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Transfers

Wire transfers

Transfer money to your trusted contacts around the globe with no hidden fees

Choose to send money in almost any currency to contacts you trust around the globe.1 Also receive money from other financial institutions at no charge from UNFCU.

How to send an outgoing wire transfer

Send a wire transfer

  1. Sign in to Digital Banking.

    You can also meet with us in person at a branch or representative office to initiate a transfer.

  2. Under Transfers & Payments, select Wires & ACH.

  3. Select Send Money.

    Depending on the destination, your money can be sent as a wire transfer, an ACH transfer, or a mobile money transfer. Our system will help you decide.

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Required recipient information for a wire transfer

For each recipient, you will need to provide their:

  • Bank account number, or International Bank Account Number (IBAN) if applicable for the destination country. The IBAN is an international standard for identifying bank accounts. It improves the speed and accuracy of your payment transactions.
  • Full name as it appears on their account
  • Mailing address
  • Bank information
    • For most cross-border transfers, provide the SWIFT code or BIC. Please check with the recipient’s bank.
    • For USD transfers within the US and its territories, provide the ABA routing number, bank name, and address.

When sending money to an account outside of the US, make sure the receiving account can accept the currency that you are sending. Otherwise, the recipient’s bank may convert the money to their local currency and apply a fee.


How to receive an incoming wire transfer

To receive money in your UNFCU account from another financial institution, provide the following information to the sender: 

  • UNFCU’s ABA number: 226078609
    • If the financial institution sending the money requires a SWIFT code or BIC:
      • UNFCU does not have a SWIFT code because UNFCU is not directly connected to the SWIFT network.
      • UNFCU's registered BIC is UNUNUS31. This code can be used for identification purposes only. Payments with only a BIC will not be delivered to UNFCU.
  • Your full name
  • Your UNFCU account number without dashes or spaces (you do not need to provide your member number)
  • The purpose of the wire
  • UNFCU’s address:
    • Court Square Place, 24–01 44th Road, Long Island City, NY 11101 USA

UNFCU does not charge for money you receive via incoming wire transfers. UNFCU's ABA number and your account number must be included for UNFCU to receive the transfer.

If you want to send euros to be deposited to your UNFCU account in USD, a foreign currency transfer may be a faster and more cost-effective option.

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Quick tip

UNFCU only accepts deposits in USD. Any transfers sent in another currency must be converted to USD. The conversion will be done either by the financial institution sending the money, or by their partners involved in the transfer. They may apply a fee for the conversion.


Top wire transfer FAQs

UNFCU does not have a SWIFT code because UNFCU is not directly connected to the SWIFT network. UNFCU’s registered BIC is UNUNUS31. This code can be used for identification purposes only. Payments with only a BIC will not be delivered to UNFCU. 

UNFCU does not charge for money you receive via incoming wire transfers. UNFCU’s ABA number and your account number must be included for UNFCU to receive the transfer. 

The sending institution will select the US correspondent bank of their choosing. UNFCU can receive funds from any institution in the US that is a member of the Federal Reserve Wire Network.

All incoming wire transfers are converted to USD before reaching UNFCU, and ultimately a member's account.

You can schedule transfers up to one year in advance.

If your wire or ACH transfer instructions were submitted via Digital Banking, check the status. Under Transfers & Payments, select Wires & ACH. If it indicates that the transfer was processed, you can select the Receipt button to view your payment instructions. An advice with all the details of your wire transfer will be available at the end of the business day.

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More ways to transfer

Discover more options to fit your country, currency, speed, and cost needs.