Commercial International Wire Transfers

Conducting business when time is critical

If you're involved in international trade on an open-account or payment-in-advance basis, look to us for international wire transfer services. We help importers and exporters send and receive funds in US dollars and foreign currencies quickly and efficiently.


Benefits for importers

Improve cash flow

Retain funds until the exact time payments are due. Payments are made to the vendor's bank for credit to the vendor's account.

Flexible, easy and convenient

Payments can be made in US dollars and in any freely tradable currency (over 80 currencies available).


Benefits for exporters

Improve cash flow and save time

Gain immediate access to collected funds.

Increase efficiency

Receive prompt notification of incoming payments when enrolled in Business Online Banking or First Citizens FXEnvoy.

Foreign Currency

Make business and travel abroad secure and simple

Get the foreign currency you need to do business in other countries.
Remote Deposit Capture

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.

People often ask us

International wire transfers can be conducted in US dollars or a foreign currency using Commercial Advantage, First Citizens FXEnvoy or with a banker at a First Citizens branch location. To complete an international wire transfer, you must provide:

  • The beneficiary's full name and address
  • The bank's name and city/country
  • The 11-character SWIFT/BIC Code
  • The beneficiary's account number or International Bank Account Number (IBAN). An IBAN may also be required based on the transfer country of the beneficiary bank.
  • The currency/amount of the payment
  • The reason for the payment

FXEnvoy is our online international payments client portal that empowers businesses with a fast, efficient and secure method for facilitating international business from the convenience of their computers. It offers real-time FX rates, FX payment and risk management solutions as well as our new Multi-Currency Accounts in a secure online environment.

Sending an international payment online with FXEnvoy is a simple process that can take less than a minute. Just book your FX transaction online and apply your beneficiary’s payment instructions. Once you book your exchange rate, it’s locked in and will not fluctuate prior to delivery.

Unless the beneficiary has specifically requested US Dollars, generally, it may be beneficial to send your payment in the local currency of the beneficiary. US dollars sent to an account that is denominated in a foreign currency may take longer to be received and may incur higher bank charges than if you send the local currency.

A wire transfer is more efficient than a foreign draft and funds are usually available immediately upon receipt by the beneficiary.

IBAN stands for International Bank Account Number. It’s a domestic account number standard for all retail and commercial payments in the European Union. A growing number of other countries have also adopted this same format for routing domestic payments. IBANs are assigned by foreign banks to their customers and can consist of up to 34 alphanumeric characters.

Our payment platform has a built in IBAN validation that will let you know if the IBAN is not valid.

We utilize multiple layers of security in order to help safeguard your confidential information including two-factor authorization and maker-checker functionality for templates and payments.


Expand your international banking knowledge

Normal bank approval applies.

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