UnknownCharges

Banking Fee & Account Adjustment

What does WIRE TRANSFER FEE mean on a bank statement?

WIRE TRANSFER FEE

· Evidence review pending · Content revised

08/05 WIRE FEE $45.20

Illustrative entry. The example date and amount do not establish your bank’s format or a real transaction.

Plain-English Definition

Registry label for WIRE TRANSFER FEE: Wire Transfer Fee (Outgoing). Unreviewed registry note: A wire transfer fee is the charge a bank applies for sending money by wire from a deposit account. Outgoing international wires, banker-assisted transfers, and foreign-currency wires cost the most; online domestic wires cost less, and many banks waive the fee on premium accounts. Statements show it as WIRE FEE, WIRE TRANSFER FEE, or FEE FOR DOMESTIC FUNDS TRANSFER.

Important: What this code is NOT

Unreviewed registry note: A wire fee is not an ACH fee. Same-day RTP or ACH transfers, Zelle moves, and standard paper-free transfers are separate products with separate pricing. A line reading WIRE FEE or WIRE TRANSFER marks a Fedwire, CHIPS, or SWIFT transfer — the transfer itself is a separate transaction beyond the fee.

Understanding WIRE TRANSFER FEE (Wire Transfer Fee (Outgoing))

Unreviewed registry note: Wells Fargo prices a digital wire at $30 (domestic and international) and a branch wire at $40, with standing transfer orders at $25 and drawdowns at $15; incoming wires are free. Prime Checking and Premier Checking waive the outgoing wire fee, and Premier waives it without limit. A 3% international purchase fee and an exchange-rate markup apply to foreign-currency wires.

Unreviewed registry note: Bank of America (08/2026) charges $30 for an outgoing domestic wire, $15 for an incoming domestic wire, $45 for an outgoing international wire in U.S. dollars, and no wire fee for outgoing international wires in foreign currency — though exchange-rate markups apply. Its premium tiers (Preferred Plus, Honors, Premier, and Advantage Relationship Banking) waive various wire fees, including the international incoming wire fee.

Unreviewed registry note: Citi's deposit account agreement (Appendix 1) lists a $15 incoming wire fee (statement line “Service Charges Incoming Wire Fee”) and a $25 outgoing online domestic wire fee (“Fee for Domestic Funds Transfer”), with waivers on Citi Priority, Citigold, and Citigold Private Client accounts. USAA (eff. 10/10/2025) charges $20 per outgoing domestic or international wire (statement line “Wire Fee”) plus a $25 International Wire Service Fee for outgoing international wires, for a total of $45; incoming wires are free.

Find the transaction details

Read the complete entry and its direction before looking for a company. A code may describe a deposit, payment type or status; it does not necessarily identify a purchase:

  1. Step 1 Unreviewed registry note: No merchant lookup applies — the fee comes from your own bank for the transfer service, not from a retailer or biller. It posts as a debit alongside the wire amount on the statement.
  2. Step 2 Unreviewed registry note: Name the product: look for the exact statement label (WIRE FEE, WIRE TRANSFER FEE, INTL WIRE FEE, FEE FOR DOMESTIC FUNDS TRANSFER) and match it to your bank's published wire fee schedule.
  3. Step 3 Unreviewed registry note: Third parties can add their own charges: intermediary banks and the recipient's bank may assess separate fees that appear as additional debits around the transfer date.
  4. Step 4 Unreviewed registry note: If the amount does not match your bank's posted schedule, ask for the wire confirmation number and compare the fee leg with your bank's fee disclosure before disputing.

Example statement lines

These are lookup illustrations. Bank layouts vary, and an example does not establish a particular originator or authorization:

  • WIRE FEE
  • WIRE TRANSFER FEE
  • FEE FOR DOMESTIC FUNDS TRANSFER
  • INTL WIRE FEE
  • SERVICE CHARGES INCOMING WIRE FEE

Questions about WIRE TRANSFER FEE

What does WIRE TRANSFER FEE stand for on a bank statement?

Registry label for WIRE TRANSFER FEE: Wire Transfer Fee (Outgoing). Unreviewed registry note: A wire transfer fee is the charge a bank applies for sending money by wire from a deposit account. Outgoing international wires, banker-assisted transfers, and foreign-currency wires cost the most; online domestic wires cost less, and many banks waive the fee on premium accounts. Statements show it as WIRE FEE, WIRE TRANSFER FEE, or FEE FOR DOMESTIC FUNDS TRANSFER.

Is WIRE TRANSFER FEE the name of a company?

Unreviewed registry note: A wire fee is not an ACH fee. Same-day RTP or ACH transfers, Zelle moves, and standard paper-free transfers are separate products with separate pricing. A line reading WIRE FEE or WIRE TRANSFER marks a Fedwire, CHIPS, or SWIFT transfer — the transfer itself is a separate transaction beyond the fee.

How can I find the originator or merchant for a WIRE TRANSFER FEE entry?

Unreviewed registry note: No merchant lookup applies — the fee comes from your own bank for the transfer service, not from a retailer or biller. It posts as a debit alongside the wire amount on the statement. Unreviewed registry note: Name the product: look for the exact statement label (WIRE FEE, WIRE TRANSFER FEE, INTL WIRE FEE, FEE FOR DOMESTIC FUNDS TRANSFER) and match it to your bank's published wire fee schedule. Unreviewed registry note: Third parties can add their own charges: intermediary banks and the recipient's bank may assess separate fees that appear as additional debits around the transfer date. Unreviewed registry note: If the amount does not match your bank's posted schedule, ask for the wire confirmation number and compare the fee leg with your bank's fee disclosure before disputing.

Source references

These references accompany this entry. A claim-level evidence review is pending; a citation alone does not verify every statement.