Send or receive money with wires

Schedule a wire transfer in

To get instructions on how to wire funds to Wealthfront:

1. Log in to your account on our website (not our app)
2. Select Transfer money, then Deposit
3. Select Use same-day wire.

Wires must come from a domestic bank account that is registered in the same name as your Wealthfront account.

As a reminder, do not use the Green Dot routing and account numbers found in the Manage section of your Individual Cash Account page. Those numbers can only be used for ACH transfers.

How much does it cost to receive a wire?

There’s no charge for incoming wire transfers, but the sending institution may charge a fee. To determine the wire fee, contact your other institution.

Note: Wealthfront does not reimburse fees charged by other institutions.

Can I receive a wire from an institution outside of the US?

No. Wires must come from a domestic bank account that is registered in the same name as your Wealthfront account.

We do not have a SWIFT/BIC Code or IBAN/account number as we only support ACH and wire transfers to and from US institutions.

When can I expect my wire to arrive?

Wire deposits are typically received on the same day that your bank initiates the wire.

Schedule a wire transfer out

Note: We currently only support wires out of Individual, Joint, and Trust Cash Accounts. 

To send a wire:

1. Log in. Select Transfer money, then Send a wire. Next, select your account.
2. Enter your wire details:
   • From (Cash Accounts)
   • To (an account in your name, the name of someone else on the account, the name of the trust, or a title or escrow company for home purchases in the name of someone on the account or in the name of the trust)
   • Amount (no amount limit)
   • Recipient and their address (must be in the US)
   • Memo (an optional note to attach to your wire)
   • Bank details (must be in the US)
3. Confirm and schedule your wire.

Can I wire funds from my Investment Accounts?

No, we only support wires out of Individual, Joint, and Trust Cash Accounts at this time. 

How much does it cost to send a wire?

Wires are free to send!

The receiving institution may charge a fee to receive a wire. Contact your receiving institution to determine if an incoming wire fee will apply. 

How much can I wire from my account?

You can wire as much as you'd like as long as the funds are available to send.

Who can I wire funds to?

You can wire funds to an account in your name, the name of someone else on the account, the name of the trust, or a title or escrow company for home purchases in the name of someone on the account or in the name of your trust account.

We don't support wires to third parties, so you won't be able to wire funds to a family member or friend, business account, or to a business like a car dealership.

We are also unable to support wires to Wise, Kraken/Payward Interactive, or Coinbase.

Can I wire funds to a brokerage account?

You can wire funds to a brokerage account in your name.

Brokerage firms typically utilize intermediary banks and require "For the benefit of" or "For final credit to" instructions.

Please make sure to include this information in the Memo section of your request when requesting your wire transfer.

Can I send a wire outside of the US?

No, you can only send wires to US addresses.

When will my wire be received?

Funds typically arrive same-day if submitted and approved before 4:30pm ET. Wires submitted and approved after will usually arrive the next business day.

Wires are sent by 6:00pm ET and should arrive 1-2 hours after that. Unfortunately, wires cannot be expedited to arrive earlier. 

Note: Some wires may take longer if we require additional information for security reasons.

Fed Reference Number

Once a wire is sent, clients will receive an email that includes the Fed Reference Number. The receiving institution can use this number to track the wire.

Cancel an outgoing wire

You can cancel a wire as long as it hasn’t been sent. Please follow these instructions to cancel a transfer.

I didn't receive my wire out

It's common for institutions to have different routing numbers for different transfer types (i.e. ACH vs. wire transfer). When sending a wire, you should always consult with the receiving institution first and confirm that you are using the correct routing and account number for domestic wire transfers.

It's also common for institutions to have cutoff times for receiving wires same-day. If you used the correct routing and account numbers to send a wire but it hasn't yet been received, please reach out to the receiving institution to find out when they expect the funds to be available to you.

Need additional help?

If you scheduled a wire but need help please email us at support@wealthfront.com