Last Updated on June 23, 2025 by admin
Wells Fargo, one of the leading banks in the United States, offers a range of convenient and reliable money transfer services for its customers. Whether you need to move funds between your own accounts or send money to family members living abroad, Wells Fargo has you covered.
Account holders can now transfer money between accounts or between Bank-to-bank from their convenience and comfort zone without visiting the bank branch using Online Wires, you can send money to both personal and business accounts in the U.S. and 200+ countries.
Customers can also Send money to family abroad, Send and receive money with Zelle, Transfer money and Quickly and securely pay their bills or other people, without cash or writing a check.
The bank online and mobile banking is seamless, fast and secure which can be use to Wire money to business and personal accounts around the world right from your computer or mobile phone.
But before you can start the fund transfer and bill payment you have to enroll by following this guideline on how to register for wells Fargo mobile app and online banking.
From online banking platforms to mobile apps, Wells Fargo offers multiple channels through which customers can initiate transfers with ease. With a strong emphasis on safety and efficiency, their services provide peace of mind when it comes to managing your finances.
How to transfer money from Wells Fargo
You’ve got several ways to transfer money from your Wells Fargo account, depending on where it’s going and how fast you need it there:
Between Wells Fargo Accounts
- Sign in to Wells Fargo Online.
- Go to “Transfer & Pay” and select “Transfer Money.”
- Choose the accounts, amount, and date.
- Confirm and submit.
To Other U.S. Banks
- Add your external account by selecting “Add Non-Wells Fargo Accounts.”
- Complete the verification process (may take 1–3 business days).
- Once verified, you can transfer funds between banks.
Using Zelle®
- Open the Wells Fargo Mobile® app or website.
- Select “Send Money with Zelle®.”
- Enter the recipient’s U.S. phone number or email.
- Choose the amount and send—funds usually arrive in minutes.
Wire Transfers
For larger or international transfers:
- Use Wells Fargo Wires via the app or online.
- You’ll need recipient bank details like routing number (domestic) or SWIFT code (international).
- Fees apply, and delivery time varies.
Each method has its perks—Zelle is fast for friends, wires are best for big or global moves, and internal transfers are instant.
To send a domestic wire, you will also need:
- Recipient’s full name and address
- Recipient’s bank name and address
- Recipient’s account number
- Routing number (ABA/RTN) of the recipient’s bank
- Amount to send and the desired processing date
To send an international wire, you will also need:
To send an international wire transfer with Wells Fargo, you’ll need the following information:
- Recipient’s full name and address
- Recipient’s bank name and address
- Recipient’s account number
- SWIFT/BIC code of the recipient’s bank
- IBAN (International Bank Account Number), if the destination country uses it
- Amount and currency you want to send
- A U.S. mobile number or RSA SecurID® device to authorize the transfer
You can initiate the transfer through Wells Fargo Online Wires, and the system will guide you through entering these details. Keep in mind that fees and delivery times vary depending on the destination and currency.
Step by steps to transfer fund with Wells Fargo Wires
1. Sign on to Wells Fargo Online, go to Transfer & Pay, and enroll in Online Wires to get started.
2. Select Wire Money in the Transfer & Pay menu.
3. Add recipient details.
4. select funding account and amount (along with any additional details required for certain countries).
5. Review and send your payment
Please note: To Send the wire (You must have a valid U.S. Mobile number or secure ID device to wire money).
How much can you send via Wells Fargo wire Transfer
Wells Fargo’s wire transfer limits depend on the method you use and your account type:
Online Wire Transfers (Digital Wires)
- Daily limit: Typically up to $5,000 for personal accounts.
- 30-day limit: Around $12,500 for services like ExpressSend.
- You can view your exact limit when initiating a wire in Wells Fargo Online.
In-Branch Wire Transfers
- Higher limits may be available if you visit a branch in person.
- Ideal for large domestic or international transfers.
If you need to send more than your online limit allows, Wells Fargo recommends visiting a branch to request a higher limit or complete the transfer there
Read: Citibank online and mobile banking: How to enroll, transfer money home abroad and bills payment
How to transfer between accounts or between banks via Wells Fargo Online
Customers can easily transfer money between your Wells Fargo checking and savings accounts and accounts you may have at other U.S. financial institutions by Set up wells Fargo transfers online.
1. Sign on to access transfers
2. To get started, select the accounts you would like to transfer money From and To.
3. To transfer money between accounts at Wells Fargo and accounts at another bank, select Add Non-Wells Fargo Accounts.
4. Review the information you have entered, and if correct, click Submit to make a transfer.
How to send money to family abroad via Wells Fargo Online
To send money to family abroad using Wells Fargo Online, you can use their ExpressSend® service or an international wire transfer, depending on the destination and how your recipient wants to receive the funds.
1. Contact Wells Fargo banker or call 1-800-556-0605 today, to learn about the options available, and select the option that best fits your needs.
2. Provide your beneficiary’s information such as name, address, and telephone number of your beneficiary.
3. Send your first transfer either to beneficiary’s bank account or pick up cash
OR
1. Log in to your Wells Fargo online banking account using your username and password.
2. From the main dashboard, locate the “Transfer & Pay” tab and click on it. 3. Select “Transfer Money” from the drop-down menu.
4. Choose the accounts you wish to transfer money between, such as checking or savings accounts.
5. Enter the amount you want to transfer and select the date for processing.
6. Review all details carefully, including any fees associated with the transfer. 7. Click “Submit” to complete the transaction.
How to Send and receive money with Zelle via Wells Fargo Online and the Wells Fargo Mobile app
To send money with Zelle, All you need is enrolled email address or U.S. mobile phone number and enrollment with Zelle® through Wells Fargo Online
Enrolling your eligible U.S.-based checking or savings account is quick and convenient. You can do it right in Wells Fargo Online or the Wells Fargo Mobile app by following the steps below.
1. Sign on and select Transfer & Pay.
2. Go to Send Money with Zelle and view the Welcome note.
3. Read and accept the Zelle Transfer Service Addendum.
4. Enroll an email address or U.S. mobile number, and select the account where you want money to be deposited.
How to add contact to Zelle
You can Easily add your payment contacts using Wells Fargo Online or the Wells Fargo Mobile app.
1. Sign on and select Transfer & Pay.
2. From the Zelle screen, select the address book icon, and select the ” + ” icon to add a recipient.
3. From the Add Recipient screen, enter your recipient’s email address or U.S. mobile number. Then enter their first and last name.
4. Select Save and your contact will be added to your Zelle recipient list.
How to send money with Zelle
Sending money is fast and convenient. It’s already part of your Wells Fargo Mobile app.
1. Sign on and select Transfer & Pay.
2. Go to Send Money with Zelle.
3. Select a recipient from your list or add a new recipient. Then choose a From Account, and enter the amount.
4. Select Review and confirm that the email address or trusted U.S mobile number and name are correct.
Select Send.
Receive money from Zelle
To receive money, you’ll need to enroll your own email address or U.S. mobile number and choose an eligible Wells Fargo savings or checking account where you want the money deposited.
1. Sign on and select Transfer & Pay.
2. From the Zelle screen, select Receive Settings or Settings.
3.From the Settings screen, choose the U.S.-based account where you want money to be deposited, then select Register beside the email address or U.S. mobile number you want to use, or both.
4.Let the sender know you accept payment with Zelle. They’ll need your U.S. mobile phone number or email address to send.
How to start bill pay with Wells Fargo online and mobile banking
To use Bill Pay, you must have an eligible Wells Fargo checking account. You can pay your bills from either your checking account or other eligible accounts.
Start with Bill Pay
1. Set up payees. Your Wells Fargo Credit Cards and loans are already there!
2.Schedule your payments, amounts to pay, and when to pay them.
3.Set up auto pay, and we’ll take care of the bill.
4.You set the rules on timing and amount, and we follow them.
5.We send your payments as you tell the bank, and confirm with an email.
You can access Bill Pay for the first time, from either your desktop or mobile device, if you have a Wells Fargo checking account and are enrolled in Wells Fargo Online. If you don’t have a Wells Fargo Online username and password, enroll now to get started. Then, just sign on to Wells Fargo Online to access Bill Pay.
