PNC Bank's wire transfer routing number is 043000096
PNC Bank uses the routing number 043000096 for domestic wire transfers. This nine-digit code tells the Federal Reserve and other banks how to direct money sent to a PNC account. The number is the same whether you are sending money to a PNC checking account, savings account, or money market account.
Wire transfers move money between banks within one business day, often within hours. The routing number is one of three pieces of information the sending bank needs: the routing number, the recipient's account number, and the recipient's full name as it appears on the account. If any of these three details is wrong, the wire may be delayed or sent to the wrong account.
PNC is a large regional bank with branches across the eastern and central United States. The routing number 043000096 works for PNC accounts opened in any state where PNC operates. If you are sending a wire to a PNC account, you can give this number to the sending bank or enter it into an online wire transfer form.
Key Takeaways
- PNC Bank's domestic wire transfer routing number is 043000096, and it applies to all PNC deposit accounts regardless of account type or state.
- You need three pieces of information to send a wire: the routing number, the recipient's account number, and the recipient's full name exactly as it appears on the account.
- Wire transfers typically complete within one business day, but sending the wrong routing number can cause delays or misdirection.
- The routing number 043000096 is different from PNC's ACH routing number, which is used for automatic transfers and bill payments.
Where to find PNC's routing number if you need to confirm it
You can find PNC's wire transfer routing number in several places. The easiest is to log into your PNC online banking account and look for account details or wire transfer information. PNC's website also lists the routing number on its wire transfer page.
If you have a PNC checkbook, the routing number appears at the bottom left of each check, printed before your account number. However, the number on your check may be an ACH routing number rather than a wire routing number, so confirm which one you need before using it.
You can also call PNC customer service at 1-800-762-6762 and ask for the wire transfer routing number. A representative can confirm the number and answer questions about your specific transfer.
The difference between wire routing numbers and ACH routing numbers
PNC has two different routing numbers: one for wire transfers and one for ACH transfers. ACH transfers are automated clearing house transfers, which include direct deposits, bill payments, and transfers between your own accounts. ACH transfers typically take one to three business days.
The wire transfer routing number is 043000096. PNC's ACH routing number varies by state and account type, so you cannot use the wire routing number for ACH transfers. If you use the wrong routing number, the transfer will fail or be rejected by PNC.
When you set up a bill payment or direct deposit through PNC, the bank usually fills in the correct ACH routing number automatically. When you send a wire transfer, you must enter the wire routing number yourself or give it to the sending bank.
What information you need to send a wire to PNC
To send a wire transfer to a PNC account, gather the following information before you start:
- PNC's wire transfer routing number: 043000096
- The recipient's PNC account number (usually 10 to 12 digits)
- The recipient's full name exactly as it appears on the PNC account
- The amount you want to send
- The reason for the transfer (optional but helpful)
The recipient's name must match the name on file at PNC. If the name does not match, PNC may reject the wire or hold it for review. Ask the recipient to confirm their legal name as it appears on their account before you send the wire.
Some sending banks also ask for the recipient's address or phone number, though this is not required by PNC. Providing this information can help prevent fraud and speed up the transfer.
How to send a domestic wire to PNC through your own bank
If you have an account at another bank and want to send a wire to PNC, contact your bank's wire transfer department or log into your online banking account. Most banks have a wire transfer option in their online platform.
Enter PNC's routing number (043000096), the recipient's account number, and the recipient's name. Double-check all three pieces of information before submitting. Your bank will charge a wire transfer fee, which typically ranges from $15 to $30 for domestic wires, though this varies by bank.
After you submit the wire, your bank will give you a confirmation number. Keep this number in case you need to track the wire or contact your bank about it. The wire should reach the PNC account within one business day, often within a few hours.
International wire transfers to PNC
If you are sending money from outside the United States to a PNC account, you will need additional information beyond the domestic routing number. International wires require a SWIFT code, which is PNC's international bank identifier.
PNC's SWIFT code is PNCCUS33. You will also need the recipient's account number and full name. The sending bank in the other country will guide you through their process for entering this information.
International wires take longer than domestic wires — typically three to five business days — and may involve currency conversion fees. The sending bank and PNC may both charge fees for international transfers. Ask your sending bank about all fees before you send the wire.
What to do if a wire transfer to PNC goes wrong
If a wire transfer does not arrive within one business day, contact PNC customer service at 1-800-762-6762. Have your confirmation number from the sending bank ready. PNC can check whether the wire was received and where it went.
If the wire was sent to the wrong account because of an incorrect routing number or account number, recovery is difficult. The receiving bank may be able to reverse the transfer if you contact them quickly, but this is not may provide. This is why confirming all details before sending is critical.
If you sent the wire from another bank, also contact that bank's wire transfer department. They can help trace the wire and may be able to recover it if it was sent to the wrong place. Keep all confirmation numbers and documentation until the wire is confirmed to have arrived.
Frequently Asked Questions
Is 043000096 the same routing number for all PNC accounts?
Yes, 043000096 is PNC's wire transfer routing number for all domestic wire transfers to any PNC account, regardless of account type or location. However, if you are making an ACH transfer or bill payment, you may need a different routing number that varies by state.
Can I use PNC's wire routing number for ACH transfers?
No. Wire transfers and ACH transfers use different routing numbers. Using the wire routing number for an ACH transfer will cause the transfer to fail. When you set up ACH transfers through PNC's website, the correct ACH routing number is usually filled in automatically.
How long does a wire transfer to PNC take?
Domestic wire transfers to PNC typically complete within one business day, often within a few hours. The exact timing depends on when you send the wire and whether it is sent on a business day. Wires sent on weekends or holidays may not process until the next business day.
What happens if I send a wire with the wrong account number?
If the account number does not exist at PNC, the wire will be rejected and returned to the sending bank. If the account number exists but belongs to the wrong person, PNC may hold the wire for review or send it to that account. Contact PNC when ready if you send a wire to the wrong account.
Does PNC charge a fee to receive a wire transfer?
PNC does not charge a fee to receive domestic wire transfers. However, the sending bank will charge a fee to send the wire, typically $15 to $30. International wires may involve fees from both the sending bank and PNC.