In the Mobile app:¹

Sending a transfer

To send a wire transfer, first you’ll need to add the recipient. If they’re already added, skip to the “Make a transfer” instructions. For ACH, please proceed to Online Banking instructions.

Note: You must be enrolled in Secured Transfer. If you aren’t enrolled, have your debit card & PIN ready.

Add a new wire transfer recipient

1. Log in to the Mobile app, select Pay & Transfer > Wire > Start a wire.
2. Tap Add new recipient and select recipient’s country. Follow on-screen prompts.
   • For Domestic, provide recipient and account details.
   • For International, provide recipient details such as: country, currency, bank identifier (e.g., SWIFT code) and account identifier (e.g., account number, IBAN, CLABE).
3. Tap Add then read and acknowledge the Beware of possible scam message — you’ll receive confirmation.
    

Make a wire transfer

1. Log in to the Mobile app, go to Pay & Transfer > Wire > Start a wire.
2. Select recipient, account and amount. An international wire will require Purpose of payment.
   Note: Use Instructions for recipient bank to provide other requested details (e.g. invoice number, loan number, etc.). We may need additional verification to authorize payment amount.
3. Scroll to review wire details, confirm and tap Send — you’ll receive confirmation.
    

Receiving a transfer

To receive a transfer, you’ll need to provide the sender with your information, including the:

• Account holder name on the receiving account
• Account number receiving the funds
• Routing number
  • For domestic, to find your routing number, log in, select your account and then select Account & routing numbers at the top of the page.
  • For international, provide the Bank of America SWIFT/BIC code:
    • Wire received in U.S. dollars (or if you’re not sure) – SWIFT code: BOFAUS3N, Bank of America, N.A., 222 Broadway, New York, NY 10038
    • Wire received in foreign currency – SWIFT code: BOFAUS6S, Bank of America, N.A., 555 California St., San Francisco, CA 94104

An incoming wire received by the business day cutoff of 5 p.m. Eastern will post to the client's account the same business day. If received after 5 p.m., the wire will post on the next business day.

In Online Banking:

Sending a transfer

To send a transfer, first you’ll need to add the recipient. If they’re already added, skip to the “Make a transfer” instructions.

Note: You must be enrolled in Secured Transfer or have a registered USB Security Key to submit a transfer. If you’re not already enrolled in Secured Transfer, please have your debit card & PIN ready. 

Add a new recipient

1. Log in to Online Banking, select Pay & Transfer > Wire/ACH (U.S. or international) > Add account/recipient.
2. Select either Domestic or International.
   • For Domestic, select the account type then provide recipient account details.
   • For International, provide recipient details such as: country, currency, bank identifier (e.g., SWIFT code,) and account identifier (e.g. account number, IBAN, CLABE).
3. Verify your identity, then select Add Account — you’ll receive confirmation.
    

Make a transfer

1. Log in to Online Banking, select Pay & Transfer then Wire/ACH.
2. From the Make Transfer tab, complete the From and To account fields.
3. Complete required fields and select Continue Transfer. We may need additional verification to authorize payment amount.
   Note: Use Description for recipient bank to provide other requested details (e.g. invoice number, loan number, brokerage account details, etc.).
    

Receiving a transfer

To receive a transfer, you’ll need to provide the sender with your information, including the:

• Account holder name on the receiving account
• Account number receiving the funds
• Routing number
  • For domestic, to find your routing number, log in, select your account and then select Account & routing numbers at the top of the page.
  • For international, provide the Bank of America SWIFT/BIC code:
    • Wire received in U.S. dollars (or if you’re not sure) – SWIFT code: BOFAUS3N, Bank of America, N.A., 222 Broadway, New York, NY 10038
    • Wire received in foreign currency – SWIFT code: BOFAUS6S, Bank of America, N.A., 555 California St., San Francisco, CA 94104

An incoming wire received by the business day cutoff of 5 p.m. Eastern will post to the client's account the same business day. If received after 5 p.m., the wire will post on the next business day.

Learn more about what you can do in Mobile and Online Banking