How to receive an international wire transfer with PNC
You can receive incoming international wire transfers with PNC easily – but a fee applies on all incoming payments from abroad.
This guide walks through what you need to know, plus we’ll highlight alternative providers like Wise and Revolut that can make receiving international transfers simple and bring down costs overall.
Key points: PNC receive international wire transfer
| 💡 Key points | PNC international wire transfer |
|---|---|
| ⬇️ Fees for receiving transfers | 15 USD, applied on all payments |
| 💱 Exchange rates | Rates may be set by the sender’s bank, an intermediary, or PNC, and can include a markup |
| 🔐 Safety | PNC is a safe service to use with normal common sense precautions |
| 🎯 Incoming transfer limits | Check your specific account limits in your PNC digital banking service. If you run into an inconvenient limit, an alternative like Wise or Revolut may be a better choice. |
| 🚀 Incoming transfer speed | Speed depends on factors including the sender’s own bank – funds are deposited to your account on the same day PNC receives them if received before 10pm |
| ⭐ Convenience | Receiving a PNC payment is relatively convenient, as long as you can find all the details needed by your sender |
| FAQs | Answers |
|---|---|
| 💰 Does PNC charge a fee to receive an international wire transfer? | Yes. There’s a PNC incoming international wire transfer fee of 15 USD. |
| 🎯 How long does it take to receive an international wire to PNC? | Delivery times with PNC depend on the sending bank as well as the currency involved. If you need your payment to arrive quickly, using a multi-currency account from a provider like Wise may be faster. |
How to receive an international wire transfer to PNC: Step-by-step instructions 🚀
Here’s a quick summary of the steps you’ll need to take if you want to receive a payment from abroad to your PNC account:
Step 1: Find your PNC account information and give it to the sender
You’ll need to pass the sender your PNC account information including your account number and the PNC SWIFT code. The sender’s bank may also require your full name and contact information.
Step 2: Agree who will pay the transfer and receiving costs
If you need to receive a fixed amount from the sender you’ll want to confirm who is paying the receive costs of 15 USD. The sender may also have costs to pay to their own bank, so discussing these fees upfront can help avoid hassle down the line.
Step 3: Your money will be deposited into your PNC account
Your sender can initiate the transfer from their own bank or using a specialist service like Wise. The money is then deposited to your PNC account once the payment has been processed. This may take just a few minutes or a few days, depending on the provider the sender uses. If speed is of the essence, consider asking the sender to use a specialist like Wise – 70% of Wise payments are instant.
PNC fees to receive an international wire transfer 💰
There’s a PNC incoming international wire transfer fee of 15 USD that applies when someone sends you a payment to any PNC account. This applies on all incoming transfers, regardless of their value.
Alternatives to PNC to receive an international wire transfer ⚖️
There’s a 15 dollar fee to pay every time you receive a payment from abroad to your PNC account. This applies on all payments with no minimum transfer value, which can be frustrating if you only need to receive a relatively small amount.
Avoid PNC’s incoming payment fees with a multi-currency account that lets you receive payments from abroad in foreign currencies. That puts you back in control as you can often receive money with no incoming fee and then choose to convert your money to USD, or simply hold the balance in a foreign currency to use later if you prefer.
| Wise | Revolut | Payoneer | |
|---|---|---|---|
| 💡 Eligibility | Personal and business customers in the US and many other countries | Personal and business customers in the US and many other countries | Business customers in the US and many other countries |
| 🌍 Supported currencies | 40+ currencies supported for holding and exchange including USD, EUR, GBP and CAD
| 25+ currencies supported for holding and exchange including USD, EUR, GBP and CAD | 20 currencies supported for holding and exchange including USD, EUR, GBP and CAD |
| ⭐ Local and SWIFT account details | Local account details for 8+ currencies SWIFT details for 20+ currencies | Local account details for USD and GBP
SWIFT details for all other supported currencies | Local account information for 11 currencies |
| 💰 Fees to receive money | No fee to receive payments with local details 6.11 USD to receive USD wires and SWIFT payments Other SWIFT payments – low, fixed fees apply | No Revolut fee | Variable fees depending on the payment details |
| 💱 Exchange rate | Mid-market rate | Revolut rate with no additional fee for weekday conversion to plan limit Fair usage and out of hours fees may apply | 0.5% fee is applied to the rate provided |
| 🎯 Limits for incoming wires | No limit for most currencies | No stated limit | No stated limit |
*Details correct at time of research – 20th May 2026
About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
Wise
💡 Great for: Receive 20 currencies, with mid-market rate currency exchange and low, transparent fees
Register a Wise Account in the Wise app, to receive money in 20 currencies and hold 40 currencies, all in the same account.
You’ll get local details in 8+ currencies such as USD, GBP and EUR, to receive incoming payments with ease. There’s a low, fixed fee to receive USD wires, but incoming ACH transfers have no charge – and there’s no Wise fee to receive other available currencies with local details.
| 💡 Wise pricing & limits | |
|---|---|
| 💰 Account fees | No monthly fees Transaction fees may apply depending on account usage |
| ⬇️ Incoming transfer fees | No fee to receive non USD payments using local details 6.11 USD fees apply for USD wires and SWIFT payments. ACH payments are free to receive. |
| 🎯 Incoming wire limits | Usually no limit to account holding |
| 🌍 Supported currencies for receiving payments | Local account details for 8 currencies SWIFT details for 20 currencies |
| 💱 Exchange rates | Mid-market exchange rate |
| ⬆️Sending transfer fees | Low and transparent fees, starting from 0.57% |
*Details correct at time of research – 20th May 2026
About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
Revolut
💡 Great for: Choose from different plans which all allow you to receive 25 currencies
Revolut US customers have a choice of account plans which all support receiving foreign currency payments. You can receive USD and GBP with local account information, and 20+ other currencies using SWIFT details.
All plans offer some weekday conversion with the Revolut rate and no additional fee, allowing you to spend your funds as you choose. Standard account plans have a 0.5% fair usage fee after you exceed the plan’s 1,000 USD monthly conversion, and a 1% out of hours fee which applies on weekends.
| 💡 Revolut pricing & limits | |
|---|---|
| 💰 Account fees | 0 USD – 16.99 USD monthly fee depending on plan selected Variable transaction fees depending on plan |
| ⬇️ Incoming wire fees | No Revolut fee |
| 🎯 Incoming wire limits | No stated limit |
| 🌍 Supported currencies for receiving payments | Receive local payments in USD and GBP and other supported currencies with SWIFT details. |
| 💱 Exchange rates | Revolut rate with no additional fee for weekday conversion to plan limit Fair usage fees of up to 0.5%, and out of hours fees of up to 1% may apply |
| ⬆️Sending transfer fees | Variable fees depending on the account plan selected |
*Details correct at time of research – 20th May 2026
Payoneer
💡 Great for: Businesses receiving incoming customer funds as bank transfers, card payments or through marketplace sites
Payoneer offers international business accounts that can be used to receive customer payments from banks, PayPal, credit cards, and sites like Fiverr, Upwork, and Airbnb. You can receive 20 currencies in total, with local payments available for 11 currencies.
Payoneer currency conversion includes a 0.5% fee, applied when you convert in your account, to withdraw or to send a payment elsewhere.
| 💡 Payoneer pricing & limits | |
|---|---|
| 💰 Account fees | No ongoing account fees Transaction fees apply depending on account usage |
| ⬇️ Incoming wire fees | Fees vary depending on the currency involved |
| 🎯 Incoming wire limits | Not stated |
| 🌍 Supported currencies for receiving payments | 11 currencies supported for local payments, and 20 for global payments |
| 💱 Exchange rates | 0.5% fee applies on currency exchange |
| ⬆️Sending transfer fees | Up to 4% |
*Details correct at time of research – 20th May 2026
What information is needed to receive a wire transfer at PNC 📄
| 📁 Required information to receive payments with PNC |
|---|
|
PNC SWIFT code for international transfers 📥
For an international payment you’ll need to make sure the sender has the PNC SWIFT code which is used to guide the funds to the right bank in the US.
| 📌 PNC SWIFT code |
|---|
| PNCCUS33 |
How to find PNC SWIFT code
If you want to double check your PNC SWIFT code you can do so by logging into your account information on the PNC online and mobile banking services, or by calling the service team to ask for help.
🔢 PNC routing number to receive international wire
You won’t usually need a routing number to receive an international wire – but if your sender requires this information, the PNC routing number is as follows:
| 🔢 PNC routing number |
|---|
| 043000096 |
PNC receive limits for incoming international wires 🎯
PNC does not disclose incoming payment limits. If limits apply on your specific account type you’ll be able to see them in your digital banking services, or you can call the bank to ask for advice if you’d prefer.
Providers like Wise and Revolut often have no incoming payment limits which makes them simple ways to receive even high value transfers conveniently and securely.
How long does it take for PNC to receive an international wire transfer? ⏳
PNC states that it deposits funds to customer accounts on the same day if they are received by the bank before the daily cut off time of 10pm. However, it may still take several days for the end to end transfer as the sender’s bank will also need some time to initiate the payment, which may go via an intermediary bank.
Standard bank wires can take 3 – 5 days to arrive. Alternative providers like Wise and Revolut are often a faster choice as they can use local payment networks to speed up the process.
How to track an incoming international wire transfer with PNC 🔍
PNC may not be able to help you track a payment until they’ve received the funds from your sender’s bank. In the first instance, ask your sender to check their own account to see if the money has been debited. If it has, you may need to reach out to PNC – or have the sender talk to their own bank – to see where the payment has gone to.
What can you do if your transfer is not delivered yet
If you’re concerned about a payment which has not yet arrived you can speak to PNC service staff on 1-888-762-2265. Services are available Monday – Friday from 8:00 a.m. – 9:00 p.m. ET, and on a weekend from 8:00 a.m. – 5:00 p.m. ET.
PNC also offers support through other routes, including Instagram, X, Facebook and branch visits.**
