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Bank wires

Wire Transfer Fees

What US banks really charge to send and receive a wire, and the exchange-rate markup that costs far more than the fee. Pick your bank, or calculate the true all-in cost.

Fees checked October 2026, against each bank’s own schedule
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Wire fees by bank

Chase Wire Fees$25 / $40 / $15Chase Wire FeesDomestic, international (USD) and incoming, plus the $5 foreign-currency wire (free from $5,000) and the Sapphire and Private Client waivers.See the feesBank of America Wire Fees$30 / $45 / $15Bank of America Wire FeesThe priciest international wire of the three, with BofA Rewards waivers and no fee for foreign-currency sends.See the feesWells Fargo Wire Fees$30 / $30 / $0Wells Fargo Wire FeesThe same $30 digital wire for domestic or international USD; $40 in a branch; no fee to receive for consumers.See the fees
Wire Transfer Fee CalculatorThe true all-in cost of any bank wire: fee, FX markup and intermediary fees.ACH vs Wire TransferWhen a free ACH beats a wire: speed, cost and safety compared.
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US bank wire fees compared

The flat fees are similar across the big banks; it’s the international exchange-rate markup that separates a cheap transfer from an expensive one. Here are the headline 2026 fees:

Bank
Domestic out
International out (USD)
Incoming
Chase
$25
$40
$15
Bank of America
$30
$45
$15
Wells Fargo
$30
$30
$0

Online prices; a wire with a banker or in a branch can cost more. Across the 11 banks in our table, an international wire in US dollars costs $30 to $75 (nothing at Fidelity). Bank of America and Wells Fargo charge no fee to send in foreign currency, and Chase $5 (free from $5,000): there, the rate markup becomes the real cost.

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The cost the fee table hides

On an international wire, the flat fee is the small part. The bank also converts your dollars at a rate below the real mid-market rate. Measured on October 7, 2026, the rates at Chase and Wells Fargo ran 2.9% to 4% below the real mid-market rate across the 10 currencies we could check, as Wise’s public comparison of bank rates showed it: $146 to $202 on a $5,000 wire. Other banks don’t publish theirs. A correspondent bank typically takes about $20 in transit too: costs that never appear on the fee schedule. That’s our specialty: see what a transfer really costs with the wire transfer calculator, the exchange-rate markup calculator, and the specialist alternatives with the Wise and OFX calculators.

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Frequently Asked Questions

How much is a typical US bank wire fee?

Across the 11 banks in our table, an outgoing domestic wire costs $25 to $30 (nothing at Fidelity) and an international one in US dollars $30 to $75 (nothing at Fidelity) (each bank’s published fee for a standard personal account, checked June to October 2026), and receiving one costs $15 to $25 (nothing at Wells Fargo, Alliant Credit Union and Fidelity). Of Chase, Bank of America and Wells Fargo, Wells Fargo charges the least for an international wire in US dollars and Bank of America the most. But for international transfers, the flat fee is rarely the biggest cost.

What is the hidden cost of an international wire?

The exchange-rate markup. When a bank converts your dollars it uses a rate worse than the real mid-market rate, taken silently inside the rate rather than shown as a fee. Measured on October 7, 2026, the rates at Chase and Wells Fargo ran 2.9% to 4% below the real mid-market rate across the 10 currencies we could check, as Wise’s public comparison of bank rates showed it: $146 to $202 on a $5,000 wire. Other banks don’t publish theirs. A correspondent bank typically takes about $20 in transit as well. On a $5,000 wire those hidden costs usually exceed the flat fee several times over.

What is the cheapest way to send money internationally?

Price the same transfer with a specialist like Wise or OFX before you send a bank wire. Wise converts at the mid-market rate and charges a visible fee, OFX builds its margin into the exchange rate, and neither has intermediary bank fees deducted on the way, so compare the amount that arrives with each. A bank wire makes sense mainly when the recipient’s bank requires one or you need guaranteed same-day settlement.