Reduce the possibility of delays, additional fees,
or loss of principal on outgoing wires
• Be sure to provide complete Beneficiary Information
including name, address and account number. (city and
country are required for international wires).
• Be sure to provide complete Beneficiary Bank information
including name, branch name, address, city, state, country,
and ABA/RTN or SWIFT/BIC Code.
• For international wires be sure to include the International
Routing Code (IRC) and International Bank Account
Number (IBAN) for countries that require it.
• For international wires to Mexican banks be sure to include
the CLABE account number in the Beneficiary instructions
to ensure correct payment.
• If you are unsure of the Beneficiary information, please contact
the recipient (Beneficiary) for complete routing instructions.
• When initiating Same-Day Canadian Dollar and Mexican
Peso wires prior to the daily deadline of 12:00 p.m. CT,
please be sure to indicate it is a same-day wire transfer.
Information for international wires
1. SWIFT Bank Identifier Code (SWIFT/BIC). The 8 or 11
character SWIFT/BIC is a unique series of alpha numeric
characters that help to identify a specific financial institution.
The SWIFT/BIC should be obtained from the Beneficiary.
To ensure timely delivery please be sure that international
outgoing wires include the SWIFT/BIC where applicable.
2. International Routing Code (IRC): Some countries
throughout the international banking community have
created international routing codes, which are used in
combination with the SWIFT/BIC to aid in routing the
payment through a main oce to a branch. Each country
has a specific name for their routing code (i.e., Sort Code
in the United Kingdom, Canadian Payments Association
Routing Numbers in Canada). Your Beneficiary must
provide the international routing code to facilitate receipt
of an international payment. Sending a wire without the
IRC number can delay the wire, or the receiving bank may
return the wire when this number is not included in the
payment instructions, and additional fees may be assessed.
3. Indian Financial Services Code (IFSC): Every Indian bank
has a unique eleven (11) character alpha - numeric code
identifying the bank branch to receive the wire transfer.
To ensure timely delivery, please be sure that international
outgoing wires include the IFSC where applicable.
4. International Bank Account Number (IBAN): The IBAN
varies by country/institution. Warning! Only the bank
servicing an account can provide the correct IBAN of that
account and must be obtained from the Beneficiary of the
wire. Sending a wire to a participating country without the
IBAN can delay the wire, or the receiving bank may return
the wire when the IBAN is not included in the payment
instructions, and additional fees may be assessed.
Participating Countries that require an IBAN:
5. Mexico CLABE Account Number: In addition to the
SWIFT/BIC Mexican banks now require an 18 digit CLABE
account number be added to the Beneficiary instructions
to ensure payment. The CLABE number is required on all
Mexican Peso (MXN) and USD payments sent to Mexico.
The CLABE account number must be obtained from the
Beneficiary. If the Beneficiary does not have the CLABE
account number, please have the Beneficiary contact their
bank. Wells Fargo does not provide or calculate the CLABE.
Sending a wire without a CLABE account number can delay
the wire, or the receiving bank may return the wire if the
CLABE is not included in the payment instructions, and
additional fees may be assessed.
6. Wells Fargo recommends that if you do not have a
SWIFT/BIC, IBAN, IFSC code, IRC, or Mexican CLABE
number, that you contact the beneficiary of the wire. If
the Beneficiary does not have the needed information,
please have the Beneficiary contact their bank to obtain
the appropriate information. Sending International wires
without the required information can cause the wire to
be delayed, returned, or assessed additional fees. For
International outgoing wires only: When sending in foreign
currency, please ensure the Beneficiary’s account accepts
the designated foreign currency. International foreign
currency wires are generally less expensive to send as
compared with International USD wires (the Wells Fargo
wire fee is always less when the wire is sent in foreign
currency and Wells Fargo does not charge a converting fee;
we also oer competitive exchange rates.) For International
wires in foreign currency that are equal to or over $100,000
U.S. equivalent, please call your local Foreign Exchange
Specialist at 800-786-5593, to obtain a contract number.
7. Purpose of payment (i.e., family remittance, personal
remittance, salary remittance, export remittance (in
settlement of an export), etc.) is required for wire transfers
to several countries. Please check with your beneficiary
to determine purpose of payment requirements for the
country you are sending your wire to.
Page 2 of 2 © 2016 Wells Fargo Bank, N.A. All rights reserved. Deposit products oered by Wells Fargo Bank, N.A. Member FDIC. WTR3874 (Rev 03-03-16)
Albania
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(Republic of)
Bahrain
Belgium
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Croatia
Cyprus
Czech Republic
Denmark
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Republic
Estonia
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Finland
France
French Guiana
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Territories
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Germany
Gibraltar
Greece
Greenland
Guadeloupe
Guatemala
Hungary
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Ireland
(Republic of)
Isle of Man
Israel
Italy
Jordan
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Republic of Kosovo
Kuwait
Latvia
Lebanon
Liechtenstein
Lithuania
Luxembourg
Macedonia
Malta
Martinique
Mauritania
Mauritius
Mayotte
Moldova
(Republic of)
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Netherlands
New Caledonia
Norway
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Palestine
(State of)
Poland
Portugal
Qatar
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Miquelon
San Marino
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Serbia
Slovak Republic
Slovenia
Spain
Sweden
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Tunisia
Turkey
United Arab
Emirates
United Kingdom
Virgin Islands,
British
Wallis and
Futuna Islands