Wells Fargo ExpressSend review April 2019 | finder.com

Wells Fargo ExpressSend review

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A secure, reliable way to send money overseas.

ExpressSend by Wells Fargo lets you send money directly to a bank account or for cash pickup — but it’s only available for recipients in Mexico, Asia, South America, Central America and the Caribbean.

Product NameWells Fargo Bank
Min. Transfer AmountUSD 25
Max. Transfer AmountNo limit
Transfer Methods
Online, Phone, Cash Transfer, Agent, , ...
Transfer Options
Regular payments, One off payments, Forward contracts
Transfer Speed
Minimum transfer time
2 days
Customer Service
Phone, Email, Branch
Available CurrenciesCOP, DOP, GTQ, HNL, INR, MXN, PHP, USD

How much does it cost to send money with Wells Fargo?

It’s free to sign up for the ExpressSend Service and there are no ongoing account fees or any charges that must be paid by your beneficiary. However, a transaction fee does apply to every transfer and the amount of this fee varies depending on where you are sending your money. For example, sending $1,000 to China will attract a $7 transfer fee while sending the same amount to India will not attract a fee.

Use the Transfer Cost Estimator on the Wells Fargo website to calculate the fee that will apply to your transaction. In addition, this fee can be discounted if you open an eligible Wells Fargo checking account.

Exchange rates

The exchange rate you will receive for your transaction varies according to the amount you send and where you’re sending it. Wells Fargo makes money off both transfer fees and converting US dollars to other currencies.

Who charges less?

Independent transfer services usually win over banks when it comes to fees. There are several providers who will send a transfer for free with competitive exchange rates, including OFX and XE.

What types of transfers can I send with Wells Fargo?

Wells Fargo offers cash pickup from a receiving institution and online transfer to a bank account with a receiving institution.

Depending on where you are sending your money, your transaction will be handled in conjunction with Wells Fargo’s transfer network member in that region. For example, transfers to the Dominican Republic are offered through Banco BHD Leon, Banco del Progreso and Banreservas, while transfers to China are handled by the Agricultural Bank of China.

It’s important to note that the first transfer you send under any ExpressSend service agreement must be completed at a branch or, for eligible customers, over the phone. Subsequent transactions can then be completed over the phone, online or in a branch.
Alternatively, if you wish to send funds for business purposes, you may like to investigate the wire transfer and foreign bank draft options available from Wells Fargo.

Does Zelle work with Wells Fargo?

It does. The new peer-to-peer payment platform is available via Wells Fargo’s mobile app and website. To transfer money domestically to other Zelle accounts, you need to:

  1. Log in and click on Transfer and Pay.
  2. Select Send Money with Zelle.
  3. Follow the onscreen steps to register yourself and select who you want to send money to.

Wells Fargo SWIFT/BIC information

Bank name SWIFT/BIC Bank address Recipient’s name Recipient’s account number
Wells Fargo WFBIUS6S 420 Montgomery Street, San Francisco, CA 94104 Beneficiary’s name as it appears on the bank statement Complete bank account number

Pros and cons of sending money with Wells Fargo


  • Trusted bank. With a long history and an extensive list of awards to its name, Wells Fargo is a name you can trust in banking and international transfers.
  • Transfer options. You can lodge your international money transfer online, over the phone or by visiting a Wells Fargo branch.
  • Low minimum. With a minimum transfer amount of $25, Wells Fargo’s ExpressSend Service is great for those who only want to send small amounts of money.
  • Send from your bank account. Funds are sent from your eligible Wells Fargo checking or savings account, meaning it’s quick and easy to start sending international money transfers.


  • Not worldwide. ExpressSend transfers money to 13 countries in Asia and Latin America only.
  • Not for business purposes. Wells Fargo’s ExpressSend service is not available for business payments.

How does Wells Fargo 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 0.879 EUR 4,393 Transfer up to $500,000 with no minimums and no fees. Go to site Show details
USD 1 1 - 2 days USD 0.00 0.886 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 0.00 0.874 EUR 4,368 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
USD 1,000 1 day USD 0.00 0.877 EUR 4,384 No-maximum limit transfers with competitive exchange rates for 100+ currencies. Go to site Show details
GBP 1,000 1 - 2 days USD 0.00 0.882 EUR 4,411 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.
Go to site Show details
USD 5,000 1 day - - Venstar will support you through the entire process of your international transactions, from start to finish. Go to site Show details
USD 50 1 - 2 days USD 0.00 0.871 EUR 4,353 Simple, zero-margin exchange rates, plus earn loyalty points on sign up, referral and every transaction. Go to site Show details

Compare up to 4 providers

What do I need to send money through Wells Fargo?

To send money through Wells Fargo, you’ll need to enroll in ExpressSend using your Wells Fargo checking or savings account.

Sending your first transfer involves visiting or calling a Wells Fargo branch with:

  • Your recipient’s name and physical address. The address must be in the country you’re sending to and can’t be a PO box.
  • Your recipient’s phone number, which must be in the receiving country or in the US. You’ll need to indicate whether it’s a mobile number or landline.
  • If you’re sending to a bank account, you’ll need the bank and account information. If you’re sending for cash pickup, you’ll need to select a participating bank or other network provider for the pickup.

Steps to transfer your money online

To use ExpressSend online, you need a Wells Fargo checking or savings account and an ExpressSend Service Agreement naming your recipient. If you don’t have either, you can open an account or sign an agreement at a bank branch or by phone. However, you can’t open an account online.

To review whether Wells Fargo sends to a particular country, follow the steps below.

How can I track my money transfer with Wells Fargo?

If you need to keep track of a transfer you can provide your transaction reference number to Wells Fargo or the receiving institution.

Wells Fargo also offers phone and email customer service 24 hours a day, seven days a week, meaning that help is on hand whenever you need it. Alternatively, you can make use of a handy frequently asked questions section on the ExpressSend website to find the answers you need.

How can I cancel my money transfer with Wells Fargo?

You must cancel any request within 30 minutes of completing it in order to get a full refund. Some transfers go through in less than 30 minutes, and won’t be available for refund if they’ve already been picked up or deposited.

Your two options to cancel a request are to either call Wells Fargo Global Remittance Services at 800-556-0605, or go online and follow these steps:

  1. Sign on to your Wells Fargo account.
  2. Navigate to the Transfer and Pay menu and select Send to Another Country.
  3. Select the History link of the Agreement you used.
  4. Select Cancel. If Cancel is unavailable, your 30-minute window has closed.

Bottom line

If you need to send an international money transfer to Asia or Latin America, the ExpressSend Service from Wells Fargo offers a simple and effective solution. However, you should make sure to compare its features with those of other transfer providers to ensure that you get the fastest and most affordable service.

Frequently asked questions about Wells Fargo

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US International Money Transfers Offers

Important Information*
XE Money Transfer

Transfer up to $500,000 with no minimums and no fees.

WorldRemit International Money Transfers

Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.


Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.


Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.

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12 Responses

  1. Default Gravatar
    RobertoOctober 2, 2018

    Good afternoon. I did a wire transfer to a person to buy medical equipment. The transfer was received October 1. I would like to know. How was the exchange that day? Thanks

    • Default Gravatar
      joelmarceloOctober 2, 2018

      Hi there,

      Thanks for leaving a question on finder.

      Unfortunately, there is nowhere online to find out how much the exchange rate for Wells Fargo on a particular day as typically, they will only show today’s exchange rate on their website. You can instead speak to their customer service on the phone to get the exact figure.

      Please send me a message if you need anything else. :)


  2. Default Gravatar
    LourdesAugust 25, 2018

    I would like to ask how many days for me to be able to receive the money it was sent thru wellsfargo bank express send and I will be recieving it here in the phillipines thru cebuana llhuilier, it was last Aug. 22..and still it is unavailable.

    • Default Gravatar
      joelmarceloAugust 25, 2018

      Hi Lourdes,

      Thanks for leaving a question on finder.

      The minimum transfer speed for WF ExpressSend is 2 business days. Usually recepients in the Philippines will receive their money in 3-5 business days. If it takes longer than that, I suggest you get in touch with your sender so he can follow up on your behalf to see what could be causing the delay.


  3. Default Gravatar
    ISARAHJune 26, 2018

    Can Wells Fargo send cash to Nigeria

    • Default Gravatar
      joelmarceloJune 27, 2018

      Hi Elvis,

      Thanks for leaving a question on finder.

      Wells Fargo ExpressSend transfers money to 13 countries in Asia and Latin America only. Unfortunately, you can not use them to send money to Nigeria. You can however compare from providers who can send money to Nigeria by going HERE.


  4. Default Gravatar
    JafarJune 19, 2018

    I want to know witch bank of Pakistan who transfer network member of wells Fargo?

    • finder Customer Care
      AshJune 20, 2018Staff

      Hi Jafar,

      Thank you for visiting finder.

      For Wells Fargo ExpressSend® Service, below are the Asian countries whom they have a partnership with as well as their Remittance Network Members:

      *Philippines – Bank of the Philippine Islands, BDO Unibank, Metrobank, Philippine National Bank,
      M. Lhuillier, Cebuana Lhuillier
      *India – ICICI Bank, HDFC Bank, Axis Bank
      *Vietnam – Vietinbank, Vietcombank
      *China – Agricultural Bank of China

      Unfortunately, Pakistan is currently not being serviced by Wells Fargo. You can try other International Money Transfer Agencies listed at this page.

      I hope this helps.

      Let us know if there is anything else that we may assist you with.


  5. Default Gravatar
    BernardFebruary 9, 2017

    Can I send money through Wells Fargo to a bank in South Korea?

    • finder Customer Care
      JasonJune 17, 2017Staff

      Hi Bernard,

      Thank you for your enquiry.

      It seems that you cannot send money to South Korea through Wells Fargo. Wells Fargo only allows money transfer to Mexico, Guatemala, El Salvador, Honduras, Nicaragua, the Dominican Republic, Colombia, Ecuador, Peru, the Philippines, India, Vietnam and China.

      Please check out this link instead for money transfer facilities that could help you send money to South Korea.

      I hope this helps.

      Kind regards,

  6. Default Gravatar
    DougFebruary 8, 2017

    I have a customer in India who wants to transfer funds to my Wells Fargo Account. Please give me instructions so that I can assist him.

    • Default Gravatar
      JonathanJune 25, 2017

      Hi Doug!

      You can advise your customer to visit this guide we have for sending. We have included list of money transfer services he can choose from. The basic steps he needs to follow are:

      1. Visit the provider’s website.
      2. Enter your personal contact information and any required ID.
      3. Enter the details of your transfer, including your recipient’s information and how you’d like your money delivered (In your case, Bank Transfer)
      4. Enter your payment details — typically a credit or debit card or bank account.
      5. Confirm your rate and fees and complete your transfer.

      Hope this helps.


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