Bank of America wire transfer: transfer time, fees, and limits

If you’re a Bank of America account holder, you may be seeking easy ways to send wire payments domestically or internationally. Take a look at this guide to learn about transfer time, fees, limits and more!

Bank of America domestic wire transfer fees

You have the option to make a domestic wire transfer online, via mobile banking service or by personally visiting your preferred branch. If you prefer the latter, make sure to set an appointment with a specialist.


For domestic wire transfers, provide the following information:

  • Recipient’s name and contact details.
  • Recipient’s bank account details and transit number.
  • Wire routing number (also called the ABA code).
  • Details of the payment amount and the desired processing date.
Type of wire transferFee
Incoming Domestic WireMay vary by account type
Outgoing Domestic WireUS$30

Create an account with Instarem for cheaper and faster wire transfers

Bank of America international wire transfer fees

For international wire transfers with Bank of America, you’ll need to following information:

  • Name and address of the recipient in the foreign country.
  • Recipient’s overseas bank account number.
  • Recipient bank ID, like a SWIFT code, BIC or national ID.
  • Foreign currency of the recipient’s bank account for currency exchange.
  • Purpose of the wire transfer.
Type of wire transferFee
Incoming Domestic WireMay vary by account type
Outgoing Domestic Wire

• $0 (if sent in foreign currency)

• US$45 (if sent in USD)

Bank of America wire transfer limit

Bank of America has wire transfer limits on outgoing wire transfers through its online banking system, particulary:

Type of transferLimit
Daily Minimum LimitN/A
Daily Maximum LimitUS$1,000
Bank of America cutoff times

Keep in mind that BOA imposes a strict cut-off time for both domestic and international wire transfers. Make wire transfers before this designated time to ensure timely processing!

Type of wire transferCut-Off time
Domestic Wire Transfer5:00 PM Eastern Time, Business Days
International Wire Transfer5:00 PM Eastern Time, Business Days

Bank of America Wire Transfer FAQ



The information provided in this guide is intended for general informational purposes only. While every effort has been made to ensure the accuracy of the information, banking policies and fees may be subject to change. Users are strongly advised to verify specific details and consult with their banks should they have any questions or concerns.

Instarem assumes no responsibility for any errors or omissions in this guide, or for any actions taken based on the information provided herein.

More currency pairings for USD

If you cannot find the currency you would like to send to, it means we currently do not support transfers to that currency.

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