wire transfers

Send or receive large amounts domestically and internationally.

Are you sending or receiving a wire?

Here are a few things you should know about wire transfers that will help you or your sender avoid delayed or returned wires and unnecessary fees.

Sending a domestic wire

• Fee: $20

What you need to send a domestic wire

We recommend that you personally verify your recipient's information before sending a wire.

• Amount you want to send
• Recipient's bank transit routing number (Opens popover)
• Bank name
• Recipient's bank account number (Opens popover)
• Full name of the recipient, which is the person or business receiving the funds
• Recipient's address or ZIP code
• Additional wire instructions like file number, account number and address

Download Instructions (Opens a New Window)

Sending an international wire

To send an international wire transfer, call us at 210-531-USAA (8722) that's 210-531-8722 . Outgoing international wire requests received Monday through Friday by 3:30 p.m. CT are generally processed on the same day but can take up to 15 days for the recipient to receive the funds. Our international wire offices are closed on weekends and federal holidays.

What you need to send an international wire

We recommend that you personally verify your recipient's information before sending a wire.

• Amount you want to send in U.S. dollars or foreign currency
• Purpose of the payment
• Recipient's bank SWIFT (Opens popover) code or other bank code (Opens popover)
• Name of the recipient's international bank
• Address of international bank
• Recipient's bank account number (Opens popover)
• Full name of the recipient, which is the person or business receiving the funds
• Recipient's physical address

Download Instructions (Opens a New Window)

Receiving a domestic wire

If a wire is received after the cutoff time or on a weekend or holiday, it's generally processed the next business day.

• Fee: USAA does not charge an incoming wire fee, but fees can be assessed by any bank involved in your wire.

To a USAA checking or savings Account

• Bank name: USAA Federal Savings Bank
• Transit routing number (Opens popover) : 314074269
• Address: 10750 McDermott Freeway, San Antonio, TX 78288
• USAA checking or savings account number (Opens popover)
• Full name of the recipient (person or business receiving the funds)
• Account holder's name
• Account holder's physical address

Download Instructions (Opens a New Window)

To a USAA consumer loan account

Download Instructions (Opens a New Window)

To a USAA home equity line of credit account

Download Instructions (Opens a New Window)

Receiving an international wire

• Fee: USAA does not charge an income wire fee, but fees can be assessed by any bank involved in your wire.

To a USAA checking or savings account

Download Instructions (Opens a New Window)

To a USAA consumer loan account

Download Instructions (Opens a New Window)

To a USAA home equity line of credit account

Download Instructions (Opens a New Window)

This is sometimes referred to as the "ABA number" or "Routing Transit Number." This number is an electronic transaction identifier assigned to a financial institution.

The bank account number is usually 10 digits long and identifies a specific account.

The SWIFT code is an 8- or 11- character code that helps identify a financial institution. When sending an international wire transfer, you'll most likely need the SWIFT code for the recipient's bank.

• BIC (Bank Identifier Codes)
• IBAN (International Bank Account Number)
• CLABE(Clave Bancaria Estandarizada) numbers, which identify bank accounts in Mexico

Looking for other transfer options?

See all of the easy and secure ways you can move your money.

Wire transfers FAQ Frequently Asked Questions

It's a way of moving money from one person or financial institution to another. It's generally used for large transactions, like a home purchase, or for transfers outside the U.S.

Wire transfers provide a secure method to transfer funds between banks by using encryption and identity verification of both the sender and recipient.

While the process is secure, if someone you don't know asks you to send or receive a wire transfer, we recommend that you decline such a request. If you accept the request, you may become an unknowing participant in illegal money laundering, or you may become the victim of fraud. Here are some tips to help keep you and your accounts safe:

• Call us at 210-531-USAA (8722) that's 210-531-8722 or 800-531-USAA (8722) that's 800-531-8722 if you have questions or concerns about wire transfer activity.
• Ignore unsolicited email job offers or opportunities, especially if the company is overseas.
• Never give your bank account details to someone you don't know.
• Be on the alert for lottery or inheritance scams.
• Verify the instructions with the recipient before sending the transfer.

Domestic wire transfer requests can only be canceled if we receive your request before we send the money. If the money has already been sent, we can attempt to recall a wire but can't guarantee that the request will be honored by the recipient's bank.

An international wire transfer can be canceled up to 30 minutes after you authorize it. To cancel, call us at 210-531-USAA (8722) that's 210-531-8722 or 800-531-USAA (8722) that's 800-531-8722 .

• Domestic Wire: Your wire may be returned if inaccurate wire instructions were provided. When this occurs, you'll see the funds credited back to your account online minus the fees charged by USAA or another financial institution.
• International Wire: If you provide inaccurate wire instructions, your wire may be delayed or returned minus any fees charged by USAA, or another financial institution, and could result in foreign currency reconversion.

No, USAA does not offer recurring wires. However, recipients can be saved to make future wires easier to send.

Track outgoing and incoming transfer activity and view pending, completed and canceled transfers using the Wire Transfer Activity page.

Processing time for domestic wire transfers varies from bank to bank, but they generally take 1 to 2 days. International wire transfers can take up to 15 calendar days but may be received sooner.

If your outgoing wire transfer isn't received in that time frame, 210-531-USAA (8722) that's 210-531-8722 or 800-531-USAA (8722) that's 800-531-8722 and ask to open a wire investigation.

Unfortunately, we're unable to research incoming wire transfers. However, the person or financial institution that sent the wire should be able to track it.

How much do domestic and foreign banks charge to receive a wire transfer you send from your USAA account?

Additional fees can vary based on the receiving financial institution. It's best to contact them to see if there are additional fees expected.

Need help with a wire transfer?

Our representatives are available to assist you by phone Monday through Friday until 4 p.m. CT.