Wire Transfers Explained: Domestic & International

What is a Wire Transfer?

A wire transfer is an electronic transfer of funds from one bank account to another. Unlike ACH transfers that go through the Automated Clearing House network, wire transfers are processed individually and in real-time, making them faster but typically more expensive.

Atlantic Commercial Bank supports both domestic and international wire transfers, allowing you to send money virtually anywhere in the world from your account at atlanticcomercial.org.

Domestic Wire Transfers with Atlantic Commercial Bank

Domestic wire transfers through Atlantic Commercial Bank are processed same-day when initiated before our cutoff time (typically 4:00 PM ET on business days). Here's what you need to send a domestic wire:

Required Information for Domestic Wires

• Recipient's full name (as it appears on their bank account)
• Recipient's bank name
• Recipient's bank routing number (9 digits)
• Recipient's account number
• Transfer amount
• Purpose of transfer (optional but recommended)

Domestic Wire Transfer Fees

Atlantic Commercial Bank charges a flat fee of $25 for outgoing domestic wire transfers. Incoming domestic wires to your Atlantic Commercial Bank account are free of charge.

International Wire Transfers with Atlantic Commercial Bank

Need to send money overseas? Atlantic Commercial Bank uses the SWIFT network to facilitate international wire transfers to over 200 countries and territories. International wires typically take 1-3 business days to arrive, depending on the destination country and receiving bank.

Required Information for International Wires

• Recipient's full name (exactly as it appears on their account)
• Recipient's full address
• Recipient's bank name and address
• Recipient's bank SWIFT/BIC code
• Recipient's account number or IBAN
• Transfer amount and currency
• Purpose of payment

International Wire Transfer Fees

Atlantic Commercial Bank charges $45 for outgoing international wire transfers. This fee is competitive with major banks and includes the SWIFT network fee. Note that intermediary banks and the receiving bank may charge additional fees.

How to Send a Wire Transfer from Atlantic Commercial Bank

Sending a wire transfer through Atlantic Commercial Bank is straightforward:

1. Log in to your Atlantic Commercial Bank account at atlanticcomercial.org
2. Navigate to Transfers → Wire Transfer
3. Select Domestic or International
4. Enter the recipient's banking information
5. Verify all details carefully—wire transfers cannot be reversed
6. Confirm the transfer with your authentication method

Receiving Wire Transfers at Atlantic Commercial Bank

To receive a wire transfer to your Atlantic Commercial Bank account, provide the sender with the following information:

For Domestic Incoming Wires

• Bank Name: Atlantic Commercial Bank
• Routing Number: Available in your account settings
• Your Account Number: Found in your account details
• Your Name: Exactly as it appears on your Atlantic Commercial account

For International Incoming Wires

• Bank Name: Atlantic Commercial Bank
• SWIFT Code: Available in your account settings
• Your Account Number: Found in your account details
• Bank Address: 20-22 Wenlock Road, London N17GU, United Kingdom
• Your Name and Address: As registered with Atlantic Commercial Bank

Wire Transfer Security at Atlantic Commercial Bank

Atlantic Commercial Bank takes wire transfer security seriously. Every wire transfer is:

• Encrypted using 256-bit SSL technology
• Verified through multi-factor authentication
• Monitored by our fraud detection systems
• Subject to review for large amounts

Wire Transfer vs. Other Transfer Methods

Atlantic Commercial Bank offers multiple ways to move money. Here's how to choose the right option:

• Wire Transfer: Best for large, time-sensitive transfers
• ACH Transfer: Best for recurring payments or when speed isn't critical
• Cryptocurrency: Best for international transfers without bank intermediaries

Get Started with Atlantic Commercial Bank

Ready to experience seamless wire transfers? Open your Atlantic Commercial Bank account today at atlanticcomercial.org/auth/sign-up and enjoy competitive rates, fast processing, and world-class security for all your transfer needs.