Wire transfers at Bank of America work through their online banking platform, their mobile app, or by calling their wire transfer line

Bank of America lets you send domestic wires (within the U.S.) and international wires through multiple channels. The fastest route is usually their online banking platform or mobile app if you have an account set up. You can also call their wire transfer department at 1-800-869-3557 to initiate a wire by phone, or visit a branch in person. The bank charges a fee for wire transfers — domestic wires typically cost around $15, and international wires run higher, though the exact amount depends on the type of account you hold.

Before you start, gather the information you'll need. For a domestic wire, you need the recipient's name, their bank's routing number, their account number, and the amount you want to send. For an international wire, you'll also need the recipient's bank's SWIFT code (an international identifier) and possibly their IBAN (International Bank Account Number). Bank of America's system will walk you through each field.

Key Takeaways

  • Bank of America processes domestic wires the same business day if you send before their cutoff time, usually around 2 p.m. Eastern Time on weekdays.
  • International wires take longer — typically one to three business days depending on the destination country and the receiving bank's processing speed.
  • You can send a wire online, through their mobile app, by phone, or in person at a branch, and each method requires the same recipient information.
  • Wire transfer fees at Bank of America are around $15 for domestic transfers and higher for international ones, though fees vary by account type.
  • Once a wire is sent, you cannot cancel it if the receiving bank has already processed it, so double-check all details before confirming.

Sending a domestic wire through Bank of America online

Log into your Bank of America online banking account and look for the "Transfer & Pay" section, usually found in the main menu. Select "Wire Transfer" and then choose "Domestic Wire" if you're sending money within the United States. The system will ask you to enter the recipient's name, their bank's routing number (a nine-digit code), and their account number.

Enter the amount you want to send and any reference information you want included — this is optional but helpful if the recipient needs to know what the money is for. Review all the details carefully before you submit. Bank of America will show you the fee amount before you confirm, so you'll know the total cost. Once you hit confirm, the wire is sent and cannot be reversed if the receiving bank has already processed it.

Sending an international wire from Bank of America

International wires follow the same general process but require additional information. In your online banking account, select "Wire Transfer" and then "International Wire." You'll need the recipient's SWIFT code, which identifies their bank internationally, and their IBAN if the country uses one (most European and many other countries do). The IBAN is a longer account identifier that includes the country code.

Bank of America's form will also ask for the recipient's bank name and address. Some international wires require you to specify whether the receiving bank should deduct fees from the amount sent or whether you're paying all fees on your end — this matters because it affects how much money the recipient actually receives. International wires typically take one to three business days, though some countries process more slowly.

Sending a wire by phone or in person

If you prefer not to use online banking, you can call Bank of America's wire transfer line at 1-800-869-3557. A representative will ask for the same information — recipient name, routing number, account number, and amount — and will process the wire for you. Phone wires are useful if you have questions about the process or if you're not comfortable with the online platform.

You can also visit a Bank of America branch and ask a teller to send a wire for you. Bring a valid ID and be ready to provide all the recipient information. In-person wires take the same amount of time as online wires, and you'll pay the same fee. Some branches may require you to have a minimum balance or may have other requirements, so call ahead if you want to confirm.

Timing and cutoff times for Bank of America wires

Domestic wires sent before 2 p.m. Eastern Time on a business day (Monday through Friday) are usually processed the same day. If you send after 2 p.m., the wire goes out the next business day. Weekends and bank holidays don't count as business days, so a wire sent on Friday evening won't leave until Monday.

International wires take longer because they move through multiple banks and sometimes through intermediary banks. Most international wires arrive within one to three business days, but some countries' banking systems are slower. Bank of America cannot control how fast the receiving bank processes the money once it arrives, so delays on the receiving end are outside their control.

What to do if you need to cancel or change a wire

If you realize you made a mistake right after sending, contact Bank of America when ready. Call 1-800-869-3557 and explain the issue. Bank of America can sometimes stop a wire if it hasn't been processed by the receiving bank yet, but this is not may provide. The sooner you call, the better your chances.

Once the receiving bank has processed the wire, it cannot be reversed. If money was sent to the wrong account or the wrong person, you would need to contact that person or their bank to request the money back — Bank of America cannot force a return. This is why checking all details before you confirm is so important.

Wire transfer fees and account types

Bank of America charges around $15 for domestic wire transfers, though some account types may have different fees or may waive fees if you meet certain balance requirements. International wire fees are higher and vary depending on whether the wire goes to a Bank of America branch in another country or to an unaffiliated bank. Premium accounts like Bank of America Preferred Rewards may offer lower or waived wire fees.

The fee is deducted from your account when the wire is sent, so make sure you have enough money in your account to cover both the transfer amount and the fee. If you're unsure about your specific account's wire fees, log into your account or call customer service at 1-800-225-5935.

Frequently Asked Questions

How long does a Bank of America wire transfer take?

Domestic wires sent before 2 p.m. Eastern Time on a business day are processed the same day. International wires typically take one to three business days, depending on the destination country and the receiving bank's processing speed.

Can I send a wire transfer from my Bank of America savings account?

Yes, you can send wires from most Bank of America checking and savings accounts. Some account types may have restrictions, so check your account details or call customer service if you're unsure whether your account supports wire transfers.

What information do I need to send an international wire?

You need the recipient's name, their bank's SWIFT code, their IBAN (if applicable), the bank's name and address, and the amount you want to send. Bank of America's online form will guide you through each field and tell you which ones are required for the destination country.

What happens if I send a wire to the wrong account number?

Once the receiving bank processes the wire, Bank of America cannot reverse it. You would need to contact the recipient bank or the person who received the money and ask them to return it. This is why it's critical to verify all account details before confirming the wire.

Does Bank of America charge a fee to receive a wire transfer?

Bank of America does not charge you a fee to receive a domestic wire transfer. International incoming wires may have a fee depending on your account type, so check your account details or call customer service for specifics.