Wire Transfers

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.

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.