No online wire button: Navy Federal takes wire requests by form. $20 domestic, $25 international.
A Navy Federal wire transfer costs $20 to a US account and $25 abroad; incoming wires are free. You request an outgoing wire with Navy Federal’s wire form, sent by secure message, at a branch, by phone or by mail. Navy Federal expects domestic wires to take 1–2 business days and international wires 5–7.
At a glance
- Domestic wire out$20
- International wire out$25
- Incoming wire (domestic or international)No charge; US dollars only
- Incoming same-day processingIf received before 7:30 PM ET
- How to sendWire form by secure message, branch, phone (1-888-842-6328) or mail
Source: Navy Federal: Wire Transfers · Checked on September 28, 2026
How to send a wire from Navy Federal
- Get the recipient’s wiring instructions. For an international wire, Navy Federal tells you to ask the payee for their bank’s instructions to limit delays.
- Fill in the Domestic or International Wire Transfer Form.
- Hand the form in by secure message in online or mobile banking, at a branch, by phone at 1-888-842-6328, or by mail to Navy Federal Credit Union, Attn: Funds Disbursement Section, 820 Follin Lane SE, Vienna, VA 22180. After a secure message, Navy Federal contacts you to process the wire.
- Third-party wires over $5,000 must be requested in writing, by secure message or at a branch.
If you plan to send an international wire from a branch, Navy Federal asks you to confirm first that your local branch offers it.
Source: Navy Federal: Wire Transfers · Checked on September 28, 2026
What you need to send a wire
| Detail | Domestic | International |
|---|---|---|
| Your name, address, account number | Yes | Yes |
| Payee name, address, account number, account type | Yes | Yes |
| IBAN or CLABE | No | Yes, where the country uses one |
| Receiving bank name and address | Yes | Yes |
| Receiving bank routing number (ABA) | Yes | No |
| Receiving bank SWIFT/BIC | No | Yes |
| Intermediary bank name and routing number | If applicable | If applicable |
| Amount, type and purpose of wire, third-party status | Yes | Yes |
| Currency | No | Yes (foreign currency or US dollars) |
Source: Navy Federal: Wire Transfers · Checked on September 28, 2026
For a foreign-currency wire, Navy Federal’s correspondent bank quotes an exchange rate and the total the payee will receive; once you accept, the rate is locked. Navy Federal says the quoted rate includes the cost of exchanging the funds.
How long a Navy Federal wire takes
Timeline
- You submit the wire formby secure message, branch, phone or mail
- Navy Federal processes itafter a secure message, it contacts you first
- 1–2 business daysNavy Federal’s expected wait for a domestic wire
- 5–7 business daysits expected wait for an international wire
Navy Federal sends wires through the Federal Reserve and handles international wires through a dedicated correspondent bank. Wires do not move on weekends or Fed holidays; the next one is October 12, 2026 (see how long do wire transfers take).
Source: Navy Federal: Wire Transfers · Federal Reserve: holiday schedules · Checked on September 28, 2026
How to receive a wire into Navy Federal
Give the sending bank these details, as Navy Federal publishes them:
At a glance
- Nameas titled on your Navy Federal account
- Account numberthe account to credit
- Routing/ABA number256074974
- Bank address820 Follin Lane SE, Vienna, VA 22180
- SWIFT/BICNFCUUS33XXX
Source: Navy Federal: Wire Transfers · Checked on September 28, 2026
Incoming wires can go to savings, checking or Money Market Savings, and to a loan, credit card, mortgage, Checking Line of Credit or lease account. Navy Federal charges nothing to receive, though the sending bank may charge to send. Wires received before 7:30 PM ET are processed the same day.
Navy Federal receives US dollars only. For an international wire, tell the sender’s bank to route it through a correspondent bank.
Canceling a Navy Federal wire
Warning
Navy Federal calls wire transfers “immediate, final and irrevocable.” Call 1-888-842-6328 at once: a wire still at Navy Federal can be canceled with no fee. Once processed, Navy Federal can only ask the payee’s bank to return the money, other banks may charge if it succeeds, and there is no set time for an answer. An international wire can be canceled within 30 minutes of submission, with a full refund unless the receiving bank already has the funds.
Navy Federal asks you to contact it five business days after a cancellation request for an update. If you were talked into sending a wire, report it to Navy Federal right away; see wire transfer not received for what a bank can and cannot do.
Source: Navy Federal: Wire Transfers · Checked on September 28, 2026
Where Navy Federal will not send wires
Navy Federal will not send wires to Cuba, Iran, Libya, North Korea, Russia, Sudan, Syria, Yemen or the Crimean, Donetsk and Luhansk regions of Ukraine. Other countries may require extra information.
For Navy Federal’s Zelle limits and ACH transfers, see the Navy Federal Credit Union page; to compare with other banks, see wire transfer cutoff time. This page describes Navy Federal’s published terms; it is not financial advice.