Bank of America's wire transfer receiving address and routing information
Bank of America accepts domestic and international wire transfers. To send money to a Bank of America account, you need the recipient's account number, the routing number for their specific branch or region, and Bank of America's wire instructions. The routing number changes depending on which state the account is held in, so you cannot use a single number for all Bank of America accounts.
For domestic wires within the United States, you will use Bank of America's routing number for the state where the account is located. Bank of America publishes routing numbers by state on its website, or you can ask the account holder directly. The account holder can also provide this information on a check or by logging into their online banking.
For international wires to a Bank of America account, you will need the SWIFT code BOFAUS3N (for most U.S. locations) or BOFAUS6S (for some regions). The receiving bank may also ask for the account holder's full name, address, and the specific Bank of America branch address. International wires typically take three to five business days and may include currency conversion fees.
Key Takeaways
- Domestic wires to Bank of America require the recipient's account number and the routing number for their state, which varies by location.
- You can find the correct routing number on a check, by asking the account holder, or on Bank of America's routing number lookup tool.
- International wires use the SWIFT code BOFAUS3N or BOFAUS6S, depending on the account location.
- Your own bank will initiate the wire and may charge a fee; Bank of America does not charge to receive domestic wires but may charge for international ones.
How to locate the correct routing number for a specific Bank of America account
The fastest way to get the routing number is to ask the account holder directly. They can find it by logging into their Bank of America online account, calling Bank of America customer service at 1-800-432-1000, or looking at the bottom left corner of any check from their account.
If you do not have access to the account holder, Bank of America's website has a routing number lookup tool. You enter the state where the account is held, and the tool returns the routing numbers for that state. Some states have multiple routing numbers depending on the branch or account type, so confirming with the account holder remains the safest approach.
Write down both the routing number and the account number before you initiate the wire. Your bank will ask for both, and providing incorrect information will delay or reject the transfer.
Domestic wire transfer steps and timing
To send a domestic wire to Bank of America, contact your own bank (the one holding your money) and request a wire transfer. You will provide the recipient's name, Bank of America account number, the routing number for their state, and the amount. Some banks allow you to initiate wires online; others require you to visit a branch or call.
Your bank will charge a fee for sending the wire, typically between $15 and $30. Bank of America does not charge a fee to receive domestic wires. The transfer usually completes the same business day if you send it before your bank's cutoff time, which is often 2 or 3 p.m. Eastern time. Wires sent after the cutoff or on weekends will process the next business day.
Once the wire is sent, your bank will give you a confirmation number. Keep this number in case you need to track the transfer or dispute it later. The recipient's Bank of America account will show the deposit within hours of processing.
International wire transfer requirements and SWIFT codes
International wires to Bank of America require the SWIFT code, which identifies the bank in the international payment system. Bank of America's primary SWIFT code is BOFAUS3N. Some regions or account types may use BOFAUS6S; the account holder can confirm which applies to their account.
You will also need the account holder's full name, mailing address, and the specific Bank of America branch address if available. Some international wire systems require an intermediary bank, which may add an extra step and fee. Your bank can tell you whether an intermediary is needed for the destination country.
International wires typically take three to five business days and may include currency conversion fees charged by either your bank or Bank of America. The exchange rate is set by the banks involved, not by you, so the amount received may differ from the amount sent if currencies are involved.
What happens if you send a wire to the wrong account or routing number
If you send a wire with an incorrect routing number or account number, the receiving bank may reject it and return the funds to your account. This can take several days. If the wire goes to a valid Bank of America account but the wrong person, recovering the money is more difficult and may require the receiving bank's cooperation.
Contact your bank when ready if you realize you made an error. Provide your confirmation number and explain the mistake. Your bank can attempt to recall the wire, but success depends on whether the receiving bank has already processed and released the funds. Do not assume the wire will be returned automatically.
For this reason, always confirm the account number and routing number with the recipient before sending, even if you have sent to them before.
Bank of America wire transfer fees and limits
Bank of America does not charge a fee to receive domestic wires. However, your own bank will charge you to send the wire, usually $15 to $30 depending on the bank and whether you send it online or in person.
Bank of America may charge a fee to receive international wires, typically $15 to $20. Your bank will also charge you to send an international wire, often $35 to $50. Currency conversion fees may explore separately if the wire involves a currency exchange.
Bank of America does not publish a daily limit on incoming wires, but your own bank may have limits on how much you can send in a single transaction or per day. Check with your bank about your sending limits before initiating a large wire.
Frequently Asked Questions
Can I send a wire to Bank of America on a weekend or holiday?
You can initiate a wire request on a weekend or holiday, but Bank of America will not process it until the next business day. If your bank's cutoff time has passed, the wire will process the following business day. Confirm your bank's hours and cutoff times before sending.
What is the difference between a routing number and a SWIFT code?
A routing number identifies a specific Bank of America branch or region within the United States and is used only for domestic wires. A SWIFT code identifies Bank of America in the international payment system and is used for wires from outside the U.S. or to accounts outside the U.S.
Do I need the recipient's address to send a domestic wire to Bank of America?
No. For domestic wires, you need only the account number and routing number. The recipient's address is not required. For international wires, the address may be requested by the receiving bank or your bank's system.
How long does a wire to Bank of America take if I send it before the cutoff time?
Domestic wires sent before your bank's cutoff time (usually 2 or 3 p.m. Eastern) typically arrive in the Bank of America account within hours, often the same day. International wires take three to five business days.
What should I do if the wire was rejected?
Contact your bank with your confirmation number and ask why the wire was rejected. Common reasons include an incorrect routing number, account number, or account holder name. Your bank can help you correct the information and resend the wire.