Bank of America wire transfers: type of wire transfer ,limits and charges

Last Updated on January 29, 2026 by admin

Bank of America offers wire transfer services to facilitate the secure and efficient movement of funds both domestically and internationally.

As one of the largest financial institutions, it provides a reliable platform for sending transfers to accounts in the U.S. and abroad.

Wire transfers through Bank of America allow customers to send and receive money quickly, typically processing domestic transfers on the same day and international transfers within one to two business days, depending on the destination and time of initiation.

The convenience of online and mobile banking allows customers to send funds without needing to visit a branch, providing a flexible and accessible option for many.

Customers need to provide specific details, including the recipient’s full name, address, bank name, and account number, along with the bank’s SWIFT code for international transfers.

Read: Chase wire transfers: type of wire transfer ,limits and charges

Table of Contents

How To Initiate bank of America Wire Transfer

Initiating a wire transfer with Bank of America is a secure and streamlined process, whether you’re sending money domestically or internationally. Here’s how to get started:

Go to “Pay & Transfer” and select “Wire” or “Wires/ACH”.
Tap “Start a Wire” or “Make Transfer”
1. Choose to add a new recipient or select an existing one.
  - For domestic: Enter recipient’s name, account number, and routing number.
  - For international: Include SWIFT/BIC code, IBAN, and country-specific identifiers (e.g., IFSC for India).
2. Enter the amount, choose the currency, and review fees.
3. Confirm the details and submit the transfer.
4. You may need to enroll in Secured Transfer or use SafePass for added security, especially for transfers over $1,000

Read; How to register for Metro Bank Uk Online Banking and Mobile app & open account

How to Receive a Wire into Your bank of America Account

To receive a wire transfer into your Bank of America (BofA) account, you’ll need to provide the sender with the correct information depending on whether the transfer is domestic or international.

Provide the Sender with:

Your Name (as it appears on your BofA account)
Bank Name: Bank of America, N.A.
Your Account Number
Routing Number (for domestic wires):
026009593
Bank Address (optional but sometimes requested):
Bank of America, N.A.,
222 Broadway, New York, NY 10038

How to Receive an International Wire Transfer Provide the Sender with:

Your Name (as it appears on your account)
Bank Name: Bank of America, N.A.
Your Account Number
Bank of America SWIFT Code:
BOFAUS3N (for USD)
BOFAUS6S (for foreign currency wires)
Bank Address (for international wires):
Bank of America, N.A.,
222 Broadway, New York, NY 10038, USA
Your Full Address (required for compliance)

Read: How to register cash App account: send and receive money

How to send Bank of America wire transfer

Here’s a clear step-by-step guide on how to send a wire transfer with Bank of America, either online or in a branch.

Option 1: Online (Through Online Banking or Mobile App)

You must be enrolled in Online Banking and may need to verify your identity via text, email, or phone call. Step-by-Step (Online or App)

1. Visiting : ttps://www.bankofamerica.com

Or use the Bank of America mobile app
Log in using your Online ID and Passcode

2. Navigate to Transfers

Click or tap “Transfer | Zelle®”
Select “Using their account number at another bank”
Then choose “Wire Transfer”

3. Add a Recipient

You’ll need:

Recipient’s full name
Recipient’s address
Bank name and address
Recipient’s account number
Routing number (for domestic) or SWIFT/BIC code (for international)
Purpose of wire (especially for international)

4. Enter Transfer Details

Select sending account
Enter amount
Choose currency (USD or foreign)
Review all details

5. Verify & Submit

You may be asked for a one-time security code
Review confirmation page carefully
Submit the wire transfer

Option 2: In-Person at a Branch:

Visit a Bank of America branch
Bring:
- Valid government-issued photo ID
- All recipient and bank details
A banker will help you complete and submit the wire

Domestic vs International Wires

Type	Routing Info	Processing Time
Domestic	Routing Number: 026009593	Usually same-day if submitted before cutoff
International	SWIFT Code: BOFAUS3N (USD) or BOFAUS6S (foreign currency)	1–3 business days, depending on country and bank

Bank of America wire transfer limits

Bank of America sets wire transfer limits based on your account type and how you’re sending the money (online vs. in-branch). Here’s a clear breakdown of what you can expect:

Account Type	Transfer Type	Sending Limit (Outbound Wire / Domestic or Int’l)

Consumer

Same Business‑Day Domestic Wire (online)

$1,000 per transaction.

Consumer

International Wire Transfer (outbound, via online)

$1,000 per transaction.

Small Business

Same Business‑Day Domestic Wire

$5,000 per transaction.

Small Business

International Wire Outbound

$5,000 per transaction.

How to Increase BOA wire transfer Limit

To increase your Bank of America wire transfer limit, you’ll need to take a few security-focused steps. Bank of America uses a tiered system that ties transfer limits to your account type and the security features you’ve enabled. Here’s how to unlock higher limits:

1. Enable Additional Security Features

Bank of America offers two key tools that can raise your transfer limits:

SafePass®: A one-time passcode sent to your mobile device for secure transactions.
USB Security Key: A physical device that adds an extra layer of authentication.

You’ll be prompted to register these features during a wire transfer attempt if your transaction exceeds the default limit

2. Upgrade Your Account TypeHigher-tier accounts like:

Bank of America Private Bank
Merrill accounts
Business accounts

…often come with higher default limits and more flexibility

3. Visit a Branch for Large TransfersIf you’re sending a large amount (e.g., over $1,000 for personal accounts), you can:

Schedule an appointment with a banker.
Verify your identity and provide documentation.
Request a temporary or permanent limit increase.

4. Contact Customer ServiceYou can also call Bank of America to:

Ask about your current limit.
Request an increase.
Get help enabling SafePass or other security tools.

Bank of America wire routing number

To receive a wire transfer into your Bank of America account, you’ll need to use their dedicated wire routing number, which is:

Bank of America Wire Routing Number (U.S. Domestic Transfers):026009593

This number is used for all domestic wire transfers sent to Bank of America accounts, regardless of the state where your account was opened

For International Wire TransfersIn addition to the routing number, you’ll need a SWIFT code:

SWIFT/BIC Code (USD transfers): BOFAUS3N
SWIFT/BIC Code (foreign currency transfers): BOFAUS6S

These codes help route international payments correctly through the global banking network.

Bank of America wire transfer Cutoff Times

Bank of America’s wire transfer cutoff times determine whether your transaction will be processed the same business day or pushed to the next. Here’s what you need to know:Ban

Transfer Type	Cutoff Time (Eastern Time)	Processing Notes
Domestic Wires	5:00 p.m. ET	Transfers submitted before this time are same-day
International Wires	5:00 p.m. ET	Same-day processing if submitted before cutoff
ACH Transfers	4:30 p.m. ET	May take 1–2 business days to settle

If you initiate a wire after the cutoff, it will be processed on the next business day

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I’m a content writer with an M.Sc. in Business Administration, combining analytical business knowledge with creative writing. My work focuses on producing content that not only informs but also supports strategic objectives, helping brands connect meaningfully with their audiences

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