International Wire Transfer at Ameris Bancorp

Ameris Bancorp's International Wire Transfer service is designed to provide businesses and individuals with a secure, efficient and reliable way to move funds across borders. Whether you are paying suppliers, sending funds to family overseas, managing payroll for international employees or settling cross-border investments, this service combines global reach with local support to help ensure payments arrive accurately and on time.

Key Features

• Global reach: Access to a wide network of correspondent banks and international payment rails that cover major currencies and numerous countries.
• Multiple channels: Initiate international wires via online banking, mobile app, in-branch, or through your dedicated relationship manager depending on your account and service level.
• Flexible funding: Fund transfers from your Ameris account balances in supported currencies, with real-time debiting once the instruction is accepted.
• Currency handling: Send funds in U.S. dollars or convert to many foreign currencies, subject to availability and market rates at the time of execution.
• Beneficiary requirements: Support for standard beneficiary identifiers including IBAN, SWIFT/BIC, and domestic account numbers to ensure accurate routing.
• Tracking and confirmation: Receive reference numbers and confirmation notices for sent wires; monitoring options are available to track progress and troubleshoot if needed.

Benefits

• Security and compliance: Transactions are processed with industry-standard encryption and subject to regulatory screening to help prevent fraud and comply with anti-money laundering and sanctions requirements.
• Speed and reliability: Fast processing when instructions are complete and submitted before cut-off times. Timing may vary by destination and correspondent banks, with some payments settled same day or within one to several business days.
• Personalized support: Dedicated bankers and customer service specialists are available to assist with complex payment needs and to provide guidance on international remittance details.
• Reduced errors: Clear input fields for IBAN, SWIFT/BIC and beneficiary details reduce the risk of misrouted funds and help minimize delays.

How It Works — Step by Step

1. Gather beneficiary information: Beneficiary name, account number or IBAN, beneficiary bank name, SWIFT/BIC, bank address (if required), and payment purpose or reference.
2. Choose channel: Log in to online or mobile banking, visit a branch, or contact your relationship manager to initiate the wire. Business customers may have access to additional treasury tools.
3. Provide transfer details: Specify the sending currency, amount, and any conversion instructions. Indicate who will pay fees—sender, beneficiary, or shared.
4. Review and authorize: Verify all details carefully. Authorize the payment using the required authentication method (e.g., token, passcode, or in-person signature).
5. Processing and routing: The bank routes the payment through correspondent banks if necessary. Intermediary fees or exchange margins may apply and can affect the final amount received.
6. Confirmation and tracking: Receive confirmation and a tracking/reference number. Use this to follow up with your banker if the payment requires inquiry or reconciliation.

Timing and Fees

Processing times and fees vary depending on destination country, currency, cut-off times, and whether intermediary banks are required. Some transfers may be completed the same business day if initiated early and routed through efficient payment corridors; others may take several business days. Fees typically include an originating wire fee and possible intermediary or beneficiary bank charges. Currency conversion fees may also apply. Customers should review account disclosures or speak with a banker for details on the applicable fee schedule and expected timing for specific corridors.

Security and Compliance

Ameris Bancorp applies rigorous security protocols to protect your funds and information. All international wire transactions are subject to compliance checks, including anti-money laundering (AML) screening, sanctions list screening and verification of customer identification. To comply with regulatory requirements and to avoid delays, customers must provide accurate identification and complete documentation when requested.

Documentation and Eligibility

• Valid account with Ameris Bancorp in good standing.
• Appropriate identification and account authority for individuals and businesses.
• For businesses, documentation may include corporate resolution, signer list, and forms authorizing international transactions.
• Purpose of payment or supporting invoices may be requested for certain transactions or destination countries.

Tips to Avoid Delays

• Provide complete beneficiary details, including IBAN and SWIFT/BIC where applicable.
• Confirm the beneficiary’s bank requirements in the destination country to avoid returned payments.
• Specify who pays intermediary fees to prevent unexpected shortfalls at the beneficiary end.
• Initiate transfers well before critical deadlines and check cut-off times for same-day processing.
• Keep transaction references and confirmations for reconciliation and inquiries.

Use Cases

• Paying overseas suppliers for goods and services.
• Sending education or living expenses to family members studying or living abroad.
• Transferring funds for property purchases or real estate transactions in foreign countries.
• Settling international investment or advisory fees.
• Managing payroll or contractor payments for remote international staff.

Frequently Asked Questions

Can I initiate an international wire online?

Many customers can initiate international wires through online or mobile banking, subject to account permissions. Some transactions or larger amounts may require branch initiation or banker assistance.

What information does the beneficiary need to provide?

Standard details include the beneficiary’s full name, account number or IBAN, beneficiary bank name, SWIFT/BIC, and any required bank branch identifiers. Including a clear payment reference helps the beneficiary reconcile the incoming funds.

Are there limits on international wire amounts?

Limits may apply based on account type, customer relationship, and regulatory requirements. Business accounts often have higher limits than personal accounts. Contact your banker for specific thresholds and options for higher-value transfers.

What happens if information is incorrect?

Incorrect or incomplete information can cause delays, returns, or misrouting. If a wire is returned or requires correction, additional fees or processing time may apply.

Getting Assistance

If you need help initiating an international wire or want to discuss large or complex cross-border payment needs, reach out to a banking representative or your relationship manager for guidance. They can help you understand routing options, fee allocation, documentation requirements, and best practices for efficient international transfers.

Ameris Bancorp’s International Wire Transfer service is built to combine global capability with attentive local service, helping you move money across borders with confidence.

Address Bank: Atlanta, Georgia, U.S.
Bank: Ameris Bancorp
Headquarters: Atlanta
Products: Payments & Transfers
Type: International Wire Transfer