USAA wire transfer fees
USAA charges $20 to send a domestic wire, $45 to send an international wire in US dollars and $0 to receive a domestic one, according to its published fee schedule.
- Domestic, outgoing
- $20
- Domestic, incoming
- $0
- International out, sent in USD
- $45
- International out, foreign currency
- $45
- International, incoming
- $0
- Same-day cutoff
- 4:00 p.m. CTInternational: 3:30 p.m. CT
The exchange rate is a second charge
Incoming foreign-currency wires are converted to dollars by correspondent banks before USAA receives them.
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.
Cutoff times
Wire offices are closed on weekends and federal holidays.
Worth knowing
- Domestic wires can be sent at usaa.com or by phone; international wires by phone only.
- USAA charges the same $45 for an international wire in US dollars or foreign currency.
Of the 17 banks in our table, 1 charges 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 Spot an outdated figure?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 USAA? 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.