fin.codes

Before sending a wire

A routing number identifies a bank, not the person or business receiving the money. Verify the recipient and the bank instructions directly before you send.

Verification steps

  1. Confirm the recipient's name and account number out of band — by phone, not by replying to the email.

  2. Confirm the routing number or SWIFT/BIC on the bank's official site.

  3. Check whether the instruction is for ACH, a domestic wire, or an international wire.

  4. Call the bank using a number you already know if anything changed by email.

What the wire will cost

Sending fees run $0–$50 depending on the bank and how you send. See published wire fees by bank — each quoted from the bank's own fee schedule with a checked date.