A wire transfer is an electronic payment used to transfer funds between bank accounts. It's the fastest way to securely transfer large sums to yourself, other people, or a business. Bank wires are reviewed and verified by employees at both the sending and receiving firms before they’re processed to ensure the sender has the money to complete the transfer, and that the receiving account is available to accept the money.
Wires from Fidelity
Bank wires are the fastest way to send money from your Fidelity account, as funds sent before 4 p.m. ET on a business day are typically available the same day. You can send wires from your Fidelity account with some basic information:
- For wires to your own account, you'll need the routing and account numbers you're wiring to.
- For wires to someone else, you'll need the recipient’s routing and account numbers, name, address, and contact information.
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How to send a bank wire
Wires to Fidelity
Wires to Fidelity are created at your external bank. You can find more details about what information is needed to wire to Fidelity below.
Instructions for U.S. dollars only
| Brokerage accounts | Mutual fund only accounts | |
|---|---|---|
| Wire funds to | J.P. Morgan Chase, NY Why send it here? | Deutsche Bank Trust Company Why send it here? |
| Routing number | 021000021 | 021001033 |
| For credit to | National Financial Services LLC Who is this? | Fidelity Group of Funds Who is this? |
| Account number | 066196–221 | 00163053 |
| For the benefit of | List all owners on the Fidelity account (for retirement accounts, also include contribution type here). | List all owners on the Fidelity account (for retirement accounts, also include contribution type here). |
| For final credit to | Your account number (letters included if applicable) | The fund name and your account number |
| Address | 383 Madison Avenue
New York, NY 10017 |
60 Wall Street
New York, NY 10005 |
| SWIFT code | For U.S. Dollar wires from foreign banks, use SWIFT code "CHASUS33" | For U.S. Dollar wires from foreign banks, use SWIFT code "BKTRUS33" |
Additional information needed to wire to retirement accounts
When sending a wire to a retirement account, always indicate the contribution designation for the wire by including the appropriate code with the wire instructions from the table below:
| Code | Definition | Traditional &
Rollover IRA |
Roth IRA | SEP IRA | DCRP/SE 401k |
|---|---|---|---|---|---|
| CYC | Current year contribution | Yes | Yes | ||
| PYC | Prior year contribution | Yes | Yes | ||
| ROC | 60-day rollover | Yes | Yes | Yes | |
| DRC | Direct rollover from an employer plan | Yes | Yes* | Yes | |
| CVC | Conversion to a Roth IRA, when funds came from a non-Roth IRA | Yes | |||
| SEP | Employer SEP IRA contributions | Yes | |||
| KCT | DCRP/SE 401k contributions | Yes | |||
|
*Subject to contribution limits and deadlines
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Timing, fees, & transfer limits
Wire transfers are are typically available on the same day if the wire is completed before 4 p.m. ET on a business day. Fidelity never charges fees for wire transfers, thought you may see fees from the sending or receiving bank.
There are limits for the amount of money you can send via bank wire in a given day, and some transactions have minimum dollar amounts. The transfer limit for bank wires is $250,000 per day, per client. The minimum amount for each bank wire is $100. If you need to wire more than $250,000 in one business day, you can call our customer service line at 800-343-3548 for assistance.
Need to track a recent wire transfer or view your transfer history? Visit Activity & OrdersLog In Required.
International bank wires
Wires to or from a foreign bank, or wires using a foreign currency, should be sent by form, or by calling 800-544-2976. Find more information about mailing an international wire, or call 800-544-2976.
