What is Wells Fargo’s SWIFT code?

Although it may seem easy, the act of transferring money between banks internationally, as in the case of a Wells Fargo wire transfer, it is the result of a well-organized network system using a SWIFT code.

SWIFT stands for Society for Worldwide Interbank Financial Telecommunication, whose translation would be “World Interbank Financial Telecommunications Society”, the cooperative service that created the SWIFT messaging network used by banks to facilitate these international transactions.

The network, or SWIFT system, connects more than 11,000 entities, including banking and securities organizations, in more than 200 countries and territories. Therefore, and taking into account the importance of this system to send or receive money from abroad, In this article we are going to teach you how to find the SWIFT code of Wells Fargo, how it is used, and how it differs from a bank routing number.

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What is a SWIFT code?

SWIFT uses a standardized communication system with its members, which means that each message has to follow its own regulations. Any message that does not meet the standards is put on hold for verification, and most likely rejected. The system’s messaging system is secure as it has military-grade security, designed to be impregnable.

SWIFT assigns each member a unique code to identify the different branches of the different banks. No code is the same as another, since the system ensures that they are all different from each other. Apart from these codes, SWIFT certifies its members by strictly checking their legitimacy to ensure that all transactions are made by genuine banks.

SWIFT codes are made up of eight to eleven alphanumeric characters. Here is the breakdown of the codes.

  • The first four digits. Only letters are used for this part, and this represents the name of the bank.
  • The next two digits. It consists of two letters that represent the country code.
  • The next two digits. This is an alphanumeric code used to indicate the most specific location.
  • The last three digits. It is used to identify the branch of a particular bank. This last part is optional and not necessary, especially for banks that do not have other branches.

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And how do SWIFT transactions work?

In financial transactions, everything happens inside banks. The remitting bank sends a payment order, containing all the necessary sender and recipient details, through the SWIFT system. The system will then verify the message, making sure that it comes from the bank that has credentials to use the system.

After the system verifies the validity of the message, the payment order will be sent to the receiving bank, where it will act accordingly. As a member of SWIFT, the recipient will take the message as legitimate and process the transaction to clear the funds and deposit them into the account specified in the payment order.

However, the receiving bank may hold the payment order if it finds something unusual about the recipient or the transaction itself. In this case, the bank(s) will take care of verifying the transaction and the SWIFT system will do nothing else.

This is just one of many transactions that SWIFT can provide. In addition to payment orders for individual and private accounts, SWIFT also handles payment orders for treasury markets and other public statements, such as those from industries and syndications.

Types of SWIFT messages

SWIFT uses different types of messaging systems to organize each of the transactions they handle. Messaging types, such as MT 798, are classified according to the aspect of the financial transaction from which the payment orders originate. All of these regulations are in accordance with the capabilities of members to make transactions as secure as possible.

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How can I look up the Wells Fargo SWIFT code?

Wells Fargo Swift Code

The SWIFT code associated with your Wells Fargo account depends on the location where you opened your account. You can find your SWIFT code here. You can also contact your Wells Fargo branch, log in to your online banking account, or refer to the table below.

location Branch Name Swift code
Charlotte, NC Wells Fargo Bank, NA Foreign Exchange WFBIUS6WFFX
Charlotte, NC Wells Fargo Bank, NA International Processing Center

Trade Operations

The Angels Wells Fargo Bank, NA International Processing Center Trade Operations PNBPUS6L
New York Wells Fargo Bank, NA International Branch PNBPUS3NNYC
New York Wells Fargo Bank, NA Foreign Exchange WFBIUS6WFFX
philadelphia Wells Fargo Bank, NA International Processing Center PNBPUS33


San Francisco Wells Fargo Bank, NA Foreign Exchange WFBIUS6WFFX
Winston-Salem Wells Fargo Bank, NA Standby Letters of Credit PNBPUS33SLC
Atlanta, Charlotte, Chicago, Dallas, Houston, Irvine, Los Angeles, Miami, Minneapolis, New York, Palo Alto, Philadelphia, San Francisco, Seattle International Bank Trade Services Centers WFBIUS6S

You will also need the address of Wells Fargo for transactions with SWIFT codes, which is:

Wells Fargo Bank

420 Montgomery Street

San Francisco, CA 94104

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How is the Wells Fargo SWIFT code used?

SWIFT codes, including Wells Fargo, used for a variety of transactions other than international fund transfers, including Single Euro Payments Area, or SEPA, payments, buying and selling securities, and sending corporate messages.

When you want to send an international transfer from Wells Fargo, you’ll need the following information:

  • Name and address of the person receiving the funds.
  • Name and address of the recipient’s bank.
  • The SWIFT code of the recipient’s bank.
  • Recipient’s bank account number.
  • International bank account number and international routing code, in some cases.
  • The purpose of the transaction.

In the event that you are going to receive an international money transfer in your Wells Fargo bank account, this is the information you will need to provide to the person sending the payment:

  • Your Wells Fargo bank account number, including leading zeros.
  • Your name, exactly as it appears on your statement.
  • The name of the bank.
  • The bank’s address.
  • The bank’s SWIFT code.

It is necessary to note that the bank will apply a charge for the transaction, whether it is outgoing or incoming.

  • Incoming international wire transfers, in US or foreign currency: $16.
  • Outgoing International Wire Transfers, in US or Foreign Currency: Disclosed at time of transaction.

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SWIFT Code and ABA Routing Number: What’s the Difference?

The SWIFT and ABA routing codes of your account Wells Fargo they are necessary to transfer and receive money. Although its purpose is almost the same, its way of working is somewhat different. Both codes function as bank identification, but differ from each other in the sense of their use. Below we explain the differences in detail.


The SWIFT code is used for transactions between banks around the world, but a bank must register with the system in order to use SWIFT services. The Society for Worldwide Interbank Telecommunications (SWIFT) handles all registrations. This code is kept as the Bank Identification Code (BIC) that gives details of the institution to which the electronic transaction is made. To communicate internationally, either through money or by any message, this code helps banks, although it can be used in both financial and non-financial institutions.

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ABA routing number

The routing number is used for the identification of the bank that depends on the Federal Reserve Bank and is typical of transactions within the United States, the electronic transfer of funds at the domestic level, and the verification of checks. The SWIFT code is international in scope, while the routing number is required only in the United States. The routing number is a 9-digit, easily accessible code that you can find at the bottom of a personal check. In the case of check verification, this routing number helps the banking authority to know the name of the bank of the check that has been presented to them.

Differences in bank transfers

For domestic transfers, the routing number of the receiving bank is needed, as well as the account number. Instead, SWIFT is only used for international transactions.

In a nutshell, the SWIFT system works from the international arena and as an identifier for banks globally, while the ABA routing number works nationally and gives an identification code for banks within the United States.

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