Discover Bank International Wire Transfer is a reliable and secure way to send and receive funds globally. As a trusted financial institution, Discover Bank offers seamless international wire transfers along with deposit and savings services. Account holders can initiate a Discover International Wire Transfer using the bank’s designated routing number. For international wire transfers from a non-U.S. bank, the specific Discover Bank routing number is 043000261.
The maximum Discover wire transfer limit is USD 250,000 per 30-day rolling period. The Bank levies a service fee of USD 30 for each outgoing Discover Bank international wire transfer made from your Discover account. The sender can make these transfers via online and offline methods. Read on to find more information on how to make Discover transfers, discover bank SWIFT codes, discover international fees, transfer limits and much more.
This Blog Includes:
- How to Make Discover International Wire Transfer?
- Transfer Limit with Discover Bank International Wire Transfer
- Transfer Limits for Discover Bank International Wire Transfers
- How do I receive a wire transfer with Discover Bank?
- Discover Bank International Wire Transfer Instructions
- FAQs on Discover International Wire Transfer
How to Make Discover International Wire Transfer?
Discover Bank international wire transfers can be initiated through the Account Centre Online and Discover App. The Account Centre online only enables you to make domestic wire transfers while the app allows you to make domestic as well as Discover international wire transfers.
Make sure to initiate the Discover international transfer request 2 to 3 days before the day in advance to ensure pre-processing and verification. The best part about international wire transfers via Discover Bank is that if the request is received before 3:00 PM ET on a business day is processed on the same day. Requests received after this time of the day are processed on the next business day provided it is not a weekend or a holiday.
Please note: A Wire Transfer Specialist reviews the request before processing it. They might ask for additional information and contact you within 1 business day of submission of your phone number.
Also Read: Want to send money via the US Bank? Know all about the details like fees, transfer limit, delivery time and others of US Bank International Wire Transfer.
Discover Bank International Wire Transfer with Offline Process
To initiate a Discover Bank International Wire Transfer offline, the sender must download a wire transfer request form from the Discover Bank website. For a successful international transfer, the following details are required:
- Name of the sender and her/their/his Discover Bank account details
- Amount to be transferred
- Name and address of the receiver
- Recipient’s bank account number, bank’s Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code or Business Identifier Code (BIC) Code, and International Bank Account Number (IBAN)
- After providing all the information, the sender has to upload a copy of the form through the online banking portal of Discover Bank or Fax the form to 1-224-813-5213 addressed to “Wire Transfer Request” or Mail it to Discover Bank’s address: Discover Bank, Salt Lake City, UT 84130, PO Box 30417.
By following these steps, users can efficiently complete a Discover International Wire Transfer offline.
Discover Bank International Wire Transfer via Discover App
For seamless online international money transfers, users can initiate a Discover International Wire Transfer through the Discover App. Follow these steps to complete your online transaction securely:
- Log in to the Discover Bank App
- Select the account you want to make transfers from
- Select the “Transfers” or “Transfers and Payments” option
- Enter the name, bank account number, SWIFT Code/BIC Code, and IBAN Code of the recipient
- Download the form and fill it out
- Upload the scanned copy of the form and required documents by using the Secure Document Upload Service of Discover Bank.
- Then the sender needs to initiate the transfer by clicking on the “Submit” option.
For a Discover Bank International Wire Transfer, use the SWIFT Code IRVTUS3N when sending funds from a non-U.S. bank.
Once documents are uploaded, a Wire Transfer Specialist will review the request. If any discrepancies arise, Discover Bank will notify the sender within one business day to resolve the issue.
Also Read: Check out the steps to make a BOA International Wire Transfer. Learn more about its pricing, transfer partners, and transfer limits.
Transfer Limit with Discover Bank International Wire Transfer
When making an international wire transfer with Discover Bank, it’s important to be aware of the limits of international wire transfer. Different banks impose varying restrictions on international wire transfers, and Discover Bank is no exception.
Below are the transfer limits for Discover Bank international wire transfers:
| Particulars | Sending and Receiving Limit |
| Transaction through Discover App or Discover Account Centre Online Banking Platform | USD 250,000/30-day rolling period |
| For accounts opened after 20th March 2022 | USD 10,000/30-day |
Transfer Limits for Discover Bank International Wire Transfers
Discover Bank does not charge for receiving domestic wire transfers or international wire transfers in US Dollars. The bank levies service charges and currency exchange fees on Discover international wire transfers received in foreign currency. The exchange rate is determined by the recipient bank and
Discover international fees of USD 20 may be charged as currency exchange fees. There is a service charge of USD 30 for every outgoing Discover Bank international transfer.
| Type of Charge | Charges Applicable |
| Service Charge | USD 30 |
| Currency Exchange Fees | USD 20 |
Understanding these limits is crucial for seamless international transactions. Whether you are transferring funds for personal or business purposes, being informed about Discover Bank’s international wire transfer policies helps ensure smooth financial operations.
Also Read: Check out the compelling reasons to choose CitiBank International Wire Transfer and explore transfer limits, fees, CitiBank global transfers and online wire transfer services in detail.
How do I receive a wire transfer with Discover Bank?
To initiate inward and outward remittance through a Discover Bank international wire transfer, an individual must provide details like beneficiary bank name, routing number, bank address, bank name, and account number. These details ensure the secure and accurate processing of your transaction.
Domestic Wire Transfers (From Another Bank in the U.S.)
For domestic wire transfers (from another bank in the US), please wire funds to:
- Beneficiary Bank: Discover Bank
- ABA/Routing Number: 031100649
- Beneficiary Bank Address (if required): 502 East Market Street, Greenwood DE 19950
- Beneficiary Name: Your name (as it appears on your Discover Bank account)
- Beneficiary Address: Your address (as it appears on your Discover Bank account)
- Beneficiary Account Number: Your Discover Bank account number
For international wire transfers (from another bank outside the U.S.), please wire funds to:
- Beneficiary Bank: Bank of New York Mellon
- ABA/Routing Number: 043000261
- SWIFT Code: IRVTUS3N
- Beneficiary Bank Address (if required): #3 Mellon Bank Center, Pittsburgh, PA 15258
- Beneficiary Name: Discover Bank
- Beneficiary Account Number: 9914394
- For Further Credit to: Your name (as it appears on your Discover Bank account), your address (as it appears on your Discover Bank account), and your Discover Bank account number
Using the correct Discover International Wire Transfer details helps ensure your funds are received without delays or issues. Always double-check the information with your bank before initiating a transfer.
Discover Bank International Wire Transfer Instructions
If you need to send money internationally, the Discover Bank International Wire Transfer process makes it simple and secure. You can initiate a transfer to an external account using the International Wire Transfer Authorization Form or conveniently through the Discover Mobile App.
Processing Time for Discover Bank International Wire Transfers
To ensure a smooth transfer, submit your request at least 2-3 business days in advance for faster processing, with this a few things to consider:
- Submit your request 2-3 business days in advance for faster processing.
- Requests received before 3:00 PM ET on a weekday are processed the same day.
- Requests received later will be processed on the next business day.
Currency: Discover Bank only sends wires in USD. If the recipient’s account is in another currency, use a different bank.
Fees: There’s a USD 30 service charge for each wire transfer, deducted from your account.
Possible Delays: Your transfer may be delayed or blocked if there are concerns about violating sanctions or laws.
By following these instructions, you can efficiently send funds abroad using Discover Bank’s international wire transfer services. Ensure all details are accurate to avoid delays in processing.
FAQs on Discover International Wire Transfer
Discover Bank provides various deposit and saving services alongside International wire transfer services. This service enables people to remit funds outside the US.
The routing number used for Discover Bank international wire transfers (from another bank outside the U.S.) is 043000261.
There are no Discover international fees on receiving domestic wire transfers or international wire transfers in USD. However, any wire transfers made in foreign currency are charged with a currency exchange fee of USD 20.
Discover Bank’s address for receiving domestic funds is 502 East Market Street, Greenwood DE 19950 and #3 Mellon Bank Center, Pittsburgh, PA 15258 for Discover wire international transfers.
Funds are processed on the same day if Discover international wire transfer requests are received before 3:00 pm ET and on the next business day if received after 3:00 pm ET. The funds will be delivered within 3 business days.
Yes. Discover Bank imposes a service fee and the recipient bank charges an exchange rate and exchange fee if the currency of the destination country is not USD.
The Discover bank imposes a service charge of USD 30 on an international wire transfer outside the USA. Currency exchange fees of USD 20 are also charged for transactions made in foreign currency.
Discover Bank international wire transfer limit is USD 250,000/30-day rolling period for Transactions through Discover App or Discover Account Centre Online Banking Platform. For accounts opened after 20th March 2022, the limit is USD 10,000.
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