How Do I Know If My Wire Transfer Arrived?


Banks and credit unions use wire transfers to safely send money from your bank account to an account at a different financial institution. If you are transferring funds from one of your accounts to another, most banks will allow you to initiate a wire transfer online, in person or over the phone. Following up is simple; just check the balance of the account to which you transferred the funds. It's a little more complicated if you're sending money to someone else's account or receiving a wire transfer from another individual.

  • Send your wire, providing all required information to speed it to its destination. You will need to provide the account number you wish to transfer funds from and the bank name, routing number, account number and name of the account holder to send the money to. International wire transfers often require a SWIFT (Society for Worldwide Interbank Financial Telecommunication) code as well.

  • Check your bank account online or by making a balance inquiry at any ATM to see if your wire went through. You will know your wire transfer was successful if you see its amount has been deducted from your account balance.

  • Check the balance in your bank account several days after you transfer funds from another account of yours, or after someone tells you he has sent you a wire transfer. Transfers within the United States can take a few business days; those from overseas can take a week or more to arrive. If you send a wire transfer to another individual and don't hear from him in a week or so, contact him to make sure the money arrived.

  • Call your financial institution in the event of a delay, to see if it debited money from or deposited funds into your account. If you are expecting a wire transfer from someone else and it does not arrive within what the bank representative says is a reasonable length of time, considering its point of origin, contact the sender and ask him to have his bank trace the transaction.


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