Although it might seem effortless, the act of transferring money between banks internationally, such as with a Wells Fargo wire transfer, is the result of a well-organized networking system that employs a SWIFT code. SWIFT stands for the Society for Worldwide Interbank Financial Telecommunication, the cooperative utility that created the SWIFT messaging network banks use to facilitate these international funds transfers. The network connects more than 11,000 entities, including banking and securities organizations, in more than 200 countries and territories. Learn how to find your Wells Fargo SWIFT code, how it’s used and how it differs from a bank routing number.
This guide to Wells Fargo SWIFT codes will cover the following:
- What Is a SWIFT Code?
- How To Find Your Wells Fargo SWIFT Code
- How Is Your Wells Fargo SWIFT Code Used?
- Wells Fargo SWIFT Code vs. Routing Number
A SWIFT code — also known as a bank identifier code, or BIC — is what banks use during international wire transfers to identify the particular bank to which the funds will be sent. SWIFT codes contain either eight or 11 characters.
The first four characters of the SWIFT code serve as a bank identification code and are often closely related to the bank’s name in some way, such as an abbreviated version or an acronym. The next two letters are the country code, which identifies the country where the bank is located. Next in the sequence is the city code — two letters or numbers that identify the city where the bank’s headquarters is located. Finally, if the SWIFT code contains the three additional and optional characters — either letters or numbers — those are the branch code, which identifies the bank’s branch office.
Your Wells Fargo’s SWIFT code depends on where you are located. You can find your SWIFT code here. You can also contact your local Wells Fargo branch, log in to your online banking account or reference the following table to find your bank’s SWIFT code:
|Wells Fargo SWIFT Codes|
|Location||Bank Name||SWIFT Code|
|Charlotte, North Carolina||Wells Fargo Bank, N.A. Foreign Exchange||WFBIUS6WFFX|
|Charlotte, North Carolina||Wells Fargo Bank, N.A. International Processing Center
|Los Angeles||Wells Fargo Bank, N.A. International Processing Center Trade Operations||PNBPUS6L|
|New York||Wells Fargo Bank, N.A. International Branch||PNBPUS3NNYC|
|New York||Wells Fargo Bank, N.A. Foreign Exchange||WFBIUS6WFFX|
|Philadelphia||Wells Fargo Bank, N.A. International Processing Center||PNBPUS33
|San Francisco||Wells Fargo Bank, N.A. Foreign Exchange||WFBIUS6WFFX|
|Winston-Salem||Wells Fargo Bank, N.A. Standby Letters of Credit||PNBPUS33SLC|
|Atlanta, Charlotte, Chicago, Dallas, Houston, Irvine, Los Angeles, Miami, Minneapolis, New York, Palo Alto, Philadelphia, San Francisco, Seattle||International Bank Trade Services Centers||WFBIUS6S|
You’ll also need the Wells Fargo address for transactions using the SWIFT codes:
Wells Fargo Bank
420 Montgomery Street
San Francisco, CA 94104
Discover: Here’s Your Wells Fargo Routing Number
SWIFT codes, including your Wells Fargo SWIFT code, are used for a variety of purposes besides international funds transfers, including Single Euro Payments Area, or SEPA, payments, buying and selling securities and sending corporate messages.
When you want to send a Wells Fargo international wire transfer, you’ll need the following information:
- Name and address of the person receiving the funds
- Name and address of the recipient’s bank
- SWIFT code for the recipient’s bank
- Recipient’s bank account number
- International Bank Account Number and International Routing Code, in some cases
- Purpose of the payment you’re transferring
When you’re the recipient of an international money transfer to your Wells Fargo bank account, this is the information you’ll need to provide to the person sending the payment:
- Your Wells Fargo bank account number, including leading zeros
- The name on the account, exactly as it appears on your bank statement
- Name of your bank
- Address of your bank
- Your bank’s SWIFT code
A Wells Fargo international wire transfer fee applies for both incoming and outgoing transactions:
- Incoming international wire transfers, U.S. or foreign currency: $16
- Outgoing international wire transfers, U.S. or foreign currency: Disclosed at the time of the international transaction
Although some people might think that a SWIFT code and an American Bankers Association routing number are the same, they’re not. Here’s a breakdown of the differences that set them apart:
- Also known as a bank identifier code, or BIC
- Made up of eight or 11 characters
- Used for international transfers via the SWIFT network
- Based on the international bank’s name, branch, country and location
ABA Routing Number:
- Also known as a routing transit number, or RTN
- Nine numbers
- Used for domestic transfers
- Based on the U.S. bank where the account was opened
Want to know more? Check out SWIFT Codes: What They Are and How To Find Them.
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More SWIFT Codes
Cynthia Measom has over a decade of writing experience in the personal finance sector.