Regions Bank International Wire Transfer and Exchange Rate Review
Regions' May 2026 personal schedule lists $50 outgoing and $18 incoming international wire fees. Foreign debit-card transactions add a 3% assessment.
Overview
Regions Bank supports incoming and outgoing international wires for eligible US accounts. Its personal pricing schedule effective 11 May 2026 lists a $50 outgoing international wire fee and an $18 incoming fee.
When Regions converts currency, the exchange rate also affects the recipient amount. The fixed wire fee should therefore be considered alongside the customer rate and possible intermediary or recipient-bank deductions.
Regions debit cards can be used internationally, subject to country controls. Regions charges a 3% International Service Assessment on covered foreign transactions, and international ATM withdrawals have a separate $5 fee.
Compare Regions Bank exchange rates
Use the live comparison below to compare Regions Bank with other available services for your transfer.
Best For
- Existing Regions customers who need a branch-supported international wire.
- Customers receiving an overseas wire into a Regions checking account.
- US businesses needing online international wires or more advanced FX services.
- Travellers who understand the separate card and ATM fees.
It is less suitable when the main priority is a low-cost small personal transfer or cash pickup.
Pros and Cons
Pros
- Incoming and outgoing international wires are supported.
- Regions publishes personal international wire fees.
- SWIFT information is available for incoming transfers.
- Commercial customers can access online FX, multicurrency and hedging services.
Cons
- The standard personal outgoing international wire fee is $50.
- Incoming international wires carry an $18 fee.
- The exchange rate can add cost beyond the fixed fee.
- Overseas debit transactions add a 3% assessment.
- International ATM withdrawals cost $5 plus possible operator charges.
Fees Summary
| Regions activity | Published standard fee |
|---|---|
| Outgoing international wire | $50 under the personal pricing schedule effective 11 May 2026. |
| Incoming international wire | $18. |
| Wire amendment | $30. |
| Wire recall | $45. |
| International debit-card transaction | 3% International Service Assessment. |
| International ATM withdrawal or transfer | $5, plus possible ATM-owner fees. |
Product exceptions can apply. Confirm the fee and customer exchange rate before authorising a wire.
Exchange Rates and Wire Details
Regions publishes UPNBUS44 as its international wire routing or SWIFT address and UPNBUS44MIA for Miami. Customers should use the instructions supplied for their particular account and currency.
Regions' commercial FX service offers real-time customer pricing, spot transactions, forwards, swaps and multicurrency accounts. Those business features should not be assumed to be included with every personal checking account.
Overseas Card Use
Regions says debit-card transactions processed outside the US or US territories incur a 3% fee. If conversion is required, Visa applies its network conversion process, which can differ from the mid-market rate.
An international ATM withdrawal also carries Regions' $5 charge and may attract an operator fee. Choose local currency at an ATM or merchant unless you intentionally accept dynamic currency conversion. Travellers can compare the Wise debit card, which uses the mid-market rate with a separately disclosed conversion fee; availability and pricing vary.
Speed
International-wire timing depends on the destination, currency, beneficiary bank, intermediary routing, cutoff time and compliance checks. Regions does not publish one delivery window that applies to every personal international wire.
Ask for the expected value date and track the payment through Regions. A wire may be delayed when beneficiary information or purpose-of-payment details are incomplete.
Safety and Account Checks
Verify the beneficiary name, account number, bank code and SWIFT details independently. Wire payments are difficult to reverse, and Regions lists separate fees for recalls, amendments and investigations.
Regions Bank is a Member FDIC. Deposit insurance does not cover an authorised scam payment or guarantee that a completed wire can be recovered.
Verdict
Regions provides conventional international-wire access with clearly published personal fees and more advanced services for businesses. The $50 outgoing charge makes the total exchange cost important, particularly on smaller wires.
Compare the recipient amount after the exchange rate, fixed fee and possible bank deductions. For overseas card spending, include both the 3% Regions assessment and the applicable Visa conversion.
Frequently Asked Questions
How much does Regions charge for an international wire?
Its May 2026 personal pricing schedule lists $50 outgoing and $18 incoming.
What is Regions Bank's SWIFT code?
Regions publishes UPNBUS44 for international wires and UPNBUS44MIA for its Miami operation.
Does Regions charge a foreign debit-card fee?
Yes. Regions lists a 3% International Service Assessment on covered foreign transactions.
Does a $50 wire fee include the exchange-rate cost?
No. Currency conversion and third-party deductions can affect the delivered amount separately.
Methodology and Sources
This review was checked against current Regions personal pricing, wire, debit-card and commercial FX information on 16 July 2026.
Primary sources:
- Regions personal pricing schedule effective May 2026
- Regions international wire and routing information
- Regions international debit-card fees
- Regions debit-card agreement
- Regions commercial wire transfers
- Regions commercial foreign exchange
Affiliate Disclosure
BestExchangeRates may receive compensation from some services displayed in comparison results. Regions Bank is included for comparison and is not represented as an affiliate partner.
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.