Wells Fargo wire transfer: routing number, fees and cutoff

Routing number 121000248, $30 per digital wire, free to receive. Beat 6:00 PM ET and it goes the same day.

The Wells Fargo wire transfer routing number is 121000248: Wells Fargo publishes it on its own pages as the number for incoming domestic wires. For international wires into Wells Fargo, the sender uses the SWIFT/BIC code WFBIUS6S instead. Sending a digital wire costs $30 (no fee for a digital international wire in a foreign currency), a branch wire costs $40, and incoming wires are free for consumer accounts.

At a glance

• Routing number for incoming domestic wires121000248
• SWIFT/BIC for incoming international wiresWFBIUS6S
• Domestic wire out$30 digital, $40 in a branch
• International wire out$30 digital in US dollars; no fee digital in a foreign currency; $40 in a branch
• Incoming wireNo fee (consumer accounts)
• Same-day cutoff, digital wires6:00 PM ET domestic, 5:20 PM ET international, 7:30 PM ET to another Wells Fargo account

Sources: Wells Fargo: Digital Wires FAQs · Wells Fargo: Consumer Account Fees and Information, effective July 28, 2026 (PDF) · Checked on September 30, 2026

How to receive a wire into Wells Fargo

Give the sender these details, as Wells Fargo publishes them:

At a glance

• Routing number (ABA/RTN), domestic wires121000248
• SWIFT/BIC, international wiresWFBIUS6S
• Bank nameWells Fargo Bank, NA
• Bank address333 Market Street, San Francisco, CA 94105, regardless of where your account is
• Beneficiary account numberyour complete Wells Fargo account number, including leading zeros
• Beneficiary name and addressas they appear on your statement

Source: Wells Fargo: Digital Wires FAQs · Checked on September 30, 2026

Wells Fargo says wire routing numbers differ from the numbers used for checking and savings deposits, so do not copy the number from a check or direct deposit form for a wire. Its routing number page gives the same wire number, 121000248, and SWIFT code. Wells Fargo does not limit how much you can receive by wire, though the sender’s bank may cap what it sends.

A wire arriving in a foreign currency is converted into US dollars at Wells Fargo’s exchange rate without prior notice; Wells Fargo says that rate includes a markup. If a foreign sender’s bank asks for intermediary bank details, Wells Fargo points to its foreign currency incoming wire instructions.

Sources: Wells Fargo: Digital Wires FAQs · Wells Fargo: Deposit questions · Wells Fargo: Routing and account numbers · Checked on September 30, 2026

What a Wells Fargo wire costs

Source: Wells Fargo: Consumer Account Fees and Information, effective July 28, 2026 (PDF) · Checked on September 30, 2026

The fee schedule effective July 28, 2026, which Wells Fargo calls part of your account contract, sets the digital wire at $30, and the Digital Wires page says the same; the Digital Wires FAQs still show $25, the earlier figure. Premier Checking waives the outgoing wire fee without limit. A standing transfer order costs $25 each and a drawdown $15 each. Other banks along the way may charge their own fees, and Wells Fargo says it makes money on the exchange rate whenever it converts currency, even when the wire fee is waived.

Cutoff times and how long it takes

Timeline

1. Before 6:00 PM ET on a business dayyou submit a domestic digital wire (5:20 PM ET for international, 7:30 PM ET to another Wells Fargo account)
2. Same business dayWells Fargo sends a wire submitted before its cutoff, unless it holds it for review
3. After the cutoff, a weekend or a holidaythe wire goes out the next business day
4. Internationaldelivery time depends on the recipient’s country

Wells Fargo publishes its cutoffs in Pacific Time: 3:00 PM PT domestic, 2:20 PM PT international and 4:30 PM PT to another Wells Fargo account. It says a wire may go through an internal review before it is sent, and that it may contact you to verify the payment, which can delay delivery. The next Federal Reserve holiday is Columbus Day, Monday, October 12, 2026.

Sources: Wells Fargo: Digital Wires FAQs · Wells Fargo: Digital Wires · Federal Reserve Financial Services: holiday schedules (checked September 28, 2026) · Checked on September 30, 2026

How to send a wire from Wells Fargo

1. Sign on to Wells Fargo Online and go to Transfer & Pay, then Wire Money.
2. Add the recipient, pick the account to fund it from and enter the amount. Some countries need extra details, which the form asks for.
3. Review the fee and send. You need a valid US mobile number or an RSA SecurID device.

Source: Wells Fargo: Digital Wires FAQs · Checked on September 30, 2026

You must have a current US residence to send a digital wire; customers in US territories or other countries cannot send one online and can go to a branch. Wells Fargo sets a daily and a rolling 30-day digital wire limit for each customer, based on account and banking history and the recipient. To send more than your limit, you visit a branch.

Canceling a Wells Fargo wire

Warning

You can cancel a digital wire only while its status is Scheduled, from the confirmation page, the wire details page or the Activity section. Once it is Pending, it can no longer be canceled. A wire Under review may still be canceled by calling 877-499-6920. A wire the recipient’s bank does not accept comes back to your account, possibly minus other banks’ fees, and a foreign currency wire may come back as fewer dollars after conversion.

Source: Wells Fargo: Digital Wires FAQs · Checked on September 30, 2026

If a wire has not arrived, see wire transfer not received. For Wells Fargo’s Zelle limit and other fees, see does wells fargo have zelle; to compare cutoffs, see wire transfer cutoff time. This page describes Wells Fargo’s published terms; it is not financial advice.