The PNC wire transfer form authorizes PNC to move funds from your account to a recipient at another bank, either inside the U.S. or abroad. You can submit it two ways: through PNC Online Banking, or on paper at a branch with a banker’s help. Before you start either version, gather the recipient’s details in full. A single wrong digit in an account or routing number is the most common reason wires get delayed or returned.
What to Gather Before You Start
You’ll need your PNC account number and which account (checking or savings) you want debited. What you need about the recipient depends on where the money is going.
Domestic Wires
For a wire to another U.S. bank, collect four things:
- The recipient’s full name exactly as it appears on the receiving account (person or business).
- The recipient’s physical address.
- The nine-digit ABA routing number for the recipient’s bank. This is not your PNC routing number.
- The recipient’s account number at that bank.
If someone is wiring money into your PNC account instead, PNC’s wire routing number is 043000096.1PNC Bank. Find Your Full Account and Routing Numbers
International Wires
International transfers use different identifiers. You’ll need either an International Bank Account Number (IBAN) or the recipient’s account number paired with a SWIFT code (also called a routing BIC) that identifies the foreign bank and branch.2PNC Bank. PNC Wire Transfers: Domestic and International Options European banks almost always require an IBAN; banks in many other regions use the SWIFT code with an account number. When in doubt, ask the recipient for both.
You’ll also choose whether to send in U.S. dollars or the recipient’s local currency. PNC charges different fees for each, and the exchange rate applied when you send in foreign currency affects the total cost.
Submitting the Form Online
Online Banking is the fastest path and the cheaper one. The steps:3PNC Bank. Small Business Wire Transfers: Fast and Secure Options
- Sign on to PNC Online Banking.
- Select Pay and Transfer.
- Select Wires and International Transfers.
- Choose Send a Domestic Wire or the international option. First-time users accept PNC’s terms and conditions here.
- Enter the recipient’s information and the transfer amount, then select Submit.
- Verify your identity. PNC typically sends a one-time passcode to your registered mobile device.
The submission creates an electronic record in your account activity. Save or screenshot the confirmation number. You’ll need it if anything goes wrong.
Submitting at a Branch
To submit on paper, walk into any PNC branch with a valid government-issued photo ID. A banker gives you the paper wire transfer request form. You fill in the same recipient details listed above, the banker enters everything into PNC’s system, and you leave with a printed receipt and a confirmation number. Keep the receipt.
In-branch submissions are labeled “agent-assisted” on PNC’s fee schedule and cost more than self-service online wires. The branch is worth the extra fee when you’re sending a large amount and want a banker verifying the details, or when you’d rather not use the online portal.
What It Costs
Fees depend on direction, destination, and how you submit:4PNC Bank. Consumer Schedule of Service Charges and Fees
- Outgoing domestic, self-service online: $25
- Outgoing domestic, agent-assisted at a branch: $30
- Incoming domestic: $15
- Outgoing international, self-service, sent in USD: $40
- Outgoing international, self-service, sent in foreign currency: $5
- Outgoing international, agent-assisted: $50
- Incoming international: $15
Performance Select checking holders pay nothing for domestic wires: incoming, outgoing self-service, and outgoing agent-assisted are all waived.5PNC Bank. PNC Virtual Wallet with Performance Select Features and Fees
When the Money Arrives
PNC processes properly authorized wires received during business hours, weekdays from 8:30 AM to 6:00 PM Eastern Time, on the same business day.6PNC Bank. Self-Service Wire and Money Transfer Agreement Submissions after 6:00 PM ET, on weekends, or on holidays queue for the next business day.
Domestic wires between U.S. banks generally arrive within 24 hours, sometimes within a few hours.7PNC Bank. What Is a Wire Transfer and How Does It Work? International wires typically deliver within one business day, though PNC may flag a transfer for review, incorrect recipient information can hold things up, and the foreign bank’s own processing adds time.8PNC Bank. International Money Transfers: Send Money to Latin America
Canceling After You Submit
For international remittance transfers, federal law gives you a 30-minute window to cancel after payment, provided the recipient hasn’t already picked up or received the funds.9Consumer Financial Protection Bureau. 12 CFR 1005.34 Procedures for Cancellation and Refund of Remittance Transfers The cancellation request must identify your name, address or phone number, and the specific transfer. If you cancel in time, PNC has to refund you within three business days.
If you scheduled the transfer at least three business days in advance, you can cancel up until three business days before the scheduled send date.10eCFR. 12 CFR 1005.36 – Transfers Scheduled Before the Date of Transfer
Domestic wires do not carry the same federal cancellation right. Once a domestic wire is processed, getting the money back depends on the receiving bank’s cooperation, which is never guaranteed. That makes verification before you submit the whole ballgame.
Verify Before You Send
Because wires are hard to reverse, they’re the payment method of choice for fraud. The FTC flags several patterns worth knowing about:11Federal Trade Commission. What To Know Before You Wire Money rental listings that demand a wired deposit sight unseen, fake-check schemes where you’re asked to wire back a portion of a deposit that later bounces, callers impersonating a relative in urgent need, and online romantic contacts who eventually ask for wired funds.
Three red flags carry most of the weight: anyone insisting a wire is the only acceptable payment, anyone pressuring you to send immediately, and anyone you haven’t met in person asking for wired money. If a real estate agent, attorney, or title company emails you wire instructions, call them at a number you already had on file, not the one in the email, and read back the routing and account numbers by voice. Business email compromise schemes that hijack legitimate closing instructions are common, and one phone call can prevent a six-figure loss.