PNC International Money Transfer : Fees, SWIFT CODE & Alternatives (2026)
PNC International Money Transfer: Fees, SWIFT Code & Alternatives (2026)
PNC Bank is the sixth-largest bank in the United States by assets, serving around 60 million customers across more than 2,600 branches, primarily in the eastern half of the country. For international money transfers, PNC operates differently from most other major US banks — and that difference is worth understanding before you send your first wire.
Unlike Chase or Wells Fargo, PNC does not offer international wire transfers online for most personal accounts. Sending money internationally with PNC typically requires a branch visit to set up the payment.
PNC does offer two transfer products: a SWIFT international wire for 200+ countries, and a dedicated International Money Transfer service covering 10 Latin American countries at a significantly lower flat fee of $5 to $10.
How PNC Handles International Money Transfers
PNC offers two separate international transfer products.
Feature Comparison
| Feature | SWIFT International Wire | International Money Transfer (Latin America) |
|---|---|---|
| Countries covered | 200+ countries | 10 Latin American countries |
| Delivery method | Bank account only | Bank deposit or cash pickup |
| Online flat fee | $40 (USD) / $5 (FX) | $5 (digital) |
| Branch flat fee | $45 | $10 |
| Incoming fee | $15 | No fee |
| Transfer limit | Account-dependent | Varies |
| Speed | 1 to 5 business days | Within 1 business day |
| Initiation | Branch required | App or branch |
The Branch Requirement
For most PNC customers, SWIFT wires must be initiated in a branch.
This means:
- Visiting during business hours
- Providing all recipient details
- No transfers on weekends or holidays
PNC International Money Transfer Fee
Flat Fees
| Transfer Type | Method | Fee |
|---|---|---|
| International wire (FX) | Online | $5 |
| International wire (USD) | Online | $40 |
| International wire | Branch | $45–$50 |
| Incoming international wire | Any | $15 |
| Latin America transfer | App | $5 |
| Latin America transfer | Branch | $10 |
Exchange Rate Markup
PNC applies a markup of approximately 3% above the mid-market rate.
Example Costs
| Send Amount | Markup | Flat Fee | Total Cost |
|---|---|---|---|
| $500 | $15 | $5 | $20–$70 |
| $1,000 | $30 | $5 | $35–$85 |
| $5,000 | $150 | $5 | $155–$255 |
| $10,000 | $300 | $5 | $305–$405 |
Correspondent Bank Fees
- Additional fees: $10 to $100
- Charged by intermediary banks
- Not predictable
PNC Bank SWIFT Code
- SWIFT / BIC:
PNCCUS33 - Alternative:
PNCCUS33XXX - Bank: PNC Bank, N.A.
- Address: Firstside Center, 500 First Avenue, Pittsburgh, PA 15219
- Routing number: 043000096
- IBAN: Not applicable
How to Send an International Wire Transfer
SWIFT Transfer (Branch)
- Gather recipient information
- Visit a PNC branch
- Confirm fees and exchange rate
- Submit transfer
Latin America Transfer (App)
- Open PNC mobile app
- Select International Money Transfer
- Enter details
- Confirm
Cancellation
- Free within 30 minutes
- After 30 minutes → may not be possible
Transfer Speed
| Region | Time |
|---|---|
| Western Europe | 1–3 days |
| Canada | 1–2 days |
| Latin America (SWIFT) | 2–4 days |
| Latin America (App) | ~1 day |
| Asia | 2–5 days |
| Africa | 3–5+ days |
Transfer Limits
- No fixed public limit
- Depends on account and risk checks
PNC vs Alternatives
| Feature | PNC | Wise | Remitly | Western Union |
|---|---|---|---|---|
| Fee | $5–$50 | ~0.5–1% | $0–$3.99 | varies |
| Exchange markup | ~3% | 0% | 0.5–2.5% | 1–5% |
| Online | Limited | Yes | Yes | Yes |
| Cash pickup | Limited | No | Yes | Yes |
| Speed | 1–5 days | fast | fast | instant |
When to Use PNC
Good for:
- Latin America transfers
- SWIFT-required payments
- Occasional transfers
Not ideal for:
- Urgent transfers
- Frequent transfers
- Mobile wallet payments
FAQ
What is the SWIFT code?
PNCCUS33
What are the fees?
$5 to $50 + ~3% markup + possible intermediary fees
Can I send money online?
Only for Latin America transfers
How long does it take?
1 to 5 business days
Conclusion
PNC is reliable but:
- Requires branch visits
- Has higher costs due to exchange markup
Best option:
- Latin America transfers via app
Otherwise:
- Compare with alternatives before sending
Written by
Brahim Oubrik
Brahim Oubrik, a senior data engineer who experienced firsthand the challenges of sending money internationally. Living in France while supporting his family in Morocco, Brahim regularly needed to transfer funds across borders. Drawing on his background in data engineering, Brahim decided to solve this problem not just for himself, but for the millions of others navigating the same difficulties. He built Ideal Remit to bring clarity to the international money transfer market.