Can you make a wire transfer over the phone

• You can send a wire transfer to a title company or a linked external account that has been on file for at least 30 days (additional recipient options are supported for certain account types) within the United States (including U.S. territories).
• Online wire transfers can only be sent within the United States (including U.S. territories).
• The money will be delivered the same day, if requested by 2 p.m ET Monday-Friday (except Federal holidays). If it’s requested after this time, it will be delivered the next business day.
• An online wire transfer may not be able to be deleted or cancelled. An associate may be able to do an investigation to resolve the issue.

There are three ways to send wire transfers: online, in branch and by phone.

Online 

To send a domestic wire transfer online you must have a mobile phone number that can be used to receive a one-time passcode. Most accounts that have online access are eligible to send online wire transfers. Examples of these account types include: 360 Checking, 360 Savings, 360 Money Market, Total Control Checking, Confidence Savings, Savings Now, Performance Savings and Simply Checking.

By phone 

If you need assistance, domestic wire transfers can be sent through our Wire Team from 9a.m. ET to 5 p.m. ET Monday-Friday.

In-branch 

In-branch domestic and international wire transfers are typically reserved for Capital One Essential Checking, High-Yield Checking, and Essential Savings retail account customers. Please refer to your local bank branch for more information on sending international wire transfers.

For more information on how to send a wire transfer, visit our overview page.

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Need your money to get there quickly and securely?

Use wire transfers to get funds to family, businesses, or internationally, where timing matters

The way to send money when faster is better

Around the globe

With Wells Fargo Online Wires, you can send money to both personal and business accounts in the U.S. and 200+ countries. Additional fees may apply.

When timing is key

Domestic and International Wire Transfers sent through Online Wires are typically sent the same business day if they are submitted by 2:00 pm Pacific Time. Otherwise, they will be sent the next business day. Easily access your online wires history through Wells Fargo Online.

Convenience matters

With online wires, you can:

• Add a recipient once – we’ll save the details for next time
• Set your mobile language preference to Spanish

How to set up and send online wires

• Sign on to Wells Fargo Online.
• Select Wire Money in the Transfer & Pay menu.
• Add recipient details.
• Send the wire (You must have a valid U.S. Mobile number or secure ID device to wire money).

Frequently asked questions

How do I send an online wire?

• Sign on to Wells Fargo Online, go to Transfer & Pay, and enroll in Online Wires to get started.
• Add your recipient, select funding account and amount (along with any additional details required for certain countries).
• Review and send your payment.

You must have a current residence in the United States to send an online wire. Customers living in U.S. territories (American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands) or other countries can’t send wires online.

How much money can I send with Wells Fargo Online® Wires?

For your security, we restrict the amount of money you can send to recipients online. You will be able to review any limits before completing your wire transfer in online banking. To request higher limits for online wires, please visit your local branch.

What information do I need to wire money through Wells Fargo?

To send a wire, you will need:

• The name and address of your recipient
• The name of your recipient’s bank
• A valid U.S. mobile number or RSA SecurID device

To send a domestic wire, you will also need:

• The routing (ABA/RTN) number for your recipient’s bank. If you don’t know your routing number, we can look it up for you on the Add Recipient screen.
• Your recipient’s account number

To send an international wire, you will also need:

• The SWIFT/BIC for your recipient’s bank. A SWIFT code or Bank Identification Code (BIC) identifies the bank that will receive your wire transfer. If you don’t know this, contact your recipient’s bank.
• Your recipient’s International Bank Account Number (IBAN). An IBAN identifies specific bank accounts at international banks. Depending on the country, we may ask you to provide an IBAN when you send an international wire transfer.

Certain countries require additional codes as follows:

• Australia: Australian Branch Code (BSB)
• Canada: Canadian Payment Routing Number
• Great Britain: U.K. Sort Code
• India: IFSC Code
• Mexico: CLABE
• New Zealand, Cook Islands, Niue, Pitcairn and Tokelau: New Zealand Clearing Code
• Some countries also require you to provide a purpose of payment

Wires FAQs

Can I do a wire transfer remotely?

What is the fastest way to do a wire transfer?

Can you do a wire transfer over the phone Wells Fargo?