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PNC Bank online money transfers review

PNC Bank wire transfers aren't your cheapest option for sending money internationally, 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, are sent through ACH payments and can cost up to $45 – expensive for a money transfer service. If you want to see what other services send money overseas, check out this table and compare cheaper options.

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PNC Bank requires that customers visit local bank branches to initiate wire transfers, which is far less convenient than many alternative money transfer options.

How do I send money through PNC Bank?

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

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.

PNC Bank international wire transfer

To send an international wire transfer with PNC Bank, you’ll need to physically visit a PNC Bank branch location.

  1. Visit your local PNC Bank branch in person.
  2. Ask for the Wire Transfer Request form, or tell a PNC Bank employee you want to wire money internationally.
  3. Fill out the Wire Transfer Request form, or have a PNC Bank teller help you fill it out.
  4. Give the Wire Transfer Request form to a PNC Bank teller and confirm you have the funds available to make the transfer.
  5. Collect receipts and transfer delivery information. Be sure to ask for PNC Bank’s Wire Transfer Disclosure Statement so you have the most up-to-date information on fees, rules and regulations.

It is possible to initiate a PNC Bank domestic wire transfer over the phone, but you’ll face additional fees and potential delays.

PNC Bank wire transfer fees

PNC Bank’s wire transfer fees depend on how you’re sending the transfer and whether you’re sending or receiving an international wire transfer:

Outgoing (from a PNC branch)Outgoing (by phone)Incoming
Domestic wire transfer$30$45$15
International wire transfer$45N/A$15
Tracer fee (optional)$15$15N/A

Note: Wire transfer fees from July 2020 for PNC Bank Standard Checking accounts.

PNC Bank’s wire transfer fees are competitive compared to other banks, but are typically worse than using a money transfer company.

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 does PNC Bank compare to other services?

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
1 - 15 of 15
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
24 hours

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Currencies Direct
Within an hour

View details
CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates.
Within minutes

View details
Xe has fast transfers with low fees and a range of foreign currency tools.
Currencies Direct
Within an hour

View details
CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates.
24 hours

View details
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Within an hour
From $1.99

View details
Use the code ‘4FREEFINDER’ to get 4 free transfers if you are a first time user. Eligible countries only.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
24 hours

View details
Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Wise (TransferWise)
Within an hour
From 0.41%

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Within minutes
From $0

View details
Use code FINDERUSA20 for $20 off your first transfer from the US when you send at least $250. T&Cs apply.
Free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Within minutes
From $0

View details
Use code FINDERUSA20 for $20 off your first transfer from the US when you send at least $250. T&Cs apply.
Free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Within an hour

View details
Instarem offers zero transfer fees on all transfers.
Within an hour
From $0

View details
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
Currencies Direct (business)
Within an hour

View details
Minimizes costs of international transactions and offers custom solutions for business clients.
OFX International Money Transfers (Business)
24 hours

View details
Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
CurrencyTransfer for Business
24 hours

View details
Increase business efficiency with zero transaction fees and same-day transfers.

Compare up to 4 providers

What types of transfers can I make with PNC Bank?

You have two options for transferring money with PNC Bank:

  • One-off transfers. Make a one-time wire transfer.
  • Recurring transfers. Schedule a repeating wire transfer.

You can send your international wire transfer on the same day or initiate a transfer for a future date by visiting a PNC Bank branch location. If you submit your transfer by 4 p.m. ET, it will typically be processed the same business day.

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.

What are the pros and cons of using PNC wire transfers?


  • 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.


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

What are PNC Bank’s transfer limits?

PNC Bank doesn’t list any maximum limits for domestic or international transfers, but there is a $100 minimum limit when sending an international wire transfer.

How do I track my PNC wire 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.

Does Zelle work with PNC?

Yes. PNC customers can send money domestically with Zelle, a peer-to-peer payment service, using the mobile app. Here’s what you need to do:

  1. Log in and select Transfer with Zelle.
  2. Follow the onscreen instructions to select a recipient and enter the amount you want to send.
  3. Hit Send money.
  4. Check to make sure you got a confirmation that your money was sent.

How do I find my PNC routing and account number?

Because your routing number may vary based on where your primary PNC Bank branch is located, use these instructions to make sure you have the correction information before initiating a transfer. If you are setting up an incoming wire transfer, the PNC Bank Routing Number will be 043000096.

PNC routing information on paper checks

Look at the bottom of your PNC Bank issued paper check to find both your account number and your routing number. Both will be at the bottom, with the routing number typically being nine digits and located furthest left. Your account number is located to the right of it and may be between 9-12 digits.

PNC routing information in online statements

You’ll need to download or access your account statement online, typically in PDF form. To do this:

  1. Sign in to PNC online banking
  2. Select your account
  3. Click on Online Statements from the Account Activity page.
  4. Click on Print Statement, your routing number and account number can be found in the upper right-hand corner of the printed statement.

PNC routing information online

This method can be done entirely online.

  1. Sign in to PNC online banking
  2. Select your account
  3. Click on show Account & Routing Number in the Account dropdown menu.
  4. Verify your identity by providing account information
  5. Click on For wire transfers to see routing and account information needed for sending or receiving a wire transfer.

PNC routing information through SmartAccess

Use PNC’s SmartAccess feature to quickly see routing and account information.

  1. Sign in to PNC online banking
  2. Sign in to SmartAccess
  3. Look for the Direct Deposit Information section, your routing number and account number will be found here.

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 Pinnacle.

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 top picks for domestic money transfers.

Frequently asked questions

Can I save my recipient’s details to make future PNC Bank wire transfers easier?

Yes, you can save the details of frequent recipients to speed up the process for future transfers.

Can I submit a PNC wire request at any time?

No, transfers can only be made in person or on the phone during PNC Bank business hours.

How do I pay for an international transfer with PNC bank?

Any fees to complete your transfer will be taken directly from your PNC Bank savings or checking account when you make your transfer.

How long does an international wire transfer through PNC Bank take?

Electronic wire and ACH transfers can often be delivered the same day for corporate accounts. For personal accounts, PNC Bank doesn’t list the delivery speed on its site, so you’ll need to contact your local bank for more details.

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  1. Default Gravatar
    December 29, 2018

    How much can someone transfer to wire to me from overseas once I open my PNC checking account?

    • Avatarfinder Customer Care
      December 30, 2018

      Hi Brian,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Regarding your question, that would depend on the service provider your sender use. Typically, the service provider would indicate the maximum amount of transfer possible. For this reason, you need to ask your sender to check the provider’s terms and conditions and see how much he is able to send.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    November 19, 2018

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

    • Default Gravatar
      November 20, 2018

      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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