Sending an American Express wire transfer requires precise information to ensure funds move securely and without delay. Whether you are paying a vendor, settling a personal debt, or moving capital between accounts, understanding the exact routing and account details is critical. This guide breaks down the step-by-step process, highlights common pitfalls, and provides the specific data required for a successful domestic or international wire.
Domestic Wire Transfer Instructions
For transfers within the United States, American Express provides a standardized set of banking details that ensure funds are routed through the Federal Reserve or clearing networks. Accuracy here prevents returns and additional processing fees.
Required Information
Bank Name: The Bank of New York Mellon
Routing Number: 021000021
Account Type: Checking or Wire Receiving Account
Account Number: Your specific 10-digit Amex account number for the fund source or destination
Address: The address associated with the account for verification purposes
International Wire Transfer Instructions
Sending money abroad involves additional compliance checks and intermediary banks. Using the correct SWIFT code and ensuring the receiving bank supports the currency is essential to avoid losing money in conversion or intermediary fees.
For Incoming International Wires
If you are directing a bank to send funds to your American Express account, you must provide the following details to your originating bank.
Required Information
Beneficiary Name: The name on the American Express account
Bank Name: The Bank of New York Mellon
SWIFT/BIC Code: BOFMCAM2
Routing Number: 021000021 (for US domestic legs)
Account Number: Your designated receiving account number
Address: The corporate address of The Bank of New York Mellon
Country: United States
How to Locate Your Specific Account Number
The routing number provided above is standard for the institution, but the account number is unique to your legal entity. You cannot use a generic number; you must use the one tied to your specific profile or corporate entity.
Accessing the Details
Log in to your American Express Account Center to view profile details.
Review monthly statements where the account number is typically masked for security.
Contact American Express Business Support directly if you require the full number for banking purposes.
Processing Times and Fees
Wire transfers are not instant, and fees vary based on the direction of the transfer and the currency. Domestic wires usually clear the same business day, while international wires can take 3 to 5 business days due to intermediary banks and compliance reviews.
