Wells Fargo's routing number for domestic wire transfers is 121000248
Wells Fargo uses a single routing number for all domestic wire transfers sent from any of its branches: 121000248. This nine-digit code tells the Federal Reserve and other banks where to send money when someone initiates a wire transfer to a Wells Fargo account. You need this number whether you're sending a wire from another bank to a Wells Fargo account, or sending a wire from your own Wells Fargo account to someone else.
The routing number is the same regardless of which state your Wells Fargo branch is in or which type of account you hold. Wells Fargo does not use different routing numbers for checking accounts, savings accounts, or money market accounts. If you're wiring money to a Wells Fargo account, this is the number the sending bank will ask for.
International wire transfers use a different identifier. Wells Fargo's SWIFT code for international wires is WFBIUS6S. This code is used instead of a routing number when sending money from outside the United States to a Wells Fargo account, or when sending U.S. dollars internationally from a Wells Fargo account.
Key Takeaways
- Wells Fargo's domestic wire routing number is 121000248, and it applies to all Wells Fargo accounts and branches across the United States.
- The SWIFT code for international wires to Wells Fargo is WFBIUS6S, which replaces the routing number for transfers crossing borders.
- You will also need the recipient's account number and full name to complete a wire transfer, whether you are sending or receiving.
- Wells Fargo charges a fee for outgoing domestic wire transfers, though incoming wires are typically free; fees vary by account type and should be confirmed before sending.
When you need the routing number versus the account number
The routing number and account number serve different purposes in a wire transfer. The routing number identifies which bank holds the account — in this case, Wells Fargo. The account number identifies which specific account within that bank should receive the money. Both are required to complete a wire transfer.
If you are sending a wire to someone else's Wells Fargo account, you will provide the receiving bank (Wells Fargo) with their routing number (121000248) and their account number. If you are receiving a wire at Wells Fargo, you will give the sending bank your routing number and your account number. Your Wells Fargo account number appears on your checks, your debit card, and in your online banking portal.
How to find your Wells Fargo account number for wire transfers
Your Wells Fargo account number is printed on the bottom left of your checks, just after the routing number. The routing number comes first (121000248), followed by your account number. If you do not have checks, you can find your account number by logging into Wells Fargo's online banking portal, calling Wells Fargo customer service at 1-800-869-3557, or visiting a Wells Fargo branch in person.
When you call or visit in person, have your identification ready. Wells Fargo will verify your identity before providing account information. Online banking typically shows your account number on the account summary page or in the account details section.
Wire transfer fees at Wells Fargo
Wells Fargo charges a fee for outgoing domestic wire transfers. The fee amount depends on whether you initiate the wire online, by phone, or in person at a branch, and it may also vary by account type. As of the most recent information available, domestic outgoing wires typically cost between $15 and $30, but you should confirm the current fee with Wells Fargo before sending, as fees change periodically.
Incoming wire transfers to your Wells Fargo account are generally free. If you are receiving a wire, you will not be charged by Wells Fargo. However, the bank sending the money may charge their own fee, so the sender should check with their bank about costs on their end.
International wire transfers carry higher fees than domestic wires. Wells Fargo typically charges $15 to $20 for outgoing international wires, though the exact amount depends on the destination country and the amount being sent. Some international wires may also include a currency conversion fee if the transfer involves exchanging U.S. dollars for another currency.
Information you will need to send a wire from Wells Fargo
To send a domestic wire transfer from your Wells Fargo account, you will need to provide the following information about the recipient: their full name, their account number, their bank's routing number, and the bank's name and location. For a wire to another Wells Fargo account, you would use routing number 121000248.
You will also need to specify the amount you want to send and provide a reference or memo if you want one included with the transfer. Some wire transfers allow you to add a brief note so the recipient knows what the money is for. Wells Fargo processes domestic wires the same day if submitted before the cutoff time, which is typically 2 p.m. Pacific Time on business days.
For international wires, you will need additional information: the recipient's SWIFT code or IBAN (International Bank Account Number), depending on the country. You may also need the recipient's address and the purpose of the transfer. International wires typically take one to three business days to arrive, depending on the destination country and the receiving bank's processing speed.
How to initiate a wire transfer at Wells Fargo
You can send a wire transfer from Wells Fargo through three channels: online banking, phone, or in person at a branch. Online banking is the fastest and most convenient option for most people. Log into your Wells Fargo account, navigate to the wire transfer section (usually under "Transfers" or "Send Money"), and follow the prompts to enter the recipient's information and the amount.
To send a wire by phone, call Wells Fargo at 1-800-869-3557 and speak with a representative. They will ask you for the recipient's details and verify your identity before processing the transfer. Sending a wire in person requires you to visit a Wells Fargo branch with your identification and provide the recipient information to a teller.
Domestic wires initiated before the cutoff time on a business day typically arrive the same day. International wires take longer and may require additional verification or documentation, especially for larger amounts. Wells Fargo may contact you if they need more information before processing an international wire.
Frequently Asked Questions
Is Wells Fargo's routing number the same for all accounts?
Yes, Wells Fargo uses routing number 121000248 for all domestic wire transfers, regardless of account type, location, or branch. The routing number does not change based on whether you have a checking account, savings account, or money market account.
What is the difference between a routing number and a SWIFT code?
A routing number identifies a U.S. bank for domestic wire transfers. A SWIFT code identifies a bank internationally and is used for wires crossing borders. Wells Fargo's routing number is 121000248 for domestic wires; its SWIFT code is WFBIUS6S for international wires.
How long does a wire transfer take at Wells Fargo?
Domestic wires typically arrive the same business day if sent before 2 p.m. Pacific Time. International wires usually take one to three business days, depending on the destination country and the receiving bank's processing time.
Can I cancel a wire transfer after I send it?
Cancellation depends on timing. If you contact Wells Fargo when ready after sending, before the wire has been processed, cancellation may be possible. Once the wire has left Wells Fargo's system, cancellation becomes difficult or impossible. Contact Wells Fargo when ready if you need to cancel a wire.
Do I need to provide a reference number when sending a wire?
A reference number is optional but helpful. Including one allows the recipient to identify what the wire is for. Wells Fargo allows you to add a brief memo or reference with most wire transfers, though some international wires have character limits on what can be included.