A checklist of exactly what information you need to send a domestic or international wire transfer, including routing numbers, SWIFT codes, and IBANs.
Wire transfers move quickly and are difficult to reverse, so banks require specific, accurate details before processing one. Missing or incorrect information is the most common reason a wire is delayed or sent to the wrong account.
For a Domestic Wire
• Recipient’s full legal name
• Recipient’s bank account number
• Recipient’s bank routing number
• Recipient’s bank name and address
• Transfer amount and, sometimes, the purpose of payment
For an International Wire
• Everything above, plus:
• SWIFT/BIC code for the recipient’s bank
• IBAN, required in many countries
• Recipient’s full address, including country
• Intermediary bank details, if needed
• Currency the funds should be sent in
Why Accuracy Matters
Because wires settle quickly and are generally irrevocable, a single wrong digit can send funds to the wrong account. Always confirm banking details directly with the recipient through a trusted channel, not just an email invoice, which is a common target for wire fraud.
Kavodax lets you send cross-border payments by entering just an amount and recipient, no SWIFT codes or wallets required. See how it works.