Moving Your Money

International Wire Transfer Services

Summary of service

International wire transfers can be sent in US dollars, or in the local currency of the beneficiary—known as a Foreign Exchange Wire. All international wires are sent via the SWIFT network, which is a fast, secure way to send a specific amount of foreign currency or US dollars internationally.

Essentials to know

  • At First Citizens, an international wire is defined as any wire with a beneficiary bank outside the US as well as these US territories and associated states:

    • American Samoa
    • Federated States of Micronesia
    • Guam
    • Midway Islands
    • Northern Mariana Islands
    • Puerto Rico
    • Republic of Palau
    • Republic of the Marshall Islands
    US Virgin Islands

  • FX wires will be available until Wednesday, June 13 at 6 pm ET.

  • All international wires will be processed through our Commercial Advantage digital platform, or by visiting a branch, with a cutoff time of 4 pm ET.

  • Initiating Wires:

    • Your international wire templates will be transferred to Commercial Advantage in Needs Repair status and will require one or more fields be updated prior to use. For instructions, refer to our How to Modify an Existing Template to a Recurring Template (PDF).

    FX templates will not be transitioning to Commercial Advantage and will need to be recreated on July 18. Save, print or download your templates as needed.

  • Receiving Wires:

    • Be sure to provide senders with your new routing number—in effect on July 18.

    • To see if your account number is also changing, refer to your First Citizens Welcome package mailed on June 10. If necessary, provide the new number to your senders.

  • Alerts:

    • Alerts can't be transferred to First Citizens. Make note of the alerts you currently rely on so you can reestablish them in Commercial Advantage.

    • For instructions, refer to the Alerts Quick Reference Guide (PDF).

Additional resources

International Wire Quick Reference Guide

Follow these simple steps to wire funds worldwide.

Create an International Wire Needs Rate Alert

Set an alert that notifies you when a currency reaches your target rate of exchange.

Processing a Wire Transfer

Learn how to create and submit a free-form wire transfer.

Fix a Template in Needs Repair Status

Follow these simple steps to fix any template in Needs Repair status.

FAQ

People often ask us

View the International Wire Quick Reference Guide (PDF) to learn more about wires. Important note: Customers familiar with initiating a USD-to-USD or FX wire will now initiate a new payment as a Wire – International payment type.

The Get Rate feature is a 60-second countdown clock allowing a customer to receive an approved rate on the day you want the wire to be sent to the bank. In order to send an international wire, you'll first need to open Get Rate, then select Trade to execute the wire. For assistance in using the Get Rate feature, view our Create an International Wire Needs Rate Alert (PDF).

All wires (commercial and consumer) with a beneficiary bank outside of the continental US and its territories and associated states are required to be entered as international wires.

US territories and associated states:

  • American Samoa
  • Federated States of Micronesia
  • Guam
  • Midway Islands
  • Northern Mariana Islands
  • Puerto Rico
  • Republic of Palau
  • Republic of the Marshall Islands
  • US Virgin Islands

For more information, review the International Wire Quick Reference Guide (PDF) and the Create an International Wire Needs Rate Alert (PDF).

All wire transactions submitted prior to 4 pm ET Monday through Friday—excluding bank holidays—will be processed the same day for delivery.

No. First Citizens doesn't support Wire Fax Advice. If you were previously enrolled in Wire Fax Advice, you'll now receive Email Advise Notifications. If you want to be enrolled in this service, visit your local branch to complete the required enrollment process.

Your USD-to-USD templates will transition to Needs Repair status and will require one or more fields be updated prior to use. Your FX wire templates won't transition to Commercial Advantage and will need to be re-created on July 18.

The final date and time to process an FX wire from BeB will be Wednesday, July 13 by 6 pm ET. You'll have access to send an FX wire from Commercial Advantage beginning Monday, July 18.

First Citizens debits the account on the transaction date of the wire. For most markets, this date—also referred to as the trade date—is typically two days prior to settlement date.

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