Bank of America Exchange Rates, Travel Money and Transfers
Bank of America customers can order foreign currency cash or send international wires. Cash orders use daily retail rates and tiered delivery fees; foreign-currency wires have no outbound wire fee.
Overview
Bank of America customers with an eligible checking or savings account can order foreign currency cash through Online Banking or the Mobile Banking app. The bank publishes separate daily rates for buying foreign notes and returning unused notes. It does not charge a separate online order fee, but earns money through the spread included in its retail exchange rate.
Customers can also send domestic and international wires through Online Banking and the Mobile Banking app. Bank of America advertises international wires in more than 140 currencies to over 200 countries.
Pricing depends on the currency selected. An international wire sent in foreign currency has no outbound wire fee, while an international wire sent in US dollars costs $45. Bank of America states that its foreign-currency exchange rate includes a markup and that it earns money from the conversion.
Both services are convenient for existing US customers, but a low or zero visible fee does not mean there is no currency-conversion cost. Compare the foreign cash received or final wire-recipient amount after the exchange rate and every applicable fee.
Compare Bank of America exchange rates from US dollars or use the Bank of America travel money hub for foreign-cash rates and ordering details.
Compare Bank of America transfer rates
Use the live comparison below to compare Bank of America with other available services for your transfer.
Foreign Currency Cash Orders
Online foreign-currency orders have a USD $100 minimum. A customer can order up to USD $10,000 over 30 days, whether in one transaction or several. Orders of USD $1,000 or more must be collected from a Bank of America financial center; smaller eligible orders can be delivered to the account address or collected.
Standard delivery costs USD $7.50 when the order is below USD $1,000 and is free from USD $1,000. Optional overnight delivery costs USD $20 regardless of the order amount. Qualifying BofA Rewards clients may receive free standard delivery and a discount of up to 2% from the published exchange rate, depending on tier.
The available currencies and denominations can change. Bank of America supplies banknotes rather than foreign coins, and cash transactions are rounded to available note denominations.
Compare Bank of America foreign cash rates
Use the live table to compare a USD $500 Bank of America euro cash order with other available travel-money options. Change the amount or currency for your trip and check the rate timestamp before ordering.
Best For
- Existing Bank of America customers who want to send through their bank app or Online Banking.
- Checking or savings customers who want to order foreign notes before travelling.
- Customers who can use standard delivery or collect an order from a financial center.
- Customers sending a supported foreign currency to an overseas bank account.
- Senders who value broad country and currency coverage.
- People receiving an international wire into a Bank of America account.
- Customers who want to track the wire through Pay & Transfer activity.
Pros and Cons
Pros
- More than 140 sending currencies and over 200 destination countries are advertised.
- No Bank of America outbound wire fee when an international wire is sent in foreign currency.
- The app and Online Banking support both sending and status tracking.
- Separate SWIFT instructions are published for incoming US-dollar and foreign-currency wires.
- Remittance-transfer disclosures show applicable fees and exchange-rate information before submission.
- Daily foreign-cash purchase and return rates are published before an order or exchange.
- Standard cash-order delivery is free from USD $1,000.
Cons
- The foreign-currency exchange rate includes a markup set by Bank of America.
- International wires sent in US dollars cost $45 under the standard personal schedule.
- Incoming international wires may cost $15, depending on account and rewards eligibility.
- Recipient banks, agent banks, foreign taxes and other parties may add charges.
- Limits depend on customer type and channel.
- Foreign-cash orders are restricted to Bank of America customers and supported banknotes.
- Standard delivery costs USD $7.50 below USD $1,000, unless an eligible Rewards benefit waives it.
- The retail cash rate includes a spread and can differ from wire, card and wholesale rates.
Fees Summary
Bank of America's current consumer wire information lists these standard fees:
| Wire type | Bank of America fee |
|---|---|
| International outgoing wire in foreign currency | $0 wire fee; exchange-rate markup applies |
| International outgoing wire in US dollars | $45 |
| International incoming wire | $15, with possible relationship waivers |
| Domestic outgoing wire | $30 |
Bank of America determines its exchange rate at its discretion and includes currency-conversion markups in that rate. It does not publish one universal markup percentage for every route, amount or customer.
Foreign-currency cash has separate fulfilment charges:
| Cash-order delivery | Standard fee |
|---|---|
| Standard delivery below USD $1,000 | USD $7.50 |
| Standard delivery from USD $1,000 | $0 |
| Optional overnight delivery | USD $20 |
For international wires, other charges can include recipient-bank fees, agent-bank fees and foreign taxes. Review the transfer disclosure and compare the expected recipient amount rather than judging the transfer by the wire fee alone.
Exchange Rates and Sending Process
To send, customers sign in to Online Banking or the mobile app, select Pay & Transfer, and enter the recipient and bank details. Security verification may require a debit-card number and PIN with a US mobile number, or a compatible security key.
For an eligible consumer remittance, Bank of America provides the exchange rate, its fees, certain agent-bank fees and the expected recipient amount before confirmation. If the bank cannot determine required agent fees, it may be unable to process a US-dollar request; sending in the destination currency may provide a more complete quote.
Speed
Bank of America says international incoming wires are typically credited in one to two business days. Outgoing delivery depends on the destination, currency, cut-off time, intermediary institutions and recipient bank.
The authenticated transfer flow provides an estimated availability date. Treat that as an estimate rather than a guarantee, particularly around weekends, holidays and compliance reviews.
Receiving an International Wire
For an incoming wire in US dollars or an unknown currency, Bank of America publishes SWIFT code BOFAUS3N. For an incoming wire in foreign currency, it publishes BOFAUS6S.
The domestic wire routing number is 026009593. Customers should provide their exact account information and use the corresponding address in Bank of America's current instructions. Incoming foreign currency may be converted to US dollars at the bank's applicable rate.
Safety and Eligibility
Bank of America, N.A. is a member of the FDIC. Deposit insurance does not protect an authorised payment sent to a scammer, and completed wires can be difficult to reverse.
Confirm recipient instructions independently, especially when bank details change. Country restrictions and account-specific limits apply even when a currency appears in the general coverage list.
Verdict
Bank of America offers a strong combination of digital convenience and broad international coverage for existing US customers. Sending in foreign currency avoids the outbound wire fee and may make third-party charges easier to disclose.
For travellers, ordering cash in advance can be convenient when arrival expenses or the destination require banknotes. The published cash rate and delivery fee should still be compared with alternative cash suppliers and suitable card or ATM options.
The exchange rate remains central to both products. Because Bank of America includes a markup without publishing one standard percentage, compare the final cash or recipient amount before committing.
Frequently Asked Questions
Is a Bank of America foreign-currency wire free?
There is currently no outbound wire fee, but the exchange rate includes a markup and third parties may impose charges. The transfer is therefore not necessarily cost-free.
Does Bank of America charge a fee to order foreign currency?
There is no separate online currency-order fee. Standard delivery costs USD $7.50 below USD $1,000 and is free from USD $1,000. Optional overnight delivery costs USD $20. The exchange rate also includes Bank of America's spread.
Can anyone order Bank of America foreign currency?
Online and mobile ordering requires an eligible Bank of America checking or savings account. Other channel and account restrictions can apply, and only supported foreign banknotes are available.
Can Bank of America exchange unused foreign cash?
Bank of America account holders can exchange supported foreign banknotes for US dollars at a full-service financial center. Foreign coins are not accepted, and the return rate can differ from the original purchase rate.
Which SWIFT code should an international sender use?
Use BOFAUS3N for US dollars or an unknown currency and BOFAUS6S for foreign currency, together with the account details and address specified by Bank of America.
How long does an international wire take?
Bank of America says international incoming wires are typically credited in one to two business days. Outgoing delivery varies and the estimated date is shown during setup.
Methodology and Sources
This review was checked against Bank of America's current foreign-currency ordering pages, daily cash-rate information, wire-transfer page, fee information and Online Banking service agreement on 11 August 2026.
Primary sources:
- Bank of America foreign currency exchange
- Bank of America foreign currency ordering FAQs
- Bank of America foreign currency rates
- Bank of America wire transfers
- Online Banking service agreement
- Bank of America wire-transfer guide
- Bank of America CRA public file and fee schedules
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Disclaimer: Please note any provider recommendations, currency forecasts or any opinions of our authors should not be taken as a reference to buy or sell any financial product.