To receive a wire transfer at Bank of America, you need to give the sender a few key pieces of information about your account: your full name, your account number, the bank’s routing number, and (for international wires) Bank of America’s SWIFT code. Once the sender initiates the transfer with those details, domestic wires typically land in your account the same business day, while international wires take one to two business days.
Information the Sender Needs
Before anyone can wire money to your Bank of America account, you need to provide them with the correct banking details. The exact information depends on whether the wire is coming from inside the United States or from another country.
For a domestic wire transfer, give the sender:
- Your full legal name as it appears on your Bank of America account
- Your account number
- Bank of America’s domestic wire routing number: 026009593
- Bank name and address: Bank of America, N.A., 100 West 33rd Street, New York, NY 10001
For an international wire transfer, the sender will also need:
- Bank of America’s SWIFT code: BOFAUS3N
- Your account number (the same one you use for domestic transactions)
Note that the wire routing number (026009593) is different from the ABA routing number printed on your checks, which varies by state. Wire transfers use a dedicated routing number that is the same for all Bank of America customers nationwide. Using the wrong routing number is one of the most common reasons a wire gets delayed or rejected, so double-check this with the sender.
Where to Find Your Account Details
If you’re not sure of your account number or want to confirm your wire transfer details, you can find them in a few places. In Bank of America’s online banking portal, log in and click on your account, then look for account details or account information. Your account number will be displayed there. You can also find your account number on any Bank of America check, printed along the bottom between the routing number and the check number.
The mobile app works similarly. Open the app, tap on the account you want to receive the wire into, and look for account details. If you’d rather speak to someone, you can call Bank of America’s customer service line or visit a branch to get a printout of your full wire instructions.
Fees for Receiving a Wire
Bank of America charges $15 to receive a domestic wire transfer and $15 to receive an international wire transfer. These fees are automatically deducted from the incoming amount or from your account balance when the wire arrives.
You may be able to avoid these fees depending on your account type. The domestic incoming wire fee is waived for customers with Advantage Relationship Banking, Advantage with Tiered Interest Checking, and Advantage Regular Checking accounts, as well as Preferred Rewards members. The international incoming wire fee is waived for Preferred Rewards members at the Platinum, Platinum Honors, and Diamond Honors tiers.
For international wires specifically, the $15 Bank of America fee isn’t the only cost to watch for. The sender’s bank may charge its own outgoing wire fee, and intermediary banks that handle the transfer along the way can deduct additional fees. If the sender wires money in a foreign currency, Bank of America converts it to U.S. dollars using an exchange rate the bank sets, which may differ from the mid-market rate you see on Google. All of this means the amount that hits your account could be noticeably less than what the sender originally sent.
How Long It Takes
Domestic wires are typically credited to your account the same business day they’re sent, as long as the sending bank initiates the transfer before its own cutoff time. Bank of America’s cutoff for outgoing wires is 5:00 p.m. Eastern, and most major banks follow a similar schedule. If a wire is sent late on a Friday or over a weekend, it won’t process until the next business day.
International wires take longer. Expect one to two business days for the funds to appear in your account after the sending bank initiates the transfer, though it can stretch to five business days depending on the currency, the country of origin, and how many intermediary banks are involved in the chain.
What to Do Once the Wire Arrives
You’ll typically see the wire appear as a deposit in your transaction history. Bank of America doesn’t send automatic notifications for every incoming wire, so check your account online or in the app if you’re expecting one. If the expected amount hasn’t appeared within the normal timeframe, contact Bank of America’s customer service with the sender’s confirmation or reference number so they can trace the transfer.
If you receive wires infrequently and the $15 fee feels steep for a one-time transfer, keep in mind that peer-to-peer services like Zelle (which is built into the Bank of America app) let you receive money from people within the U.S. at no cost, though Zelle has lower transfer limits and works best for payments between individuals rather than large transactions like real estate closings or business payments.