Needed: Your account number, name, bank address, and routing/SWIFT code
Fee: ~$15 for domestic, ~$16+ for international

Wells Fargo routing number

Wells Fargo’s routing number depends on the state where you opened your account. However, for domestic wire transfers, Wells Fargo uses a universal routing number:

Wells Fargo Wire Transfer Routing Number