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Does anyone know of any bank in America that will execute a wire transfer to another country for a customer who does not hold an account with them? Or do most banks require you to hold an account with them?

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    I think you are looking for Western Union...
    – user29788
    Mar 29, 2018 at 1:08
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    And if the OP is looking for Western Union (or Moneygram, which had lower fees at my last check), remember that the money you send can not be recovered; if it is a scam you are screwed. Mar 29, 2018 at 1:12
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    You don't need an account with any bank to do a transfer. You can walk upto the teller, show your id, give the teller the amount, fill in the transfer form, pay the fee and take a receipt. If the amount is above a certain limit (usually, $10,000 or the equivalent in local currency) you have to provide a source of funds. Mar 29, 2018 at 10:01
  • @BurhanKhalid That sounds like an answer instead of a comment.
    – Peter M
    Mar 29, 2018 at 11:56
  • @AndrewLazarus No different from a wire transfer, cashier's check or money order...
    – user71659
    Mar 30, 2018 at 1:05

3 Answers 3

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Where would the money come from, if you do not have an account with that bank? Are you trying to bring cash to a bank to turn in to a wire?

In any case, the answer is probably no. Banks are required to verify identity for international transfers as an anti-terrorism and anti-laundering practice. Nothing, as far as I know, stops you from opening an account in a bank, depositing the money, and sending a wire with it, provided you have suitable identification.

We might be of more help if we knew why you needed to do this, in case alternative methods of transfer are available. For small amounts, for example, you could use an International Postal Money Order.

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  • "In any case, the answer is probably no. Banks are required to verify identity for international transfers as an anti-terrorism and anti-laundering practice" can't the bank verify the ID without the opening a new account? Jun 4, 2020 at 15:42
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I've personally used TransferWise. To send to and from the USA, seem to be pretty low rates and easy to use. You do not need to have the same bank as the sender or receiver. Was using PayPal at first but that's very expensive especially when sending a big amount.

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I've used http://xe.com/ and https://www.moneycorp.com/uk/ to move money from the the US to Europe (family). My bank would do it as well, but these services are a lot cheaper.

Of course you need an account with them, but it's not a big deal: open the account, deposit the money, transfer the money, close the account or let it sit empty. It's similar to opening an account with an online retailer like amazon.com.

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