How to receive an international wire transfer with USAA
Expecting to receive a payment from abroad to your USAA checking or savings account? USAA works through an intermediary to arrange international wires, which can make the process a little more complex than usual. Read on to learn about the information you need to get your money safely.
There’s no fee to receive incoming international wire transfers with USAA, but that doesn’t mean the process is free – in this guide we also explore where costs may creep in, and also look at how alternative providers like Wise and Revolut can make receiving international transfers cheap and easy.
Key points: USAA receive international wire transfer
| 💡 Key points | USAA international wire transfer |
|---|---|
| ⬇️ Fees for receiving transfers | No USAA incoming wire fee |
| 💱 Exchange rates | Exchange rates are set by either the sender’s bank or an intermediary bank, and may include a markup |
| 🔐 Safety | USAA is safe to use, with responsive customer service if you have any questions or concerns |
| 🎯 Incoming transfer limits | USAA incoming transfer limits are not published, but can be found by logging into your account online |
| 🚀 Incoming transfer speed | Transfer times can vary depending on the sender’s bank, country and currency |
| ⭐ Convenience | Receiving a USAA international wire may not be as convenient as using an alternative like Wise or Revolutwhich lets you get your payment in a foreign currency to lower conversion costs |
How to receive an international wire transfer to USAA: Step-by-step instructions 🚀
USAA Bank receives international wires through its intermediary bank, The Bank of New York and so you need to give the sender your own account information, as well as full intermediary detail for your payment to be processed.
Here’s a summary of how to receive an international wire transfer to USAA step-by-step:
Step 1: Find your USAA account information, as well as the intermediary details and give these to the sender
To receive a payment to USAA, your sender needs both your own account information, and USAA’s intermediary details, including the intermediary name, address, SWIFT code and creditor information. We’ll look at this in more detail later.
Step 2: Agree who will pay the transfer costs
USAA has no incoming payment fee, but the sender’s bank may impose a fee, and other costs may creep in when the funds are converted to USD to be deposited to your USAA account. To avoid misunderstandings it’s worth talking through these costs – and who will bear them – with the sender ahead of time.
Step 3: Your money will be deposited into your USAA account
Payment processing times depend on the sender’s bank. Once the funds have been processed and received by USAA< they’re deposited to your account either on the same day if received by 5pm, or the next working day if not.
| FAQs | Answers |
|---|---|
| 💰 Does USAA charge a fee to receive an international wire transfer? | No. There is no USAA incoming international wire transfer fee. However, charges may be included in the exchange rate used to convert the payment for deposit to your USAA account. |
| 🎯 How long does it take to receive an international wire to USAA? | USAA incoming wires may take several days to arrive, depending on the sender’s country and bank. Alternative options may be quicker – 70% of Wise payments are instant. |
USAA fees to receive an international wire transfer 💰
There’s no USAA incoming international wire transfer fee. However, the sending bank may charge a fee, and charges may be included in the exchange rate used to convert the payment from a foreign currency to USD for deposit to your USAA account.
Alternatives to USAA to receive an international wire transfer ⚖️
Receiving an international wire to USAA means digging out a lot of information to give the sender, covering your own account, the USAA intermediary and creditor details. Your money will be automatically converted to USD for deposit, using a rate set by the sender’s bank or the USAA intermediary, which can include fees.
Multi-currency accounts avoid this hassle, by allowing you to quickly and conveniently receive payments in foreign currency and then control the conversion yourself. This can be cheaper, and lets you decide how and when to switch your funds back to USD. Here are a few options worth considering:
| 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 USAA 📄
Sending a payment to USAA dosn’t work in quite the same way as some international wires, so your sender needs a few separate pieces of information for your money to arrive safely.
| 📁 Required information to receive payments with USAA |
|---|
|
USAA SWIFT code for international transfers 📥
The USAA SWIFT code is like a Zip-code for your international payment. The sender will need it to make sure your money arrives safely and without delay.
| 📌 USAA SWIFT code |
|---|
| IRVTUS3NXXX |
How to find USAA SWIFT code
If you want to check your USAA SWIFT code you can look in your digital banking service, or call the customer service team to confirm.
🔢 USAA intermediary information to receive international wire
USAA wires are received through the USAA intermediary, so you’ll need to pass the sender the intermediary name and address so they can make your payment.
| 🔢 USAA intermediary information |
|---|
| Intermediary agent: The Bank of New York Intermediary agent address: 225 Liberty Street, New York, NY 10286 |
🏦 USAA creditor agent information for incoming international wires
As well as the Bank of New York details, your sender needs the following information about the USAA creditor details.
| 🏦USAA creditor agent information |
|---|
| Creditor agent: USAA Federal Savings Bank Creditor agent account number: 8900624744 Creditor agent address: 10750 McDermott Freeway, San Antonio, TX 78288 |
USAA receive limits for incoming international wires 🎯
USAA does not publish its receive limits for incoming international wires. Instead you can view your own limits online, or learn more by calling or visiting the bank in person.
How long does it take for USAA to receive an international wire transfer? ⏳
USAA international wires are deposited to your account as soon as the bank receives the money – but this can take a few days as the transfer needs to be processed via the USAA intermediary bank.
Ultimately international wire timelines depend on many different factors including the sending bank’s own processes – transfers can sometimes take 3 – 5 days to arrive. If you’re hoping for a faster payment, a specialist like Wise might be a good choice – 70% of Wise payments are instant, and 80% arrive within an hour.
How to track an incoming international wire transfer with USAA 🔍
The first thing to do is to ask your sender to check with their own bank to see if the money has been debited yet. If it has, and you’re worried about the payment timeline, you may need to contact USAA to ask if they’re able to trace the payment.
What can you do if your transfer is not delivered yet
If you have concerns about an incoming USAA wire transfer, you can call the bank on 800-531-8722, or visit your closest branch to ask for support.
