To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Send Money Securely

Whether it’s next door or across the world, Navy Federal can get your money there fast, easy and secure. We can help you with sending or receiving funds, within the U.S. territories or abroad.

If you need help or experience any issues, call us at 1-888-842-6328 or through a secure message.

Step 1. Gather Information

The information you need depends on whether you’re sending or receiving and whether you’re sending money within the U.S. or internationally.

Domestic

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

  • Fee: $14
  • Expected wait: 1-2 business days

International

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

  • Fee: $25
  • Expected wait: 5-7 business days

Your Information

  • Name
  • Sender address (if sending more than $3,000)
  • Account number

Payee Information

  • Name
  • Payee address (if sending more than $3,000)
  • Account number
  • Account type (e.g., checking, savings, brokerage)

Transfer Information

  • Transfer amount
  • Third-party status
  • Additional wiring instructions (if applicable)

Receiving Financial Institution Information

  • Name and address
  • Routing number (ABA)
  • Corresponding or intermediary bank name and routing number (if applicable)

Your Information

  • Name
  • Address
  • Account number

Payee Information

  • Name
  • Address
  • Account number
  • Account type (e.g., checking, savings, brokerage)
  • International Bank Account Number (IBAN) or Clave Bancaria Estandarizada (CLABE)

Transfer Information

  • 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
  • Type of currency

Receiving Financial Institution Information

  • Name and address
  • SWIFT/BIC of receiving financial institution
  • Corresponding or intermediary bank name and routing number (if applicable)
  • 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.

Step 2. Request Forms

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 must be submitted in writing, by fax, through a secure message or by visiting a branch.

Secure Message

Send a secure message via online or mobile banking. 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 us at 1-888-842-6328.

Fax

Fax the completed form to either 703-255-7739 or to 1-800-552-1841, Attn: Funds Disbursement Section.

Mail

Send the completed form to Navy Federal Credit Union, Attn: Funds Disbursement Section, 820 Follin Lane SE, Vienna, VA 22180.

Receiving Transfers

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
  • Expected wait: Same day processing, if received prior to 7:30pm, EST

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.

FAQs

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.

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.

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 Estandarizada (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.

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.
  • International wire transfers can be cancelled within 30 minutes of submission. You will receive a full refund unless the funds have already been received by the receiving financial institution.

Disclosures

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 this application, 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.