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How to Make a Domestic Wire Transfer

Different US banks require different things to complete a wire transfer for you. Please select your bank for specific guidelines:

Bank of America
Chase
Wells Fargo
PNC Bank
Citibank
TD Bank
Other banks

Is something missing or not accurate? Please let us know! 

 

Bank of America 

To send a wire transfer, sign in to online banking and select the "Transfers" tab, then select the "Outside the Bank Transfers" tab. Bank of America will likely charge you ~$25 for this transfer. 

BillPay - we can accept these payment from Bank of America. Please double check with your bank to make sure they will send the payment electronically and not via paper check - we cannot accept cash or check. 

Important: If you transfer to our account via Bank of America BillPay, you must use our ACH electronic routing number as opposed to the wire routing number given on your payment page. More information here

 

Chase

To send a wire transfer, log into the Chase online banking. Click the tab called “Payment and transfers” and set up a new wire transfer. Chase will likely charge you ~$30 for this transfer.

Quickpay – please note that we cannot accept these payments from Chase.

 

Wells Fargo

To send a ordinary wire transfer, you will need to visit a Wells Fargo branch. In case you’ve already completed a Wire Agreement at a branch, you can also set up wire transfers over the phone. Wells Fargo will likely charge you ~$30 for this transfer.   

 

PNC Bank

To send a ordinary wire transfer, you will need to visit a PNC Bank branch. PNC Bank will likely charge you ~$25 for this transfer. BillPay – please note that we cannot accept BillPay from PNC Bank.  

 

Citibank

Using the Citibank online banking you have two different ways of sending money domestically: wire transfer or external transfer. The wire transfer is faster, but Citibank will likely charge you ~$35. The External transfer is slower and only for transfers up to $2000, but usually at no extra fee.

To send a wire or an external transfer, log into the Citibank online banking. Then go to “Payments and transfers”, select the transfer of your choice, and enter the TransferWise bank account details you’ve been given (note that what we call routing number may be called ABA number).

 

TD Bank


To send a ordinary wire transfer, you will need to visit a TD Bank branch. TD Bank will likely charge you ~$25 for this transfer.

Please note that we can’t accept BillPay from TD Bank. Also, despite its name you won’t be able to use the “Transfers to accounts outside TD Bank” option.

 

I’m with another bank

We accept transfers from all banks, but unfortunately can’t keep instructions up to date for each one. So, here are some general rules of thumb. 

1. Wire transfer – this is the most common way of transferring money domestically. Some banks offer this via online banking, others require you to call or visit a branch to set up a wire. Your bank will likely charge a fee between $20-$35 to make this transfer.

2. BillPay – we can only accept BillPay payments sent electronically (as ACH). If your bank tries sending the money as a check, we will not be able to accept it. Please check this with your bank before attempting to use BillPay. 

3. ACH transfer or Electronic Funds Transfer (EFT) – some banks offer these transfers, which are equivalent to a wire transfer. They are usually slower than wire transfers but can also cost less. To make one, you'll need to use our ACH routing number and account number (both shown in the final step when you create a payment under the 'Wire Transfer' tab)

4. Sending money to our email / phone number – unfortunately we can’t accept any transfers sent this way.

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