U.S. Bank wire transfer fees
U.S. Bank charges $30 to send a domestic wire, $50 to send an international wire in US dollars and $20 to receive a domestic one, according to its published fee schedule dated August 10, 2026.
- Domestic, outgoing
- $30$25 to another U.S. Bank account
- Domestic, incoming
- $20$15 from another U.S. Bank account
- International out, sent in USD
- $50
- International out, foreign currency
- –Not published
- International, incoming
- $25
- Same-day cutoff
- 4:30 p.m. CT
Sending abroad from U.S. Bank
U.S. Bank publishes one $50 fee for an outgoing international wire and does not price US-dollar and foreign-currency wires separately.
The exchange rate is a second charge
U.S. Bank converts foreign currency at a retail rate that it says includes its profit, fees, costs and charges.
That markup does not appear on the fee schedule. Ask the bank for the rate before you confirm, then compare it with the reference rate in the calculator below to see what it costs in dollars.
Who pays less
Smartly Checking customers aged 18 to 24 or 65 and over get their first two incoming wires each statement period free, and the Smart Rewards program waives incoming wire fees at some tiers.
Cutoff times
Same-day online and mobile domestic wires run from 7:30 a.m. to 4:30 p.m. Central on business days. International wires go through a branch or by phone, and no international cutoff is published.
Worth knowing
- Online and mobile wires are domestic, in US dollars only.
Of the 17 banks in our table, 8 charge less for a standard outgoing domestic wire. See the full table.
Where these numbers come from
Checked 2026-10-24. Banks change fees; the bank's current schedule and the disclosure it gives you before you send are what bind it. Spot an outdated figure? Tell us.
Sending abroad from U.S. Bank? Price the whole transfer
Reference rate: ECB, 2026-10-23
How it works: the cost of a quote is everything you pay minus what the money the recipient gets is worth at the mid-market rate. That catches a fee and an exchange-rate markup in one number. Assumes the fee is paid on top of the amount sent; if a provider takes its fee out of the amount, enter what the recipient gets instead of the rate. The mid-market rate is the ECB euro reference rate crossed to dollars. ECB reference rates are published for information purposes only.