PNC Bank money transfers review December 2018 |

PNC Bank online money transfers review

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It isn’t your cheapest option for international transfers, but online transfers within the US are free.

With the growing number of money transfer services, PNC Bank’s throwing a hat in the ring. Through Zelle and PopMoney, PNC Bank customers can make fast and free domestic transfers on their desktop or mobile phone. However, international transfers take longer, sent through ACH payments and can cost up to $45 — expensive for a money transfer service.

Product NamePNC Bank online money transfers
Max. Transfer AmountNo limit
Transfer Methods
Online, Phone, Agent, , ...
Transfer Options
Transfer Speed
Minimum transfer time
3 - 5 days
Customer Service
Phone, Email, Branch
Available CurrenciesAUD, BRL, CAD, CNY, EUR, GBP, INR, JPY, KRW, MXN, USD
Online Transfer Fee$0

What is PNC Bank?

Among top US banks, PNC Bank is ranked eighth in assets and tenth in market capitalization. It offers retail banking, asset management and corporate and institutional banking services, and it counts over two-thirds of the Fortune 500 on its client list. Its network of 2,600 branches and 9,000 ATMs are spread across 19 states and Washington, DC.

PNC Bank also owns 22% of BlackRock, one of the country’s largest publicly traded investment management firms and the world’s largest in terms of managed assets.

What other products does PNC Bank offer?

PNC Bank is a full-service financial institution offering individuals and businesses a full range of services that include:

  • Retail banking. Choose from personal savings and checking accounts with minimal deposit requirements.
  • Credit, debit and prepaid cards. Find a wide array of credit cards offering low rates, cash back and other perks.
  • Home, auto and personal loans. Get financing to buy or refinance your home, buy a car or pay for your education at attractive interest rates.
  • Investment and retirement. PNC Investments guides you in how to get started investing, manages existing investments and helps you plan for retirement through brokerage accounts, insurance, stocks, bonds and IRAs.
  • Wealth management. Take advantage of private banking, investments management and trust and estate services to stay on the path to financial freedom.
  • Business banking. Find business accounts, point-of-sale payment solutions, business cards, lending options and lines of credit, foreign exchange services and other small business banking services. Receive and send transfers in US dollars and foreign currency through Pinacle.

How are PNC Bank’s exchange rates?

PNC Bank’s exchange rates compare favorably with other banks. Generally, exchange rates fluctuate based on the market and the currency you’re using. However, you might find foreign exchange brokers charge lower fees than banks.

How much will I pay to send money with PNC Bank?

How much you pay for your transfer depends on if you’re sending money through a wire transfer or through online or mobile apps.

Transfers in US dollars via the online and mobile apps, are free. However, international money transfers cost a fixed $15 fee for incoming and $45 for outgoing — regardless of how much you’re sending. Domestic wire transfers cost a fixed $15 fee for incoming and $30 for outgoing. You’ll pay an additional $3 fee for staff-assisted transfers by phone.

These rates compare favorably with other US banks. For example, Chase charges $40 for outgoing transfers and $15 for incoming transfers from other countries.

Minimum transfer amounts and available countries

Minimum transfer amounts may vary by location. Generally, incoming and outgoing domestic transfers don’t come with a minimum. The same is true for incoming wire transfers from other countries. However, outgoing wire transfers to other countries must be at least $100.

What types of transfers does PNC Bank support?

PNC Bank offers domestic and international wire transfers, as well as online money transfers via its online and mobile banking apps. With PNC, you can send money to your other accounts for free. One-off transfers and regular money transfers are also available.

Based on federal regulations, there’s a limit of six outgoing transfers per month from PNC Bank savings accounts. You might be charged a fee if you exceed this limit.

How do I send money through PNC Bank?

PNC Bank offers multiple ways to send money, including online, mobile and ACH. You must have a checking or savings account to send money.

Domestic mobile

Using the Zelle payment platform, use your mobile phone to make domestic transfers. Download the PNC app, and enter the recipient’s email address or mobile number, and the amount you’d like to transfer. The recipient doesn’t have to have a PNC Bank account. Transfers between Zelle accounts take minutes. If your recipient doesn’t have a Zelle account the transfer can take one to three days.

Domestic online

PNC Bank uses PopMoney for its domestic online transfers. Like Zelle, simply enter your recipient’s email address or mobile number. Transfers take minutes if your money is bound for another Popmoney account. Otherwise, it could take longer.


Visit your local branch for international wire transfers. For typical one-off or scheduled transfers, you’ll need the full name and contact information of your recipient and their banking details, including the bank name, SWIFT code and account number.

The time of day you make your transfer matters to your exchange rate. Because exchange rates change daily, transfers made after the daily cutoff could be applied to the next day, giving you an exchange rate you didn’t expect.

How do I track my PNC Bank transfer?

Track your money transfer transactions via the bank’s mobile banking and Virtual Wallet apps, or through the online banking app. Follow up on your international delivery by calling the branch where you made the transaction.

What to look out for

When you make international transfers, remember that exchange rates fluctuate based on the markets. So you may get different rates depending on where and when you’re sending your money. Its rates are on par for other banks, but you can find lower rates through other money transfer services.

International payments can take between three and five business days — about average for most banks.

Benefits and drawbacks


  • Easy to use mobile app. Initiate a transfer through Zelle in minutes using just your recipient’s email address or mobile number.
  • Free and quick domestic transfers. Make a transfer in minutes online or through its app for free.
  • Transfer limits. Send as little or as much as you’d like for domestic transfers. Outgoing international wire transfers must be at least $100.


  • Lower exchange rate. You might not get the best deal on your exchange rate compared to other money transfer companies like OFX.
  • Expensive international transfer. Expect to pay fees as high as $45 for international transfers.
  • Need a PNC bank account. You need a PNC Bank savings or checking account to make a transfer.

How safe is PNC Bank?

PNC Bank protects your personal and financial information with layers of technology and encryption. It monitors for fraud, and alerts you if there is abnormal activity on your account.

Since PNC Bank is on the top 10 list of US banks, it is generally seen as a reputable bank. However, online reviews of PNC Bank are not positive. It’s not accredited with the Better Business Bureau and earns a staggering D rating. As of July 2018, almost all of its 125 customer reviews are negative, with people complaining of virtually nonexistent customer service, shady business practices and poor service overall.

Next steps

To make a domestic mobile transfer, make sure you have your recipient’s email address or mobile number. For international transfers, visit your local bank and have the recipient’s personal and bank information, including bank name, SWIFT code and account number.

Visit your local branch for international wire transfers. For typical one-off or scheduled transfers, you’ll need Once you initiate the transfer, you can sign in to the PNC Bank online or mobile apps to see the progress of your money to delivery. Call 888-PNC-Bank, visit your local branch or tweet @PNCBank_Help for help.

How does PNC Bank compare to other services?

I want to send


Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 0 3 - 5 days USD 0.00 0.876 EUR 4,381 Transfer up to $500,000 with no minimums and no fees. Go to site Show details
USD 1,000 1 day USD 0.00 0.876 EUR 4,379 No maximum limit, no fees and competitive exchange rates for 100+ currencies. Go to site Show details
USD 1 1 - 2 days USD 7.00 0.877 EUR
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
USD 1 Within an hour USD 3.99 0.875 EUR 4,371 Use promo code FINDER to send your first transfer with no fee.
Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.
Go to site Show details
1 - 2 days USD 0.00 0.874 EUR 4,370 Get live quotes on exchange rates and take advantage of no transaction fees with no limits on transfers. Go to site Show details
1 - 2 days - - RemitMoney specializes in transfers to India, offering 24/7 customer support and easy tracking. Show details

Compare up to 4 providers

Bottom line

PNC Bank is best for domestic mobile transfers, with free and quick transfers between accounts using Zelle. However, the fees for international transfers are high, and you have to visit a branch to initiate a transfer. You can get a better deal and quicker transfer with other online money transfer companies. Before you choose how you’ll make your next transfer, compare your options with our guide to international money transfers.

Frequently asked questions

Adrienne Fuller

Adrienne Fuller leads the publishing team at She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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Important Information*
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2 Responses

  1. Default Gravatar
    KimberlyNovember 19, 2018

    I have Afghanistan Money it’s a $1000 bill can your bank exchange it into US Currency?

    • finder Customer Care
      AshNovember 20, 2018Staff

      Hi Kimberly,

      Thank you for reaching out to us.

      You may visit the nearest PNC Bank to you to inquire if you can exchange the 1,000 Afghan Afghani to US Dollars. There may be a fee that you need to pay for the currency exchange.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions that you need our help with.


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