payments & transfers – mobile banking Send a domestic wire transfer

Wire transfers1 are a quick way to send money domestically or internationally. While you can do both in Mobile Banking2 and Online Banking, this guided demo will focus on wire transfers sent to domestic recipients in Mobile Banking.

For more information, visit our Wire Transfers page.

Screens simulated for illustrative purposes only. Actual experience may differ.

Step 1

Log in to our Mobile Banking app.

Before you get started, first gather the recipient's information:

  • Recipient name and address
  • Wire routing number
  • Bank account number
  • Account type
  • If you're not enrolled in Secured Transfer, you'll also need your debit card number and PIN.

Need the Mobile Banking app? Start here >

Screenshot of Bank of America Mobile App, Log-in screen, with the User ID field for the log-in form highlighted.

Step 2

Select Pay & Transfer to get started.

Screenshot of Bank of America Mobile App, Accounts screen, with the Pay and Transfer button in the navigation highlighted.

Step 3

Tap Wire.

Screenshot of Bank of America Mobile App, Pay and Transfer screen, with the Wire button highlighted.

Step 4

If you have both banking and investing accounts, select the account you want to send the wire from.

Screenshot of Bank of America Mobile App, "Wire money from" screen, with a Bank of America account highlighted.

Step 5

Tap Start a wire to initiate your wire transfer.

Helpful tip! Click More next to the lightbulb to see what you’ll need to send a wire.

Screenshot of Bank of America Mobile App, Wire screen, with the Start a wire button highlighted.

Step 6

If you're sending money to a recipient for the first time, you'll need to add their account. Tap Add new recipient. If you're sending to an existing recipient, select your recipient. Proceed to step 13.

Screenshot of Bank of America Mobile App, Wire details screen, with Add a new recipient highlighted.

Step 7

For a domestic recipient, including recipients in U.S. territories, tap United States. Then tap Next. Reminder, this demonstration focuses on Domestic Wire Transfers. For International Wire Transfers, navigate here.

Screenshot of Bank of America Mobile App, "Where is account located" screen, with United States highlighted.

Step 8

Select Recipient account type, then tap Next.

Screenshot of Bank of America Mobile App, account type screen, with Next button highlighted.

Step 9

Add Recipient’s information. To choose state, select from the menu. Once all details are entered, tap Next.

Screenshot of Bank of America Mobile App, recipient information screen, with Next button highlighted.

Step 10

Add Recipient’s account details and routing number — be sure to enter the receiving bank’s wire routing number. Tap Next.

Screenshot of Bank of America Mobile App, recipient account details screen, with Next button highlighted.

Step 11

Confirm the details for your recipient. Be sure to scroll down to review all details. Tap Add.

Screenshot of Bank of America Mobile App, recipient details confirmation screen, with Add button highlighted.

Step 12

Review the important scam reminder and tap OK.

Helpful tip! Always read warning messages. If you’re told to ignore them, it could be a scammer trying to steal your money.

Screenshot of Bank of America Mobile App, scam reminder screen, with OK button highlighted.

Step 13

Now that your domestic recipient has been added, tap Choose account to select the account from which you want to transfer money.

Screenshot of Bank of America Mobile App, Wire details screen, with Choose account highlighted.

Step 14

Select your "wire from" account for the transfer. Tap Next.

Screenshot of Bank of America Mobile App, "Wire money from" screen, with Next button highlighted.

Step 15

Tap enter amount, then enter the amount you want to send. Tap Next.

Screenshot of Bank of America Mobile App, Wire details screen with keypad for entering amount, with Next button highlighted.

Step 16

Scroll down to review the total cost for the wire transfer, including wire fee. Add optional notes for the recipient’s bank if desired. Tap Next.

Screenshot of Bank of America Mobile App, Wire details screen showing total cost for the transfer, with Next button highlighted.

Step 17

If you haven't already, you may be required to enroll in Secured Transfer to send your wire. To get started, add your U.S. mobile number and tap Next.

Note: If you're already enrolled in Secured Transfer, you may be prompted to request an Authorization Code when your transfer exceeds a certain amount.

Screenshot of Bank of America Mobile App, Secured Transfer enrollment screen, with Next button highlighted.

Step 18

You'll receive a text message with an Authorization Code to complete enrollment. Enter your Authorization Code, then add your ATM/debit card details. Tap Add Number to complete the enrollment.

Security Tip! Never share this code with anyone — we'll never call or text you asking for a code.

Screenshot of Bank of America Mobile App, Authorization Code screen, with Add Number button highlighted.

Step 19

You will receive confirmation that your mobile number is enrolled. Tap Continue to proceed with your domestic wire transfer.

Screenshot of Bank of America Mobile App, enrollment confirmation screen, with Continue button highlighted.

Step 20

Before sending the wire transfer, review the wire details. Be sure to expand the fields and scroll down the screen to confirm all details. Tap Edit at the bottom of the screen if you need to modify any details. After you've confirmed all details are correct, tap the circle to authorize the payment. Then tap Send to submit the wire transfer.

Screenshot of Bank of America Mobile App, "Review wire details" screen, with Send button highlighted.

Step 21

You'll see a confirmation that your Wire Transfer has been submitted. Tap Share to save and share a receipt. Tap Done to exit the Wires screen. You'll receive email confirmation.

Note: Domestic wire transfers are typically received the same business day if sent before 5 p.m. ET.

Screenshot of Bank of America Mobile App, wire confirmation screen, with Done button highlighted.

Step 22

Your wire transfer will appear in the Activity screen where you can view status and details.

Screenshot of Bank of America Mobile App, Activity screen, with transfer highlighted.

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