USAA wire transfer: fees, cutoff times, limits and how to receive

$20 at home, $45 abroad, free to receive. Beat 5:00 PM ET and it usually goes the same day.

A USAA wire transfer costs $20 to a US bank and $45 abroad ($20 wire fee plus a $25 international wire service fee); incoming wires are free. Domestic requests received by 5:00 PM ET (4:00 PM CT) on a business day are generally processed the same day, and the recipient should get the money the same or next business day. International wires can take up to 15 calendar days.

At a glance

• Domestic wire out$20
• International wire out$45 total ($20 wire fee + $25 international wire service fee)
• Incoming wire$0
• Domestic cutoff5:00 PM ET (4:00 PM CT), Monday to Friday
• International cutoff4:30 PM ET (3:30 PM CT), Monday to Friday
• Wire limitSet by USAA; it notifies you before cutting it below $10,000 per wire or two wires per rolling 30 days

Sources: USAA: How to send a domestic wire · USAA: How to send an international wire · USAA Depository Agreement and Account and Service Fee Schedule · Checked on September 28, 2026

How long a USAA wire takes

Timeline

1. Before 5:00 PM ET on a business dayyou submit a domestic wire (4:30 PM ET for international)
2. Same business dayUSAA generally processes a request received by the cutoff
3. Same or next business daythe recipient should receive a domestic wire once processed
4. Up to 15 calendar daysan international wire, which foreign bank holidays or the intermediary bank can delay

A request received after the cutoff, on a weekend or on a federal holiday is processed the next business day. The next Fed holiday is Columbus Day, October 12, 2026. USAA also checks each request through its security procedures, which can include contacting you to confirm it, before sending.

Sources: USAA: How to send a domestic wire (form 505489-0625) · USAA: How to send an international wire (form 505491-0725) · USAA Depository Agreement (effective October 10, 2025) · Federal Reserve: holiday schedules · Checked on September 28, 2026

What you need to send a wire from USAA

Source: USAA: How to send a domestic wire · USAA: How to send an international wire · Checked on September 28, 2026

USAA’s instruction sheets point to usaa.com, 210-531-8722 or 800-531-8722, and #8722 from a mobile phone. USAA sends international wires through its intermediary bank, The Bank of New York, and does not send funds to countries and territories sanctioned by federal law.

USAA may rely on the account number alone: its agreement says it can process a wire by account number even if the name on the order differs. If the instructions are wrong, the money may be lost, delayed or returned, and a returned wire comes back minus fees.

Limits on USAA wires

USAA’s agreement says it may limit the amount and number of wires, that you cannot wire more than your available balance, and that it will notify you in advance, where the law requires, before lowering your limit below $10,000 per wire or below two wires per rolling 30 days. New accounts and minor account owners may face extra limits.

Source: USAA Depository Agreement and Account and Service Fee Schedule (effective October 10, 2025) · Checked on September 28, 2026

How to receive a wire into USAA

For a USAA Federal Savings Bank checking or savings account, give the sender these details, as USAA publishes them:

At a glance

• Routing number314074269
• Bank address, if neededUSAA Federal Savings Bank, 10750 McDermott Freeway, San Antonio, TX 78288
• Account numberyour USAA Bank checking or savings account number
• Account holderyour full name and street address
• Incoming fee$0
• Incoming cutoff6:00 PM ET (5:00 PM CT); later wires post the next business day

Source: USAA: Domestic wire into a checking or savings account · Checked on September 28, 2026

Incoming wires are available on the day USAA receives them. A wire sent in a foreign currency is converted to US dollars by an intermediary or correspondent bank before it reaches USAA, and that rate may include a spread or commission. Loan and home equity accounts use different wire instructions; take them from USAA’s own sheet for that account.

Sources: USAA Depository Agreement · USAA: Domestic wire into a consumer loan account · Checked on September 28, 2026

Canceling or fixing a USAA wire

Warning

USAA’s agreement says it is not obliged to cancel or amend a wire once it receives the order, and often cannot after processing. It may try, if the request passes its security procedures, and may charge for it. International wires sent for personal, family or household purposes come with federal remittance disclosures that include cancellation and error-resolution rights; read the disclosure USAA gives you at the time of the transfer. Report a wrong or unauthorized wire on your statement within 60 days.

Source: USAA Depository Agreement and Account and Service Fee Schedule (effective October 10, 2025) · Checked on September 28, 2026

If a wire has not arrived, see wire transfer not received. For USAA’s Zelle limits, see the USAA page; to compare cutoffs, see wire transfer cutoff time. This page describes USAA’s published terms; it is not financial advice.