# Wire Cash

> Bank wire fees and cutoff times from published fee schedules, plus a calculator for the true cost of an international transfer.

Wire Cash (wire.cash) is an independent website. Contact: hello@wire.cash or the form at https://wire.cash/contact/.

MCP server (free, read-only, no key): https://wire.cash/mcp. Tools: bank wire fees, bank fee comparison, cheapest way to send money abroad, wire cutoff times. Setup: https://wire.cash/developers/

## Pages
- [See what a wire really costs before you send it](https://wire.cash/): Compare wire transfer fees by bank and price an international transfer against the mid-market rate, fee and exchange-rate markup together.
- [About Wire Cash](https://wire.cash/about/): Who publishes Wire Cash, where each fee and rate comes from, how often it is checked, and how to report a figure that has changed.
- [Ally Bank wire transfer fees](https://wire.cash/banks/ally/): What Ally Bank charges to send and receive a wire: domestic outgoing $20. Cutoff times and sources.
- [Bank of America wire transfer fees](https://wire.cash/banks/bank-of-america/): What Bank of America charges to send and receive a wire: domestic outgoing $30, international outgoing $45. Cutoff times and sources.
- [Capital One wire transfer fees](https://wire.cash/banks/capital-one/): What Capital One charges to send and receive a wire: domestic outgoing $30. Cutoff times and sources.
- [Chase wire transfer fees](https://wire.cash/banks/chase/): What Chase charges to send and receive a wire: domestic outgoing $25, international outgoing $40. Cutoff times and sources.
- [Citibank wire transfer fees](https://wire.cash/banks/citibank/): What Citibank charges to send and receive a wire: domestic outgoing $30, international outgoing $40. Cutoff times and sources.
- [Citizens Bank wire transfer fees](https://wire.cash/banks/citizens/): What Citizens Bank charges to send and receive a wire: domestic outgoing $30, international outgoing $40. Cutoff times and sources.
- [Discover Bank wire transfer fees](https://wire.cash/banks/discover/): What Discover Bank charges to send and receive a wire: domestic outgoing $30. Cutoff times and sources.
- [Huntington wire transfer fees](https://wire.cash/banks/huntington/): What Huntington charges to send and receive a wire: domestic outgoing $25, international outgoing $75. Cutoff times and sources.
- [Navy Federal Credit Union wire transfer fees](https://wire.cash/banks/navy-federal/): What Navy Federal Credit Union charges to send and receive a wire: domestic outgoing $20, international outgoing $25. Cutoff times and sources.
- [PNC Bank wire transfer fees](https://wire.cash/banks/pnc/): What PNC Bank charges to send and receive a wire: domestic outgoing $25, international outgoing $40. Cutoff times and sources.
- [Regions wire transfer fees](https://wire.cash/banks/regions/): What Regions charges to send and receive a wire: domestic outgoing $30, international outgoing $50. Cutoff times and sources.
- [Charles Schwab Bank wire transfer fees](https://wire.cash/banks/schwab-bank/): What Charles Schwab Bank charges to send and receive a wire: domestic outgoing $15. Cutoff times and sources.
- [TD Bank wire transfer fees](https://wire.cash/banks/td-bank/): What TD Bank charges to send and receive a wire: domestic outgoing $30, international outgoing $50. Cutoff times and sources.
- [Truist wire transfer fees](https://wire.cash/banks/truist/): What Truist charges to send and receive a wire: domestic outgoing $20, international outgoing $65. Cutoff times and sources.
- [U.S. Bank wire transfer fees](https://wire.cash/banks/us-bank/): What U.S. Bank charges to send and receive a wire: domestic outgoing $30, international outgoing $50. Cutoff times and sources.
- [USAA wire transfer fees](https://wire.cash/banks/usaa/): What USAA charges to send and receive a wire: domestic outgoing $20, international outgoing $45. Cutoff times and sources.
- [Wells Fargo wire transfer fees](https://wire.cash/banks/wells-fargo/): What Wells Fargo charges to send and receive a wire: domestic outgoing $30, international outgoing $30. Cutoff times and sources.
- [Paying suppliers abroad: business wire and FX costs compared](https://wire.cash/business/): What US banks charge businesses for international wires, what Wise Business, OFX, Xe and others publish, and how to price a supplier payment.
- [Business wire transfer fees at nine US banks](https://wire.cash/business/bank-wire-fees/): Outgoing and incoming wire fees on business checking at Chase, Bank of America, Wells Fargo, Citi, U.S. Bank, PNC, Truist, Capital One and TD.
- [Contact Wire Cash](https://wire.cash/contact/): Send Wire Cash a question or request. We read every message and reply by email.
- [Wire fee and exchange rate data: CSV, JSON and API](https://wire.cash/data/): Download the bank wire fee table (17 banks, with schedule dates and source links), business wire fees and ECB reference rates in dollars. License and API.
- [Wire fee data for AI assistants: MCP server](https://wire.cash/developers/): Connect Claude, ChatGPT or any MCP client to bank wire fees, cutoff times and the cheapest ways to send money abroad. Free, read-only, no key.
- [Advertiser disclosure](https://wire.cash/disclosures/): Wire Cash takes no payment from the banks or transfer providers it lists, and has no paid links. What would change if that ever did.
- [Guides from Wire Cash](https://wire.cash/guides/): All guides from Wire Cash, newest first. What a wire transfer really costs, bank by bank.
- [Privacy policy](https://wire.cash/privacy/): What Wire Cash collects when you visit or contact us, why, who it is shared with, and how to reach us about it.
- [Sending money to India: fees, rates and total cost](https://wire.cash/send-money-to-india/): Fees and exchange-rate markups for sending dollars to India in rupees, against the ECB reference rate, with a worked example.
- [Sending money to Mexico: fees, rates and total cost](https://wire.cash/send-money-to-mexico/): Fees and exchange-rate markups for sending dollars to Mexico in pesos, against the ECB reference rate, with a worked example.
- [Sending money to the Philippines: the real cost](https://wire.cash/send-money-to-philippines/): Fees and exchange-rate markups for sending dollars to the Philippines in pesos, against the ECB reference rate, with a worked example.
- [Terms of use](https://wire.cash/terms/): The terms that apply when you use Wire Cash, including what the information here is and is not.
- [Wire transfer cutoff times by bank, and Fedwire hours](https://wire.cash/wire-transfer-cutoff-times/): The time of day each bank stops sending same-day wires, plus the Fedwire hours behind them, weekends and holidays.
- [Wire transfer fees by bank: domestic and international](https://wire.cash/wire-transfer-fees/): What big US banks charge to send and receive domestic and international wires, from each bank's published fee schedule, with dates.

## Guides
- [How long does a wire transfer take?](https://wire.cash/guides/how-long-does-a-wire-transfer-take/): A domestic wire sent before the cutoff usually arrives the same business day; an international one takes one to five. What slows each down.
- [How to send a wire transfer](https://wire.cash/guides/how-to-send-a-wire-transfer/): The exact details a bank asks for to send a domestic or international wire, what SWIFT, IBAN, CLABE and IFSC codes are, and how to avoid a returned wire.
- [Paying an international invoice](https://wire.cash/guides/paying-international-invoices/): Whether to pay a foreign supplier in dollars or their currency, who carries the exchange risk, what the SHA and OUR charge codes mean, and when to lock a rate.
- [Your rights on an international transfer](https://wire.cash/guides/remittance-transfer-rights/): What a bank or transfer company must tell you before you send money abroad, the 30-minute cancellation right, and how to get an error fixed, under Regulation E.
- [Wire fraud red flags](https://wire.cash/guides/wire-fraud-red-flags/): The warning signs the FBI, FTC and FinCEN see in wire fraud, why home closings are the top target, and who to call first if you sent money to a scammer.
- [Wire transfer vs ACH](https://wire.cash/guides/wire-transfer-vs-ach/): A wire moves money the same day and cannot be pulled back. ACH is cheap or free but slower. When each one makes sense, with the rules behind them.