Fifth Third Bank Exchange Rates and International Transfers

Overview

Fifth Third Bank provides domestic and international wire transfers to eligible US customers. Its consumer help directs customers to a Fifth Third branch to set up a wire, while businesses can access broader online treasury and foreign-exchange services.

The standard consumer disclosure lists $50 for an outgoing foreign-currency international wire, $85 for an outgoing international wire in US dollars and $15 for an incoming wire. Fifth Third Preferred Checking waives outgoing domestic and foreign wire fees from 25 June 2026, and Private Bank accounts also receive wire-fee waivers.

Exchange rates, other-bank charges and taxes can still apply when the Fifth Third wire fee is waived.

Compare Fifth Third Bank exchange rates from US dollars.

Compare Fifth Third Bank exchange rates

Use the live comparison below to compare Fifth Third Bank with other available services for your transfer.

Best For

• Existing Fifth Third customers comfortable arranging a wire through a branch.
• Fifth Third Preferred Checking customers who qualify for outgoing-wire fee waivers.
• Private Bank customers with complimentary incoming and outgoing wires.
• Businesses using Fifth Third treasury or foreign-exchange tools.
• Customers receiving international wires into an eligible Fifth Third account.

Pros and Cons

Pros

• Both US-dollar and foreign-currency international wires are supported.
• Preferred Checking and Private Bank relationships can waive wire fees.
• Fifth Third publishes its SWIFT code, routing number and wire address.
• Business customers have dedicated international payment and FX capabilities.
• Foreign-currency wires have a lower standard fee than international USD wires.

Cons

• The standard fee for an international USD wire is $85.
• The standard foreign-currency outgoing wire fee is $50.
• Standard personal wire setup requires visiting a Fifth Third branch.
• Fifth Third does not publish one universal consumer FX markup.
• Other banks, exchange rates and taxes may add to the total cost.

Fees Summary

Fifth Third's current consumer disclosures list:

Beginning 25 June 2026, outgoing domestic and foreign wire fees are waived for Fifth Third Preferred Checking. Private Bank checking and savings disclosures waive incoming and outgoing wire fees. Exchange rates, other-bank charges and taxes may still apply.

Exchange Rates and Sending Process

Fifth Third does not publish a standard consumer markup percentage for every international wire. Ask the banker for the exchange rate, converted amount, bank fee and expected recipient amount before authorising the payment.

Sending in foreign currency has a lower standard wire fee than sending internationally in US dollars, but the best option depends on Fifth Third's FX rate and whether the recipient or an intermediary would otherwise convert the payment.

Fifth Third's consumer FAQ says customers should visit a branch to set up a wire. Business services can support USD international wires, same-currency foreign wires and FX wires through treasury channels.

Speed

Fifth Third does not publish one guaranteed delivery time for every consumer international wire. Timing depends on branch processing, cut-off times, destination, currency, intermediary banks and the recipient institution.

For an important payment, obtain the estimated availability date from the banker and allow extra time for compliance review, weekends and local holidays.

Receiving an International Wire

Fifth Third publishes SWIFT code FTBCUS3C, routing number 042000314 and wire address 38 Fountain Square Plaza, Cincinnati, Ohio 45263. Fifth Third does not have an IBAN.

Provide the sender with the exact account title and account number as well as the current bank instructions. An incoming wire normally costs $15 unless the customer's account provides a waiver.

Cards and Foreign Currency

Fifth Third's travel-currency page lists a 3% International Point of Sale and ATM Transaction Fee, a 0.20% currency-conversion fee and a $5 international ATM withdrawal fee for applicable debit transactions. Account and card terms can vary.

These card charges are separate from international-wire pricing. Some Fifth Third credit cards publish no international transaction fee, so customers should check the agreement for their exact card.

Safety and Market Scope

Fifth Third Bank, National Association is a member of the FDIC. Its US retail bank is distinct from Fifth Third Bank's Canadian branch and its separate commercial arrangements.

Verify wire instructions independently before sending. A fee waiver or FDIC membership does not protect an authorised payment sent to a fraudulent recipient.

Verdict

Fifth Third international wires can be practical for existing customers who prefer branch assistance, particularly Preferred Checking and Private Bank customers whose wire fees are waived.

For standard accounts, the $50 foreign-currency fee and $85 international USD fee make comparison worthwhile. Check Fifth Third's conversion rate and expected recipient amount because the wire fee alone does not represent the total cost.

Frequently Asked Questions

Can a personal customer send a Fifth Third international wire online?

Fifth Third's consumer FAQ directs customers to visit a financial institution or Fifth Third branch to set up a wire. Business treasury services have additional digital capabilities.

What is Fifth Third Bank's SWIFT code?

Fifth Third publishes FTBCUS3C for international wires. It does not use an IBAN.

Does Fifth Third waive outgoing international wire fees?

Fifth Third says Preferred Checking waives outgoing domestic and foreign wire fees from 25 June 2026. Private Bank accounts also publish complimentary incoming and outgoing wires. Other costs can still apply.

Methodology and Sources

This review was checked against Fifth Third's current consumer FAQ, 2026 welcome kit, account disclosures and foreign-currency service information on 14 July 2026.

Primary sources:

• Fifth Third customer service and wire FAQs
• Fifth Third consumer welcome kit
• Fifth Third foreign currency exchange
• Fifth Third Private Bank disclosures
• Fifth Third global treasury services

Affiliate Disclosure

BestExchangeRates may receive compensation from some services displayed in comparison results. This does not change the rate or fee charged to you. Fifth Third Bank is included for comparison and is not represented as an affiliate partner in this review.

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.