PNC Bank Exchange Rates and International Transfers
PNC offers international wires plus a lower-fee International Money Transfer service to ten Latin American countries. Fees and delivery depend on the route and channel.
Overview
PNC customers can request international wires from eligible personal checking or savings accounts through Online Banking, the PNC Mobile app or a branch. PNC also offers a separate International Money Transfer service for person-to-person payments to ten Latin American countries.
The standard Virtual Wallet schedule effective 31 May 2026 lists a self-service foreign-currency wire at $5, a self-service international USD wire at $40 and an agent-assisted international wire at $50. The Latin America transfer product costs $5 digitally or $10 in a branch.
PNC does not publish one universal FX markup for every wire. Review the exchange rate, disclosed fees and expected delivery amount in the authenticated quote.
Compare PNC Bank exchange rates from US dollars.
Compare PNC Bank exchange rates
Use the live comparison below to compare PNC Bank with other available services for your transfer.
Best For
- Existing PNC checking or savings customers.
- Customers who want to send an international wire online, in the app or through a branch.
- People sending family remittances to supported Latin American destinations.
- Senders who need account deposit or selected cash-pickup options in Latin America.
- Customers receiving international funds into a PNC account.
Pros and Cons
Pros
- Personal international wires can be initiated digitally.
- A self-service foreign-currency wire currently has a $5 PNC fee.
- The separate Latin America service offers $5 digital transfers and expected delivery within one business day.
- PNC discloses applicable intermediary fees before submission when they are known or estimated.
- International receiving instructions and foreign-currency correspondent details are published.
Cons
- A self-service international wire sent in US dollars currently costs $40.
- An agent-assisted outgoing international wire currently costs $50.
- Fees vary by account type and may differ from the Virtual Wallet schedule.
- International wire timing varies by destination, bank and amount.
- Recipient-bank fees and taxes may reduce the delivered amount.
- The lower-fee International Money Transfer product is limited to supported routes and transaction amounts.
Fees Summary
PNC's Virtual Wallet schedule effective 31 May 2026 lists:
| Transfer type | Standard PNC fee |
|---|---|
| Self-service international wire in foreign currency | $5 |
| Self-service international wire in US dollars | $40 |
| Agent-assisted outgoing international wire | $50 |
| Incoming international wire | $15 |
| Self-service International Money Transfer | $5 |
| Agent-assisted International Money Transfer | $10 |
PNC notes that account-specific pricing applies. Correspondent-bank costs and other expenses may be added, and a recipient bank may assess fees or taxes.
The foreign-currency wire uses PNC's applicable exchange rate. Because PNC does not publish a standard percentage markup, compare the final recipient amount with other services for the same route.
International Money Transfers to Latin America
PNC's separate remittance service supports Mexico, Dominican Republic, Guatemala, El Salvador, Honduras, Panama, Colombia, Ecuador, Peru and Bolivia. It can send to supported bank accounts, while branch transactions can also support cash pickup on eligible routes.
Digital transfers cost $5 and branch transfers cost $10. Most digital routes have a $1,500 daily limit and $3,000 monthly limit, while BBVA Mexico supports up to $10,000; branch limits vary by deposit or cash pickup. Check the current route table because availability and limits can change.
Speed
PNC says the Latin America International Money Transfer service is expected to deliver within one business day. International wire timing varies by destination country, recipient bank and amount.
For a wire, PNC provides an availability date during submission. Security review, intermediary processing, weekends and incorrect recipient information can cause delays.
Receiving an International Wire
PNC publishes SWIFT code PNCCUS33 for international transfers to a PNC account and routing number 043000096 for domestic wires. The sender may also need the recipient's account number, name, address and contact details.
Foreign-currency payments may be routed through a currency-specific correspondent bank. Use PNC's current receiving instructions rather than copying an old intermediary-bank list.
Safety and Market Scope
PNC Bank, National Association is a member of the FDIC. Its US retail service is distinct from PNC Canada Branch; the latter has separate accounts and instructions.
Only send wires or remittances to people and businesses you know and trust. Confirm account information independently because completed bank transfers may be difficult to recover.
Verdict
PNC provides useful choices for existing US customers: general international wires for broad destinations and a lower-fee remittance product for selected Latin American routes. The digital channels and published fee schedule make the starting fee relatively clear.
The final cost still depends on the exchange rate and possible third-party deductions. Compare recipient amounts, and check whether the $5 Latin America service is available before defaulting to a $40 or $50 international wire.
Frequently Asked Questions
Can PNC customers send an international wire online?
Yes. Eligible personal checking and savings customers can initiate an international transfer through Online Banking or the PNC Mobile app, subject to account and route restrictions.
What is PNC's SWIFT code?
PNC publishes PNCCUS33 for international transfers to PNC Bank, N.A. accounts.
Is PNC's Latin America transfer product a wire?
It is a separate International Money Transfer service with its own supported countries, providers, limits, delivery methods and fees. If it is unavailable for a transaction, international wire fees apply.
Methodology and Sources
This review was checked against current PNC consumer service pages, its Virtual Wallet schedule effective 31 May 2026 and official receiving instructions on 14 July 2026.
Primary sources:
- PNC wires and international transfer help
- PNC Virtual Wallet fee schedule
- PNC International Money Transfers
- PNC foreign-currency exchange services
- PNC foreign-currency receiving instructions
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BestExchangeRates may receive compensation from some services displayed in comparison results. This does not change the rate or fee charged to you. PNC Bank is included for comparison and is not represented as an affiliate partner in this review.
Disclaimer: Please note any provider recommendations, currency forecasts or any opinions of our authors should not be taken as a reference to buy or sell any financial product.