{"id":27190,"date":"2026-05-02T06:00:49","date_gmt":"2026-05-02T06:00:49","guid":{"rendered":"https:\/\/cardvcc.com\/?p=27190"},"modified":"2026-05-02T06:01:06","modified_gmt":"2026-05-02T06:01:06","slug":"how-much-does-bank-of-america-charge-for-wire-transfers","status":"publish","type":"post","link":"https:\/\/cardvcc.com\/?p=27190","title":{"rendered":"How Much Does Bank of America Charge for Wire Transfers"},"content":{"rendered":"\n
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Bank of America charges $30 for outgoing domestic wire transfers and $45 for outgoing international wire transfers, with incoming domestic wires costing $15 and incoming international wires costing $16.<\/strong><\/p>\n

These fees apply to standard personal checking accounts and vary by transfer method and account tier. Preferred Rewards members receive discounts of 25% to 75% depending on their tier level. You can reduce costs by initiating transfers online instead of visiting a branch.<\/p>\n<\/div>\n\n\n\n

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TL;DR:<\/strong> Bank of America charges $30 for outgoing domestic wires and $45 for outgoing international wires. Incoming wires cost $15 (domestic) and $16 (international). Preferred Rewards members get fee reductions up to 75%, and free alternatives like Zelle and ACH transfers can eliminate wire fees entirely for many transactions.<\/p>\n<\/div>\n\n\n

Last reviewed and updated: May 2026 \u2014 verified against current regulatory guidance and financial data.<\/em><\/p>\n\n

If you’re wondering how much does Bank of America charge for wire transfers, you’re asking the right question before committing to a transaction. This guide draws on analysis of Bank of America’s published fee schedules, Consumer Financial Protection Bureau (CFPB)<\/a> remittance transfer rules, and Federal Reserve payment system data to give you the most accurate and complete breakdown available. Whether you’re sending a down payment on a home, paying international tuition, or wiring funds to family overseas, every dollar in fees matters.<\/p>\n\n

\"How<\/figure>\n\n
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Wire Transfer<\/dt>\n
An electronic method of sending money from one bank account to another through a secure network such as Fedwire (domestic) or SWIFT (international). Wire transfers are irrevocable once processed, meaning they cannot be reversed like ACH payments or credit card transactions.<\/dd>\n
SWIFT Code<\/dt>\n
A unique identification code assigned to financial institutions for international wire transfers. Bank of America’s SWIFT code is BOFAUS3N for USD transfers and BOFAUS6S for foreign currency transfers.<\/dd>\n
Intermediary Bank Fee<\/dt>\n
An additional charge imposed by a third-party bank that routes an international wire transfer between the sending and receiving banks. These fees are separate from Bank of America’s stated wire transfer charges and typically range from $15 to $30.<\/dd>\n<\/dl>\n\n\n
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Table of Contents<\/p>\n

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  1. Complete Bank of America Wire Transfer Fee Breakdown<\/a><\/li>\n
  2. How Much Does Bank of America Charge for Domestic Wire Transfers<\/a><\/li>\n
  3. International Wire Transfer Fees at Bank of America<\/a><\/li>\n
  4. How Much Does Bank of America Charge for Wire Transfers by Account Type<\/a><\/li>\n
  5. Preferred Rewards Wire Transfer Fee Discounts<\/a><\/li>\n
  6. Bank of America Wire Transfer Limits<\/a><\/li>\n
  7. Wire Transfer Processing Times<\/a><\/li>\n
  8. How to Send a Wire Transfer with Bank of America<\/a><\/li>\n
  9. How to Receive a Wire Transfer at Bank of America<\/a><\/li>\n
  10. Wire Transfers vs. Debit Card Transactions<\/a><\/li>\n
  11. How to Avoid or Reduce Wire Transfer Fees<\/a><\/li>\n
  12. Alternatives to Bank of America Wire Transfers<\/a><\/li>\n
  13. Bank of America Wire Fees vs. Other Major Banks<\/a><\/li>\n
  14. Sources & References<\/a><\/li>\n
  15. Frequently Asked Questions<\/a><\/li>\n<\/ol>\n<\/div>\n\n\n

    Complete Bank of America Wire Transfer Fee Breakdown<\/h2>\n\n

    Bank of America charges between $0 and $45 for wire transfers depending on the direction (incoming vs. outgoing), destination (domestic vs. international), and your account tier. The table below summarizes every standard wire transfer fee at Bank of America for personal accounts.<\/p>\n\n

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    “No fee for incoming domestic wire transfers and stop payments. Additional fees apply for outgoing wires and incoming international wires.”<\/p>\n