PNC wire transfer: type of wire transfer & limits routing number and charges

Last Updated on September 16, 2025 by admin

Wire transfers are a widely-used method of electronically transferring money from one financial institution to another.

They are particularly favored for their speed, reliability, and the ability to move large sums of money both domestically and internationally.

When you initiate a wire transfer with a bank like PNC, you’re sending a secure and immediate payment that allows funds to be available often within the same day for domestic transfers and a few days for international ones.

The process involves a few key components, including the account information of both the sender and receiver, such as bank names, account numbers, and routing numbers.

For international transfers, SWIFT codes are required to ensure accuracy in cross-border transactions. Wire transfers are considered a safe method of transferring funds because they require authorization from the account holder, ensuring that only approved transactions are processed.

Read: US Bank wire transfer: type of wire transfer & limits routing number and charges

Table of Contents

How to send PNC Wire transfer

To send a wire transfer through PNC Bank, here’s a general step-by-step guide you can follow. Keep in mind the process might vary slightly depending on whether you do it online, in person, or by phone.

Steps to Send a Wire Transfer via PNC:

You can initiate a wire transfer through:

PNC Online Banking
PNC Mobile App
In-person at a PNC branch

Prepare Information

Before you start, have the following info ready:

For Domestic Wire Transfers:

Recipient’s full name and address
Recipient’s bank name
Routing number (ABA)
Account number
Amount and transfer date

For International Wire Transfers:

Recipient’s name and address
Recipient’s bank name and address
SWIFT/BIC code
IBAN or account number
Currency and purpose of transfer
Always verify the recipient’s details to avoid delays or misrouting.

3. Initiate the Transfer

In Online Banking:

Log in to your account
Go to Transfer Funds
Select Send a Wire or International Transfer

In the Mobile App:

Tap Transfer
Choose Send a Domestic Wire or Send an International Transfer

At a Branch:

Fill out a wire transfer form with a banker
Bring valid ID and any supporting documents

4.Add Recipient (if not already saved)

You may need to add the recipient as a payee for wire transfers.
Enter all the recipient details (as above).
Some banks may require verification or a waiting period for new payees for security reasons.

5. Enter Wire Transfer Details

Specify the amount to send.
Choose the account from which funds will be withdrawn.
Confirm all recipient info.

6. Review Fees & Terms

PNC typically charges a fee for outgoing wire transfers (usually around $25 for domestic, more for international).
Review all fees and terms.

7. Confirm and Submit

Double-check all information for accuracy.
Submit the wire transfer request.
You may be asked to enter a security code or use multi-factor authentication.

8. Save Confirmation

After submission, save or print the confirmation number/receipt for your records.

Alternative: Send Wire at a Branch or by Phone

If you prefer, you can also:

Visit a local PNC branch with a valid ID and the recipient info.
If you prefer, you can also call the bank Wire Transfer Customer Care center 1-800-272-6868 Monday through Friday, 8:30 A.M. – 4 P.M. EST to request a domestic wire transfer.
They will guide you through the process or process it on your behalf.

Read: Citibank wire transfer: type of wire transfer & limits rountig number and charges

How To Receive a Wire Transfer With PNC

To receive a wire transfer with PNC Bank, you’ll need to provide the sender with accurate banking details and understand the process for both domestic and international transfers. Here’s a step-by-step guide:

For Domestic Wire Transfers:

Your full name (as it appears on your account)
Your PNC Bank account number
Your PNC Bank routing number which is 043000096
Bank name: PNC Bank, N.A.
Bank address: PNC Bank, 249 Fifth Avenue, Pittsburgh, PA 15222

For International Wire Transfers:

Your full name and address
Your PNC Bank account number
PNC’s SWIFT code, which is PNCCUS33
Bank name and address (same as above)
Purpose of transfer (some countries require this)

2. Wait for Processing

Domestic wires: Usually arrive same business day if sent before the cutoff time
International wires: Typically take 1–5 business days, depending on the sending bank and country

3. Fees

Incoming domestic wire: ~$15–$20
Incoming international wire: ~$15 (Additional fees may apply if intermediary banks are involved)

Read: capital one wire transfer: type of wire transfer & limits rountig number and charges

PNC Wire Transfer Fees

Here’s a clear breakdown of PNC Bank’s wire transfer fees, so you know what to expect whether you’re sending or receiving funds:

PNC Wire Transfer Fees

Transfer Type	Fee (Approximate)
Domestic Incoming	$15–$20
Domestic Outgoing	$30
International Incoming	$15
International Outgoing	$45+

International transfers must be initiated in person at a PNC branch, and may include exchange rate markups or intermediary bank fees

Cutoff Times for PNC wire transfer

Here’s what you need to know about PNC Bank wire transfer cutoff times to ensure your transaction is processed on time:

Domestic Wire Transfers

Cutoff time: Typically 5:00 PM Eastern Time (ET) on business days
Transfers initiated before 5:00 PM ET are usually processed same day
After the cutoff, transfers are processed next business day

International Wire Transfers

Cutoff time: Generally 4:00 PM ET
Due to time zone differences and intermediary banks, international wires may take 1–5 business days

These times can vary slightly depending on your account type and whether you’re initiating the transfer online or in-branch. Always confirm with your local PNC branch or online banking portal for the most accurate timing

Read: Wells Fargo Wire Transfers: type of wire transfer & limits and charges

PNC wire transfer limits

PNC Bank does not publicly disclose fixed wire transfer limits, as they vary based on your account type, transfer method, and banking history

Here’s how it generally works:

Domestic Wire Transfers

Online or Mobile Banking: Limits are set per account and shown during the transfer process
In-Branch Transfers: Higher limits may be allowed, especially for verified business or premium accounts

International Wire Transfers

Must be initiated in person at a PNC branch
Limits depend on:
- Destination country
- Currency
- Account type
- Transfer purpose

For transfers to Latin America, PNC offers a separate International Money Transfer service with lower fees and specific country limits

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

PNC wire routing number

To receive a wire transfer with PNC Bank, you’ll need to use their dedicated wire routing number, which is: PNC Wire Routing Number: 043000096

This number is specifically used for incoming wire transfers, and it’s different from the routing number printed on your checks or used for ACH transactions, which can vary by region.

What to Provide to the SenderTo ensure the wire arrives correctly, share:

Your full name (as it appears on your account)
Your PNC account number
PNC Bank’s wire routing number: 043000096
Bank name: PNC Bank, N.A.
Bank address: 249 Fifth Avenue, Pittsburgh, PA 15222
For international wires: SWIFT code: PNCCUS33

Type of PNC wire transfer

PNC Bank offers three main types of wire transfers, each designed for different destinations and needs:

1. Domestic Wire Transfer

Purpose: Send money within the United States
Method: Online banking, mobile app, or in-branch
Details Needed:
- Recipient’s name and address
- Bank name
- Routing number (ABA)
- Account number
Processing Time: Typically same business day if sent before cutoff

International Wire Transfer

Purpose: Send money to banks outside the U.S.
Method: Must be initiated in person at a PNC branch
Details Needed:
- Recipient’s name and address
- Bank name and address
- SWIFT/BIC code
- IBAN or account number
- Currency and purpose of transfer
Processing Time: Usually 1–5 business days

International Money Transfer (Latin America)

Purpose: Send funds to family or friends in select Latin American countries
Method: Via PNC Mobile App or in-branch
Partners: Includes BBVA, Bancolombia, Elektra, Banural, and others
Benefits: Competitive exchange rates and lower fees than traditional wires

Each option has its own fee structure and processing time. If you’re sending money internationally, it’s worth comparing PNC’s services to platforms like Wise or Revolut, which often offer better exchange rates and lower fees

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Meet Ogbeide Frank, also known as Perere, a blogger passionate about writing on finance and tech. He studied Business Administration from Ambrose Alli University in Ekpoma and Mobile Communication at Orange College in Malaysia. Frank has experience working as a banker and consultant for various agencies in Nigeria.