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Visit any Bank of Hawaii branch to complete a wire transfer or to learn more about our wire transfer options.
Wire Transfers
What is a wire transfer?
A wire transfer is an electronic method of transferring funds between individuals or entities through financial institutions. Domestic wire transfers within the United States are typically processed through the Federal Reserve Bank’s Fedwire Funds Service, which provides real-time gross settlement. International wire transfers are facilitated using the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network, which enables secure messaging between banks to coordinate the transfer of funds.
Important information about wire transfers
- Once a wire transfer has been executed by Bank of Hawaii, it cannot be canceled. Funds are sent immediately and typically cannot be recovered.
- Because wire transfers carry a higher risk, we strongly encourage you to send money only to individuals or businesses you know and trust.
- Be especially cautious if you receive a request via an unexpected phone call, text, or email — these can often be signs of fraud.
- If something doesn’t feel right, pause and verify before proceeding.
Cut-off times for outgoing wire transfers
- Domestic or international location sent in U.S. dollars – 11 a.m. HST
- International location sent in foreign currency – 1 p.m. HST
Frequently Asked Questions
What information do I need to wire funds?
To send a wire you must have a Bank of Hawaii checking or savings account.
Wire transactions will not be accepted over the phone and generally must be completed in-person at a Bank of Hawaii location. Business customers with access to our Bankoh Business Connections platform can complete wires online.
For domestic wires (within the United States) the following information is needed:
- Beneficiary name
- Beneficiary account number
- Beneficiary mailing address (city, state, zip code)
- Beneficiary bank name
- Beneficiary bank address
- Beneficiary bank routing number
- Dollar amount to be transferred
For international wires (foreign bank) the following information is needed:
- Beneficiary name
- Beneficiary account number or IBAN
- Beneficiary mailing address (city, state, zip code)
- Beneficiary bank name
- Beneficiary bank address
- Beneficiary bank SWIFT BIC
- Dollar amount to be transferred
Correct information should be provided by the beneficiary and validated by the sender to avoid delays in crediting the beneficiary’s account. Incorrect wire information may lead to the return of the wire transaction minus any intermediary bank fees and loss due to exchange rates.
What information do I need to provide the sender to receive a wire transfer to my account?
For domestic wires (within the United States) the following information is needed:
- Bank Name – Bank of Hawaii
- Bank of Hawaii routing number – 121301028
- Your valid 10-digit Bank of Hawaii checking or savings account number
- The name on your Bank of Hawaii account
- Your mailing address (city, state, zip code)
For international wires (foreign bank) the following information is needed:
- Bank Name – Bank of Hawaii
- Bank of Hawaii SWIFT BIC – BOHIUS77
- Your valid 10-digit Bank of Hawaii checking or savings account number
- The name on your Bank of Hawaii account
- Your mailing address (city, state, zip code)
Notes
- Correct information should be provided by the beneficiary and validated by the sender to avoid delays in crediting the beneficiary’s account. Incorrect wire information may lead to the return of the wire transaction minus any intermediary bank fees and loss due to exchange rates.
- Bank of Hawaii will accept incoming wire transfers for payment to Bank of Hawai‘i loan accounts (loans, lines of credit, or mortgage). Visit a branch or call our customer service center to learn more about our wire transfer options.
What happens if I find out that I wired money to a fraudulent party or part of a scam?
A wire transfer cannot be canceled once Bank of Hawaii has executed it. The funds are transferred immediately upon execution and although we may attempt to assist you with the recall of an Executed Payment Order, we may not be able to recover the funds on your behalf. Do not wire funds to people or businesses you are not familiar with, especially if you have been asked to do so by a suspicious or unexpected phone call, text, or email.
Do I need an account to send a wire transfer?
Yes, you must have a Bank of Hawaii checking or savings account to send a wire transfer.
What is the fee to send a wire transfer?
Outgoing wires
- Domestic $5,000 or less – $40 each
- Domestic over $5,000 – $75 each
- International – visit branch to learn more about our wire transfer options
Incoming wires
- $13 each
Fee waived for Bankohana Cash Advantage Checking and Bankohana Level II, III accounts.
What is a routing number?
An ABA routing number is a 9-digit code used in the United States to identify a financial institution.
What is a SWIFT BIC?
A SWIFT BIC code is an international standard for identifying financial institutions worldwide when making international wire transfers. SWIFT BIC codes are usually 8–11 characters long.
What is an IBAN?
An IBAN is a standardized international number system used to identify banks across borders, mainly in Europe and other parts of the world. The United States does not use IBANs. U.S. banks use routing numbers and SWIFT codes.
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