Incoming wire transfer fees by bank: domestic and international

What major US banks and credit unions charge to receive a domestic or international wire.

An incoming wire transfer fee is what your own bank charges to credit a wire sent to you; the sender pays a separate fee to send it. Of the 40 banks and credit unions below, 13 charge nothing to receive a domestic wire, and Capital One charges nothing on 360 Checking. The most common incoming domestic wire fee is $15, at 14 banks, and the highest is Citizens’ $18 to $28.

At a glance

• Free to receive (domestic)13 of 40, including Wells Fargo, USAA, Navy Federal, Ally, SoFi and PenFed
• Most common fee$15 (14 banks); $16 at 3 more
• Highest domestic feeCitizens, $18 to $28 depending on how you want to be notified
• Highest international fee$25 at Synovus and U.S. Bank
• Credit unions6 of the 10 charge $0; America First, Desert Financial, Mountain America and Patelco charge $10

Source: each bank’s fee schedule or wire page, linked with its date on the bank’s page · Checked September 27 to October 8, 2026

Source: original 38-institution chart snapshot checked September 27 to October 8, 2026; the live table below now includes 40 institutions checked through October 14, 2026. “Varies” is Capital One ($0 on 360 Checking, $15 on other accounts).

Incoming wire fees by bank

Sources: each bank’s fee schedule, account agreement or wire help page, linked with its date on the bank’s page · Checked on September 27, 2026; Fifth Third, Regions and Santander checked on September 28, 2026; First Horizon Bank, Zions Bank, Associated Bank and Old National Bank checked on October 2, 2026; Bank OZK checked on October 4, 2026; Golden 1 Credit Union and SchoolsFirst FCU checked on October 7, 2026; America First Credit Union and Mountain America Credit Union checked on October 8, 2026

Fees are for personal accounts. An empty cell means the bank’s pages we checked list no incoming fee for that kind of wire. Discover, Global Credit Union and Security Service FCU are left out: their pages list no incoming fee for either kind of wire.

How to pay less to receive a wire

1. Check your account tier. Bank of America, Citibank, Citizens, M&T Bank and Bank OZK waive or refund the incoming fee on their premium or relationship accounts.
2. Ask where the wire comes from. KeyBank and U.S. Bank charge less, or nothing, when the wire comes from another account at the same bank, and Chase charges $0 for a wire sent with a Chase banker or online at Chase.
3. Ask for US dollars on a wire from abroad. Your bank converts a foreign currency wire at its own rate, and intermediary banks can take charges out of the amount; Ally says so even though it charges $0 itself.

Warning

If someone sends you a wire and then asks you to send part of it back, or to forward it, check with your bank that the money has really arrived and cleared first. A screenshot or an email is not proof of a wire.

The details to give the sender and how fast the money must reach you are in how to receive a wire transfer. When a wire goes out depends on the sender’s wire transfer cutoff time. What sending abroad costs is in international wire transfer fees, and every fee here comes from our bank list. More tables: bank comparison tables.