Navy Federal Credit Union
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

Whether you're sending or receiving funds from someone within the U.S. territories or abroad, Navy Federal Credit Union provides a fast, secure and convenient method of getting your money where it needs to be through our wire transfer service.

Domestic

A domestic wire transfer is a transfer of funds within the U.S. states and territories.

Fee: $14

Anticipated Receipt: 1-2 business days

International

Funds wired to overseas accounts can be sent in either foreign currency or U.S. dollars. Prior to initiating a transfer, contact the intended payee to request their wiring instructions, thus limiting processing delays and helping ensure that funds reach their intended destination.

Fee: $25

Anticipated Receipt: 5-7 business days

Other information besides what is listed below may be required, depending on the country to which you're sending funds. Navy Federal will not send a wire transfer to Belarus, Cuba, Iran, Libya, Sudan, Syria, Ukraine or Yemen.

1 What you will need

Gather the following details prior to making a request to transfer:

Your InformationPayee InformationTransfer InformationReceiving Financial
Institution Information
  • Name
  • Account Number
  • Address
  • Payee Name
  • Payee Account Number
    IBAN or CLABE Number1
  • Payee Address
  • Additional Wiring Instructions (if applicable)
  • Transfer Amount
  • Third-Party Status
  • Purpose of Wire1
  • Name and Address
  • Routing Number/ABA
  • SWIFT/BIC1
  • Corresponding or Intermediary Bank Name and Routing Number (if applicable)

1Only necessary for international wire transfers.

2 Initiating the transfer

Then, initiate the transfer by providing the above information to Navy Federal by:

Phone2

Call 1-888-842-6328 to initiate a transfer by phone.

2Third-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 via the Navy Federal Account Access site.

Fax

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

Mail

Print the Domestic Wire Transfer Form or the International Wire Transfer Form.

Send the completed form to:

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

Branch

Visit your local branch to initiate a transfer in person. Find the closest branch to you.

Secure eMessage

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

Need Help?

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

We'll need the following information to assist you:

  • Name
  • Account number
  • Date of wire
  • Phone number
  • Summary of issue
  • Amount

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 secure eMessage.

We'll need the following information to assist you:

  • Name
  • Account number
  • Date of wire
  • Phone number
  • Summary of issue
  • Amount

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 secure eMessage.

We'll need the following information to assist you:

  • Name
  • Account number
  • Date of wire
  • Phone number
  • Summary of issue
  • Amount

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.