International Wire Transfer — Bank of Hawaii

Send and receive secure global payments with the Bank of Hawaii International Wire Transfer service. Designed for individuals and businesses that require reliable cross-border money movement, our international wire transfer product combines speed, robust security, clear fee structures, and global reach to help you complete transactions with confidence. Whether paying tuition overseas, reimbursing a supplier, funding an international property purchase, or sending financial support to family abroad, our service is tailored to make transfers straightforward and transparent.

Key Benefits

• Global reach: Access correspondent banking networks and send funds to most countries and major currencies worldwide.
• Security and compliance: Multi-layered security protocols and regulatory compliance to protect your funds and personal information.
• Speed: Competitive processing times with same-day or next-business-day delivery for many corridors when initiated within cut-off times.
• Clear fees: Transparent fee disclosures so you know the cost of sending an international wire before you confirm the transfer.
• Support for businesses: Structured solutions for payroll, supplier payments, and multi-currency cash management.
• Tracking and confirmation: Traceable transactions with confirmation once funds are delivered or when intermediary banks act on the transfer.

How It Works

Initiating an international wire transfer with Bank of Hawaii is simple and secure. Provide the sender and recipient details, choose the currency and amount, review fees and exchange rates, and authorize the payment. Bank of Hawaii will route the payment through its correspondent bank network or a designated correspondent bank to reach the beneficiary’s financial institution. You will receive a confirmation and reference number to track progress until completion.

What You Need to Send a Wire

• Valid identification and an active Bank of Hawaii account or approved business relationship.
• Recipient full name or business name as registered with their bank.
• Recipient bank’s name, account number, and address (if required by destination country).
• SWIFT/BIC code, IBAN, or other relevant routing details for the beneficiary bank — depending on destination.
• Purpose of payment and any documentation required for compliance or foreign exchange control.

Processing Times and Cut-Offs

Transfer timing depends on destination, currency, and intermediary banks involved. Many transfers to major currency corridors are processed same day or next business day when submitted before our daily cut-off. Transfers to countries with additional regulatory checks or less developed correspondent links may take longer. We recommend allowing several business days for delivery and initiating time-sensitive transfers in advance.

Fees and Exchange Rates

International wire transfers may include a sending fee from Bank of Hawaii, fees charged by intermediary banks, and receiving bank charges. Exchange rates applied to currency conversions reflect market conditions plus a margin. All applicable fees and the exchange rate will be disclosed during the transfer setup so you can make an informed decision before authorizing the payment.

Security and Compliance

Protecting your funds and identity is our priority. Bank of Hawaii implements advanced encryption, multi-factor authentication, and transaction monitoring to detect suspicious activity. All transfers are subject to anti-money laundering (AML) and sanctions screening. In some cases, additional documentation may be requested to meet regulatory requirements and to ensure the lawful purpose of funds.

Use Cases

• Personal remittances: Support family overseas or fund living expenses with dependable delivery.
• Education: Pay tuition and overseas educational expenses in local currency on behalf of students.
• Real estate: Manage deposits and payments for international property transactions.
• Business payments: Settle invoices, pay suppliers, and manage international payroll with traceability and record-keeping.
• Investments and transfers: Move capital between jurisdictions in compliance with regulatory obligations.

Tips for Faster, More Reliable Transfers

• Provide complete and accurate beneficiary details to reduce delays from queries or returned wires.
• Initiate transfers early in the business day and take into account weekends and recipient-country public holidays.
• Confirm the beneficiary’s preferred receiving currency to avoid unwanted conversions by intermediary or receiving banks.
• Retain and share the payment reference with the recipient to facilitate reconciliation on their side.
• Anticipate potential documentation requests for large-value transfers to streamline compliance checks.

Tracking and Support

Each international wire transfer includes a unique reference for tracking. Use this reference to inquire about the status of your transfer. Our customer service and dedicated relationship teams can assist with tracing funds, clarifying fees, and addressing questions about documentation and compliance. If an intermediary or beneficiary bank returns a wire, our team will work with you to resolve the issue and, when appropriate, re-initiate the transfer.

Frequently Asked Questions

Can I cancel a wire after it has been sent? Cancellations are possible only if the funds have not been processed by the receiving or intermediary banks. Contact support immediately to request a stop or recall; outcomes depend on processing status and correspondent bank actions.

What information is mandatory for international transfers? Required details typically include beneficiary name, account number or IBAN, beneficiary bank SWIFT/BIC, exact amount, and purpose of payment. Certain destinations may request additional data.

Are there limits on how much I can send? Transfer limits may vary based on account type, customer profile, regulatory requirements, and internal risk policies. For larger or recurring transfers, speak with your relationship manager to discuss options and documentation.

Get Started

Bank of Hawaii’s international wire transfer service provides a professional, secure way to move money across borders. Whether you are acting for personal matters or managing complex business payments, our team is committed to delivering timely execution, transparent costs, and attentive support throughout the process. For tailored solutions or assistance preparing documentation, reach out to your relationship manager or visit your nearest branch to speak with an international payments specialist.

Address Bank: Honolulu, Hawaii, U.S.
Bank: Bank of Hawaii
Headquarters: Honolulu
Products: Payments & Transfers
Type: International Wire Transfer