Your Guide to Wells Fargo SWIFT Codes

Learn how to make a Wells Fargo international wire transfer.

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?

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.

How To Find Your Wells Fargo SWIFT Code

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
LocationBank NameSWIFT Code
Charlotte, North CarolinaWells Fargo Bank, N.A. Foreign ExchangeWFBIUS6WFFX
Charlotte, North CarolinaWells Fargo Bank, N.A. International Processing Center
Trade Operations
PNBPUS33CHA
Los AngelesWells Fargo Bank, N.A. International Processing Center Trade OperationsPNBPUS6L
New York Wells Fargo Bank, N.A. International Branch PNBPUS3NNYC 
New YorkWells Fargo Bank, N.A. Foreign ExchangeWFBIUS6WFFX
PhiladelphiaWells Fargo Bank, N.A. International Processing CenterPNBPUS33
PNBPUS33PHL
San Francisco Wells Fargo Bank, N.A. Foreign Exchange WFBIUS6WFFX 
Winston-SalemWells Fargo Bank, N.A. Standby Letters of CreditPNBPUS33SLC
Atlanta, Charlotte, Chicago, Dallas, Houston, Irvine, Los Angeles, Miami, Minneapolis, New York, Palo Alto, Philadelphia, San Francisco, SeattleInternational Bank Trade Services CentersWFBIUS6S

You’ll also need the Wells Fargo address for transactions using the SWIFT codes:

Wells Fargo Bank
420 Montgomery Street
San Francisco, CA 94104

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How Is Your Wells Fargo SWIFT Code Used?

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

Full Range of Products and Low Fees: Wells Fargo Personal Banking Review

Wells Fargo SWIFT Code vs. Routing Number

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:

SWIFT Code:

  • 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.

Cynthia Measom has over a decade of writing experience in the personal finance sector.

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About the Author

Cynthia Measom is a Texas-based writer specializing in finance, business, parenting and education. With almost a decade of online writing experience, her work has appeared on websites such as Chron.com, The Bump and The Motley Fool. Measom received a Bachelor of Arts in English from the University of Texas at Austin.