Skip navigation links
Navy Federal Credit Union

Wire Transfers

Send Money Securely

Whether it's next door or across the world,
your money will reach your loved ones.

Sending a Wire Transfer

If you need to transfer money, Navy Federal offers a variety of fast, easy and secure options. We can help whether you're sending or receiving funds—from someone within the U.S. territories or abroad. And while not every Navy Federal branch processes wire transfers, we’ll make sure your money gets where it needs to be. Check to see if your local branch processes transfers or take advantage of one of our other methods.

Domestic

Easily transfer funds within the U.S. states and territories.

Fee: $14

Anticipated Receipt: 1-2 business days

Download the Domestic Wire Transfer Form

International

To wire funds overseas, you can send the money in foreign currency or U.S. dollars. To limit processing delays and make sure the funds reach their intended destination, contact the payee for their financial institution’s wiring instructions before starting the transaction.

Fee: $25

Anticipated Receipt: 5-7 business days

Download the International Wire Transfer Form

How to Transfer Funds

1 Gather information

You’ll need the following information:

Domestic Wire Transfer Checklist
Your InformationPayee InformationTransfer InformationReceiving Financial
Institution Information
  • Name
  • Account number
  • Address
  • If sending more than $3,000, also include sender and payee address in remarks
  • Name
  • Account type and number
  • Address
  • Transfer amount
  • Third-party status
  • Additional wiring instructions (if applicable)
  • Name and address
  • Routing Number (ABA)
  • Corresponding or Intermediary Bank Name and Routing Number (if applicable)
International Wire Transfer Checklist
Your InformationPayee InformationTransfer InformationReceiving Financial
Institution Information
  • Name
  • Account number
  • Address
  • Name
  • Address
  • Account type and number
    • IBAN or CLABE
  • Transfer amount
  • Type and purpose of wire
  • Whether transfer is to a third party (anyone other than yourself)
  • Any remarks needed on wire
    • Additional wiring instructions
    • U.S. dollars or foreign currency
  • Name and address
  • Financial Institution’s SWIFT or BIC
  • Intermediary/Correspondent Bank Name and Routing Number, if applicable

2 Initiate the transfer

Start the transfer by filling out the Domestic or International Wire Transfer Form and providing it to Navy Federal through one of the following methods. Third-party requests greater than $5,000 and wires in foreign currency greater than $25,000 must be submitted in writing, by fax or through a secure eMessage.

Secure eMessage

Send a secure eMessage via the Navy Federal Online Banking site. Once your message is received, we'll contact you to process the wire.

Branch

Find the closest branch to you. If you're trying to process an international wire, confirm that your local branch offers this service.

Phone

Call 1-888-842-6328.

Fax

Attn: Funds Disbursement Section
703-255-7739 or 1-800-552-1841

Requests sent via fax must have a signature.

Mail

Send the completed form to:

Navy Federal Credit Union
Attn: Funds Disbursement Section
820 Follin Lane SE
Vienna, VA  22180

Need Help?

If you experience any issues with wire transfers, contact us by phone at 1-888-842-6328 or through a secure eMessage.

Additional information may be required, depending on the country to which you're sending funds. Navy Federal won't send wire transfers to Cuba, Iran, Libya, North Korea, Sudan, Syria, Yemen or the Crimean Region of Ukraine.

USA Patriot Act—Important information about opening a new account: Federal law requires that we obtain, verify and record information that identifies each person who opens an account. Within applications, we ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Approval of your application may be delayed pending further verification of your identity.

Receiving a Wire Transfer

Wire deposits can be made to your savings, checking or Money Market Savings Account, as well as to any loan, credit card, mortgage, Checking Line of Credit or lease account.

Fee: $0, though the sending financial institution may charge to initiate transfer.

Anticipated Receipt:

  • Incoming funds are processed upon receipt and posted to accounts the same day if received prior to 6:30 pm, EST.
  • Funds received after the cutoff time will be posted the next business day.

What you will need

In order to receive a domestic or international wire transfer, provide the following information to the sending financial institution:

  • Name as titled on NFCU account
  • Account number to which the funds should be credited
  • Navy Federal's Routing/ABA Number (256074974)
  • Navy Federal's address: 820 Follin Lane SE, Vienna, VA 22180

For international transfers, members should instruct the sending financial institution to use a corresponding bank to facilitate the transfer to your account, as Navy Federal is not part of the SWIFT network. Navy Federal only receives U.S. currency.

Need Help?

If you experience any issues with wire transfers, contact us by phone at 1-888-842-6328 or through a secure eMessage.

USA Patriot Act—Important information about opening a new account: Federal law requires that we obtain, verify and record information that identifies each person who opens an account. Within applications, we ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Approval of your application may be delayed pending further verification of your identity.

Frequently Asked Questions

What is a wire transfer?

A wire transfer is a type of electronic payment service for transferring funds between financial institutions by wire through the Federal Reserve, the Society for Worldwide Interbank Financial Telecommunications (SWIFT) network or the Clearing House Interbank Payment System (CHIPS).

While we only handle wire transfers through the Federal Reserve System, we're able to process international wire transfers through our dedicated correspondent bank.

How are exchange rates calculated for sending funds in foreign currency?

Navy Federal partners with our dedicated correspondent bank to provide exchange rates for converting funds. This rate factors the cost of exchanging the funds in addition to the actual exchange rate. Prior to sending funds to be converted, you'll be quoted an exchange rate, as well as the total amount to be received, to which you have the option to agree or decline the quoted rate. Once agreed to, the rate is "locked" in and will be sent according to the agreed upon rate.

What are SWIFT, BIC, IBAN and CLABE numbers, and how do I find them?

Society for Worldwide Interbank Financial Telecommunications (SWIFT) and Bank Identifier Codes (BIC) are used to locate and identify financial institutions primarily overseas.

An International Bank Account Number (IBAN) is a series of alphanumeric characters that uniquely identifies an account held predominately by banks in Eurozone countries. Clave Bancaria Esandarizada (CLABE) is a standard 18-digit number for bank accounts in Mexico.

You can obtain any of these numbers by asking the intended payee for their wiring instructions.

How do I cancel a wire?

Call us at 1-888-842-6328 to cancel your transaction. If the wire transaction is still at Navy Federal, we can cancel it with no fees assessed.

If your wire has already been processed, we can submit a reversal request to the payee's financial institution and attempt to retrieve the funds.

Please note:

  • Wire transfers are immediate, final and irrevocable. Reversal attempts may go unanswered.
  • Fees may be assessed by other financial institutions if the reversal request is successful.
  • There is no set time frame for receiving a response from the payee's financial institution. Contact Navy Federal five business days after the initial cancellation to request an update of your inquiry.

Need Help?

If you experience any issues with wire transfers, contact us by phone at 1-888-842-6328 or through a secure eMessage.

USA Patriot Act—Important information about opening a new account: Federal law requires that we obtain, verify and record information that identifies each person who opens an account. Within applications, we ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Approval of your application may be delayed pending further verification of your identity.