Bank of America Routing Numbers for International Transfers
Bank of America uses a universal routing number for both domestic and international wire transfers: 026009593. However, international transfers also require specific SWIFT codes depending on the currency being received.
Bank of America SWIFT Codes for International Transfers
Bank of America uses different SWIFT codes depending on the currency of your incoming international transfer:
For USD (US Dollar) Transfers
- SWIFT Code: BOFAUS3N
- Bank Name: Bank of America N.A.
- Bank Address: 222 Broadway, New York, NY 10038
- Routing Number: 026009593
For Foreign Currency Transfers
- SWIFT Code: BOFAUS6S
- Bank Name: Bank of America N.A.
- Bank Address: 555 California Street, San Francisco, CA 94104
- Routing Number: 026009593
How to Receive International Wire Transfers at Bank of America
To receive an international wire transfer at Bank of America, provide the sender with the following information:
- Recipient Name: Your full legal name as it appears on your Bank of America account
- Recipient Address: Your complete address
- Bank Name: Bank of America N.A.
- Bank Address: Use the address corresponding to the currency (see above)
- SWIFT Code: BOFAUS3N (USD) or BOFAUS6S (foreign currency)
- Routing Number: 026009593
- Account Number: Your complete Bank of America account number
Bank of America International Wire Transfer Fees
Bank of America charges competitive fees for international wire transfer services:
Incoming International Wire Transfer Fees
- Standard Fee: $16 per incoming wire transfer
- Processing Time: Same business day for transfers received before cutoff
- Final Credit: 1-2 business days depending on currency
Outgoing International Wire Transfer Fees
- Online Banking: $45 per transfer
- Mobile Banking: $45 per transfer
- Branch or Phone: $50 per transfer
- Business Accounts: Fees may vary based on account type
Bank of America International Transfer Processing Times
Bank of America's international wire transfer processing times are among the fastest in the industry:
Processing Schedule
- Same-day processing: Transfers submitted by 5:00 PM ET
- Domestic transfers: Same business day
- International transfers: 1-2 business days
- Weekend transfers: Processed on next business day
Factors Affecting Processing Time
- Destination country banking regulations
- Currency exchange requirements
- Intermediary bank processing
- Compliance and security verification
- Completeness of transfer information
Step-by-Step Guide: Sending International Wire Transfers
Using Bank of America Online Banking
- Log into your Bank of America online banking account
- Navigate to "Transfers" → "Wire Money"
- Select "Send International Wire Transfer"
- Choose your funding account
- Enter recipient information including bank details and SWIFT code
- Specify transfer amount and currency
- Review all information carefully
- Submit the wire transfer request
- Save confirmation number for tracking
Using Bank of America Mobile App
- Open the Bank of America Mobile Banking app
- Select "Transfer" from the main menu
- Choose "Wire Money" → "International Wire"
- Follow the guided prompts to enter all required information
- Review and confirm your transfer details
- Submit and receive confirmation
Required Information for International Wire Transfers
When sending an international wire transfer from Bank of America, gather this information:
Recipient Information
- Full legal name (as it appears on their bank account)
- Complete address including postal code
- Phone number (optional but recommended)
Recipient Bank Information
- Bank name and full address
- SWIFT/BIC code
- Account number or IBAN
- Bank phone number (if available)
Transfer Details
- Transfer amount
- Currency (USD or foreign currency)
- Purpose of transfer
- Special instructions (if any)
Bank of America Wire Transfer Limits
Bank of America sets daily limits on wire transfers for security and regulatory compliance:
Consumer Account Limits
- Online/Mobile transfers: $1,000 per day (default, can be increased)
- Branch transfers: $2,500 per day (can be increased)
- Maximum increase: Up to $10,000 per day with approval
Business Account Limits
- Small Business: Customizable limits based on business needs
- Commercial accounts: Higher limits available
- Global treasury: Institutional-level limits
How to Increase Wire Transfer Limits
- Call Bank of America customer service at 1-800-432-1000
- Visit your local Bank of America branch
- Complete additional verification if required
- Wait for approval (typically 24-48 hours)
Security Features and Fraud Prevention
Bank of America employs advanced security measures to protect international wire transfers:
Security Technologies
- Multi-factor authentication for online transfers
- Real-time fraud monitoring and detection
- Encrypted data transmission
- Secure token-based authentication
- Transaction confirmation notifications
Fraud Prevention Tips
- Always verify recipient information through independent channels
- Be suspicious of urgent or pressure-filled transfer requests
- Never wire money to someone you've never met in person
- Double-check all account numbers and SWIFT codes
- Keep records of all wire transfer confirmations
- Report suspicious activity immediately
Common Issues and Troubleshooting
Transfer Delays
Common reasons for wire transfer delays include:
- Incorrect or incomplete recipient bank information
- Missing recipient details
- Regulatory compliance holds
- Intermediary bank processing delays
- Currency conversion requirements
- Time zone differences
Failed Wire Transfers
Wire transfers may fail due to:
- Invalid SWIFT code or routing number
- Closed or frozen recipient account
- Insufficient funds in sender account
- Regulatory restrictions or sanctions
- Incorrect currency specifications
Bank of America vs. Alternative Transfer Methods
While Bank of America offers reliable wire transfer services, compare with these alternatives:
Traditional Wire Transfers vs. Online Services
| Provider | Fees | Exchange Rate | Processing Time |
|---|---|---|---|
| Bank of America | $45-50 | Bank rate + margin | 1-2 days |
| Wise | $5-15 | Mid-market rate | 1-4 days |
| Remitly | $4-25 | Competitive rate | Minutes to days |
| Western Union | $15-50 | Variable rate | Minutes to days |
Special Services and Features
Global Wire Services
Bank of America offers enhanced wire transfer services for high-volume users:
- Global treasury management: For businesses with international operations
- Foreign exchange services: Competitive rates for currency conversion
- Trade finance solutions: Letters of credit and trade documentation
- Correspondent banking: Direct relationships with international banks
Digital Banking Integration
- Integration with accounting software
- API access for businesses
- Automated recurring transfers
- Real-time transfer tracking
Regulatory Compliance and Reporting
Bank of America complies with all international banking regulations:
Regulatory Requirements
- Anti-Money Laundering (AML): All transfers are monitored for suspicious activity
- Know Your Customer (KYC): Customer verification for large transfers
- OFAC Compliance: Screening against sanctions lists
- BSA Reporting: Large transactions are reported to authorities
Documentation Requirements
- Transfers over $10,000 require additional documentation
- Business transfers may require commercial invoices
- Some countries require specific purpose codes
- Keep all transfer records for tax and audit purposes
Conclusion
Bank of America's routing number 026009593 and SWIFT codes BOFAUS3N/BOFAUS6S provide reliable access to international wire transfer services across 200+ countries. While their fees are competitive within the traditional banking sector, always compare costs with online money transfer services to ensure the best value for your specific transfer needs.
For the most current information on fees, limits, and processing times, contact Bank of America customer service or visit your local branch.