How to Send Money From Your Bank of America Account

Wire money through Bank of America Online or at a branch

Bank of America lets you send money to another person's bank account using a wire transfer. You can start the transfer online through your Bank of America account, on the mobile app, or by visiting a branch in person. The steps differ slightly depending on which method you choose, but all three routes reach the same destination — the recipient's bank account.

A wire transfer moves money directly from your Bank of America account to another bank. The recipient does not need to be a Bank of America customer. Once you send a wire, the money typically arrives the same business day if you send it before the bank's cutoff time, which is usually 2 p.m. Eastern Time on weekdays. Wires sent after that time or on weekends process the next business day.

Bank of America charges a fee for domestic wire transfers (within the United States) and a different fee for international wires. The fee amount depends on your account type and whether you are a Bank of America customer sending to another Bank of America customer. Check your account details or call 1-800-432-1000 to confirm the current fee before you send.

Key Takeaways

• Wire transfers through Bank of America move money the same business day if sent before 2 p.m. Eastern Time on a weekday.
• You need the recipient's full name, bank name, routing number, and account number to complete a wire transfer.
• Bank of America charges a fee for both domestic and international wire transfers; the amount varies by account type.
• You can send a wire online, through the mobile app, or at a branch, and you cannot cancel a wire after it has been sent.

Gather the recipient's banking information before you start

Before you open Bank of America's wire transfer tool, collect the information you will need. Ask the person receiving the money for their full legal name (as it appears on their bank account), the name of their bank, their routing number, and their account number. The routing number is a nine-digit code that identifies the bank; the account number identifies the specific account at that bank.

If the recipient does not have this information handy, they can find it on a check from their account — the routing number is the first set of numbers on the bottom left, and the account number follows it. They can also log into their own bank account online or call their bank's customer service line to ask for both numbers.

For international wire transfers, you will also need the recipient's address and may need their bank's SWIFT code (an international routing identifier) instead of or in addition to the routing number. Ask the recipient's bank which code Bank of America should use.

Send a wire transfer online or through the mobile app

Log into your Bank of America account at bankofamerica.com or open the Bank of America mobile app. From the main menu, look for "Transfer Money" or "Wire Funds" — the exact wording depends on which version of the site or app you are using. Select the option to send a wire transfer.

Enter the recipient's information in the fields provided: their full name, bank name, routing number, and account number. Double-check each piece of information before moving forward, because wires cannot be stopped once they leave your account. Enter the amount you want to send and select the date you want the transfer to occur (today or a future date).

Review the wire transfer details one more time, including the fee Bank of America will charge. Confirm the transfer. Bank of America will send you a confirmation number — write this down or take a screenshot. You can use this number to track the wire or to contact Bank of America if something goes wrong.

Send a wire transfer at a Bank of America branch

Visit any Bank of America branch during business hours with the recipient's banking information and your account details. Tell a teller you want to send a domestic or international wire transfer. The teller will ask you for the recipient's name, bank, routing number, and account number, and will enter this information into the system.

You will see the wire transfer details on screen or on a printed form. Confirm that all the information is correct — especially the account number, since a single digit wrong will send the money to the wrong place. Tell the teller the amount you want to send and the date you want it sent. The teller will tell you the wire fee and process the transfer.

The teller will give you a confirmation number and a receipt. Keep the receipt and confirmation number until the money reaches the recipient's account. If the recipient does not receive the money within the expected timeframe, you will need this number to investigate with Bank of America.

Understand wire transfer timing and fees

Domestic wire transfers sent before 2 p.m. Eastern Time on a business day (Monday through Friday) usually arrive the same day. Wires sent after 2 p.m. or on weekends and holidays process the next business day. International wire transfers typically take one to three business days, depending on the recipient's country and bank.

Bank of America's domestic wire transfer fee is usually between $15 and $30 for customers, though the exact amount depends on your account type and whether you are sending to another Bank of America customer (which may cost less). International wire transfers cost more — typically $45 to $50 or higher. Some account types, such as certain premium checking accounts, may have lower or waived wire fees. Log into your account or call 1-800-432-1000 to confirm the fee for your specific situation.

The fee is deducted from your Bank of America account at the time you send the wire. The recipient receives the full amount you specified — Bank of America does not deduct the fee from what the recipient gets.

What to do if something goes wrong with your wire

If the recipient tells you they did not receive the money after the expected timeframe has passed, contact Bank of America when ready with your confirmation number. Call 1-800-432-1000 or visit a branch. Bank of America can trace the wire using the confirmation number and determine whether it was sent, is in process, or was rejected by the recipient's bank.

If the wire was sent to the wrong account because of an error in the routing or account number, Bank of America can attempt to recover the funds, but this process is not may provide to work. The receiving bank must cooperate, and if the account holder has already withdrawn the money, recovery becomes much harder. This is why confirming all details before sending is critical.

You cannot cancel a wire transfer after it has been sent. Once the money leaves your Bank of America account, it is out of your control. If you need to reverse a wire, you must contact Bank of America and the receiving bank when ready and ask them to return the funds — but they are not required to do so.

Frequently Asked Questions

How long does a Bank of America wire transfer take?

Domestic wires sent before 2 p.m. Eastern Time on a weekday arrive the same day. Wires sent after 2 p.m. or on weekends arrive the next business day. International wires typically take one to three business days depending on the destination country and bank.

Can I cancel a wire transfer after I send it?

No. Once a wire transfer leaves your Bank of America account, you cannot cancel it. If you sent money to the wrong account, contact Bank of America when ready with your confirmation number so they can attempt to recover the funds, but recovery is not may provide.

What information do I need to send a wire transfer?

You need the recipient's full legal name, their bank name, their routing number (nine digits), and their account number. For international wires, you may also need their address and the bank's SWIFT code. Ask the recipient to provide this information or have them check a blank check from their account.

Does the recipient pay the wire transfer fee?

No. Bank of America deducts the wire fee from your account, not the recipient's. The recipient receives the full amount you specified. Some banks charge a separate fee to receive incoming wires, but that is between the recipient and their bank.

Can I send a wire transfer on the weekend?

You can initiate a wire transfer on the weekend through the Bank of America website or app, but it will not process until the next business day. If you need the money to arrive urgently, send it before 2 p.m. Eastern Time on a weekday.