International wire transfer fees: what US banks charge

Short answer

The international wire transfer fee at large US banks runs from $30 to $65 to send a wire abroad in US dollars, and $0 to $25 to receive one, based on each bank’s own fee schedule. Sending in foreign currency is often cheaper or free, but the bank then earns money on the exchange rate, which includes a markup.

Two costs sit on top of the fee in the table: the exchange-rate markup, which banks build into the rate instead of listing it, and fees that intermediary or receiving banks may deduct along the way.

At a glance

• Outgoing international wire in USD$30 to $65 at the large banks below (online or digital price where one exists); $25 to $90 in the wider table of banks and credit unions
• Outgoing in foreign currency, online$0 to $25 at banks that list it separately
• Incoming international wire$0 to $25
• Exchange-rate markupBuilt into the rate; no bank below states it as a percentage
• Banks that do not send international wiresAlly, SoFi, Discover, American Express, Schwab Bank
• Your right to cancel a remittance transfer30 minutes after paying

Source: each bank’s fee schedule as linked in the tables below · Checked on September 27, 2026 (Wells Fargo and Citi: September 30, 2026)

International wire transfer fees by bank

Source: each bank’s own fee schedule or help page as linked · Checked on September 27, 2026 (Wells Fargo and Citi: September 30, 2026)

These are standard consumer prices. Many banks waive wire fees on premium accounts: Citi waives them for Citigold, for example, and Truist for Truist Marquee Checking. Check your own account’s fee schedule.

Wells Fargo’s consumer fee schedule effective July 28, 2026, which it calls part of your account contract, sets the digital wire fee in US dollars at $30, and its Digital Wires page states the same. Its earlier consumer disclosures (PDF) listed $25, the figure some older Wells Fargo help pages still show. Capital One and U.S. Bank send international wires only through a branch (U.S. Bank also by phone), not online. For Wells Fargo’s wire routing number, cutoffs and steps, see wells fargo wire transfer routing number.

International wire fees at more banks and credit unions

The table below covers the banks and credit unions in our Banks catalog, in order of search demand, with the fee as each one’s own fee schedule states it. The cheapest outgoing wire here is Navy Federal’s $25. The most expensive are Associated Bank’s $90 for a branch-created wire where the sender pays every other bank’s fee, and Fifth Third’s $85 for a wire sent in US dollars.

Source: each institution’s own fee schedule or wire page, as linked · Checked on September 27–28, 2026 (Wells Fargo and Citi: September 30, 2026; Zions Bank and Associated Bank: October 2, 2026; Golden 1 and SchoolsFirst: October 7, 2026; Global Credit Union: October 9, 2026)

Why “no fee” does not mean free: the exchange rate

When a bank converts your dollars, the rate it uses includes its own margin. The banks say so in their own words:

• Bank of America: “there are markups associated with the currency conversion included in our exchange rate and we make money from the foreign currency exchange.”
• Chase: the rate “includes a spread”, and “you should expect that these foreign exchange rates will be less favorable than rates quoted online or in publications.”
• Wells Fargo: the rate “is set at our sole discretion, and it includes a markup”, and different customers may receive different rates for the same transaction.
• U.S. Bank (for money received in a foreign currency): the rate “will include our profit, fees, costs and charges.”

None of these banks states the markup as a percentage. So a “$0” foreign currency wire can cost more than a “$45” dollar wire, or less. The only way to compare is the amount the recipient will get, which the bank has to show you before you pay.

Fees you do not see in the table

Intermediary and receiving banks. An international wire can pass through other banks, and they may take a cut. Chase and U.S. Bank say other financial institutions may deduct fees from the amount, and Truist says intermediary banks may deduct fees from incoming international wires. Ally says an intermediary bank may charge a fee even though Ally does not.

The recipient’s own bank. The CFPB gives an example: a sender asks for US$120 to go to an account abroad, and only US$100 is deposited because the recipient’s bank took a US$20 incoming wire fee. That is not an error under the rules, as long as the sender was told that such fees may apply.

What the federal remittance rule gives you

Most international wires sent by consumers count as “remittance transfers” under Regulation E, subpart B: electronic transfers of more than $15 from the U.S. to someone abroad. The rule applies to banks that sent more than 500 such transfers in the prior or current year. Under it:

• Before you pay, the bank must show its fees and taxes, the exchange rate, certain fees charged by others, and the amount expected to be delivered.
• After you pay, you get a receipt with the date the money will be available.
• You can cancel within 30 minutes of paying, at no charge, unless the money has already been picked up or deposited.
• You can report an error within 180 days of the disclosed availability date. The bank must investigate within 90 days.

Bank of America describes the effect in its fee schedule: it must tell you the exact fees for international wires, including other banks’ fees, and if it does not have them, it cannot process the request.

Warning

An international wire is very hard to reverse once the cancellation window has passed. Check the recipient’s name, account number or IBAN, and SWIFT/BIC code before you pay. Confirm wiring instructions by phone, never only by email.

How the channel changes the price

Several banks charge more when a person helps you. Chase charges $50 for an international wire sent with a banker, against $40 online in dollars. PNC charges $50 agent-assisted, against $40 self-service. Wells Fargo charges $40 at a branch, against $30 digital. At Capital One the branch is the only way to send one.

If a wire is late or missing, see Wire transfer not received. For timing, see How long do wire transfers take.