UnknownCharges

Banking Fee & Account Adjustment

WIRE TRANSFER FEE (Wire Transfer Fee (Outgoing))

WIRE TRANSFER FEE
08/05 WIRE FEE $45.20

要約

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

重要：このコードが意味しないもの

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.

WIRE TRANSFER FEE の詳細解説

Wires move money over Fedwire, CHIPS, or SWIFT rather than the ACH network, and banks price them as a premium service. Chase (eff. 6/14/2026) charges $35 for a banker-assisted domestic wire, $25 for one started online, $50 for a banker-assisted consumer international wire in USD or foreign currency, $40 for an online consumer international wire in USD, and $5 for an online consumer international wire in foreign currency — free once the amount reaches $5,000 USD. Incoming wires at Chase cost $15, or $0 when the sender used a Chase banker, chase.com, or Chase Mobile.

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.

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.

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.

Remittance transfers — consumer wires sent abroad — carry federal disclosure protections under Regulation E Subpart B: the provider must disclose fees, the exchange rate, and delivery details before you pay, and must offer cancellation and error-resolution rights (12 CFR §1005.31). Banks must also disclose their international wire fees by law.

実際の加盟店を特定する方法

  1. ステップ 1 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. ステップ 2 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. ステップ 3 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. ステップ 4 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.

代表的な明細表記パターン

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

検証ソース