Wells Fargo Wire Transfer: Limits, Fees, Rates, and More

  • What are the Online Payment Services at Wells Fargo?
  • Zelle
  • ExpressSend
  • Wires
  • How to Send Money via Wells Fargo Wires?
  • How Much Does a Wire Transfer Cost?
  • What are the Transaction Limits?
  • Bottom Line
  • Frequently Asked Questions

With the holiday season just around the corner, you're probably anxious about all the ways that it's going to cost you money, but also looking forward to sharing the festive spirit with family and friends.

Many Americans will reach out to financial services companies like Wells Fargo for a wire transfer or two. Its story dates all the way back to 1852, and they went all the way from a brick-and-mortar bank for exchanging gold coins to lightning-fast online transactions.

With corporate headquarters in San Francisco, California, Wells Fargo is helping customers around the United States and beyond with its innovative financial services.

In this guide, we'll dive deeper into the Wells Fargo methods for online money transactions and break down the limits, fees, rates, and other aspects of its wire transfer functionality.

At the moment, your Wells Fargo account has three different money transaction options: sending and receiving money with Zelle, using wire transfer, and a remittance service called ExpressSend. We'll walk you through all three of them.


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If you enroll with the US-based digital payments network Zelle through Wells Fargo Online, you can send money within the country using a Zelle-enrolled email address or U.S.

mobile phone number. The processing time is instant, and Wells Fargo won't charge any fee to process your request.


Wells Fargo ExpressSend is a global remittance service that allows users to send money to 13 countries, using over 49,000 payout locations. The bad news is that you can't use the Wells Fargo banking app but have to visit a branch or order a transaction via phone. You can also send money to Mexico, Dominican Republic, El Salvador, Guatemala, Honduras, Nicaragua, Colombia, Ecuador, Peru, China, India, Philippines, and Vietnam. According to the bank's site, this person-to-person payment service costs an affordable $8 or less.


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Finally, we come to the final option - Wells Fargo Online Wires, a reliable and convenient bank-to-bank way of sending money to domestic and international locations. Transferring cash is possible via the website or the mobile app, and the money will be in the desired bank accounts within one to five business days. The fees start from $30 but might be waived if funded from an eligible account type.

How to Send Money via Wells Fargo Wires?

Wire transfer via Wells Fargo enables users to send money to domestic and international locations in a straightforward and effortless way. To send a wire, users will need the name and address of their recipient, the name of the recipients' bank, and a valid U.S. mobile number or secure ID device. From there, you might need to have additional information ready, depending on the location you're transferring money to.

For sending a domestic wire, you'll need the routing number (ABA/RTN) for your recipient's bank and the number of their bank account.

In case you don't know the ABA/RTN number or the SWIFT code or have other questions related to one of your accounts, you can ask customer service to help you out and give you the instructions.

Once you're all set, simply sign on to Wells Fargo Online, tab over to Transfer & Pay, and go to the Online Wire Transfers section. Now, make sure to add your recipient, choose the amount you'd like to fund the account with, and add the details we have listed before. Check if all is well and click on the Send button.