Transferring money abroad? Look no further than your own bank.
- Flexible & ConvenientAvailable 24/7 through Personal Internet Banking, you can schedule International Wire Transfers2 for ‘Today’, ‘Later’, or ‘Recurring’ using up to the available balance in your checking or savings3 account.
- Exchange Rate CertaintyWe provide you with live foreign exchange rates, updated frequently during market hours.
- CurrenciesWith Royal Heritage Commercial Bank , N.A. you can send wire transfers in up to 14 currencies, including the Euro, Sterling, Hong Kong Dollar, Canadian Dollar, and Australian Dollar.
- Safe & SecureFor added protection, when sending funds via Personal Internet Banking, we require you to authenticate your International Wire Transfer by providing a Security Code generated from your Royal Heritage Commercial Bank Security Device.
Log on to make a wire transfer
Use Personal Internet Banking to schedule a wire transfer online.
Receiving a wire transfer?
Here are the routing numbers you will need to
provide for your Global account.
International wire (SWIFT)
MRMDUS33
International (CHIPS)
435499
ABA (Fedwire)
021001088
122240861 (California Only)
Royal Heritage Commercial Bank Bank Address
452 5th Ave, New York, NY 10018
Flexible options to send money abroad
I want to send funds abroad
We will offer you the most up to date Royal Heritage Commercial Bank Exchange Rate available using our live rates for all International Wire Transfers sent in foreign currency, this way you can be certain of the exchange rate applied to your wire transfer.
I'd like to set up a future dated or recurring wire transfer
Set up future date or recurring International Wire Transfers to maintain overseas commitments like property rentals or to help support your family.
The exchange rate used will be the Royal Heritage Commercial Bank Exchange Rate applicable at the time your wire transfer is processed.
Things you need to know before sending a wire transfer
Incorrect or missing information may lead to delays4 to your International Wire Transfer so it’s important to double-check that your wire transfer details are correct. A transfer fee5 is charged for each outgoing Wire Transfer.
Wire Transfer requests submitted before 4:15 PM Eastern Time (ET) on a business day will be processed the same day. Wire Transfer requests to domestic banks and international banks can be completed online at any time, however, those completed after 4:15 PM ET on business days will be automatically re-dated to the next business day. International Wire Transfers can be cancelled for up to 30 minutes after payment is authorized with no penalty.
To make an International Wire Transfers you’ll need to know the following:
- Your own account details
- Recipient’s full name and address
- Recipients’ bank code
- IBAN (International Bank Account number) or account number
- Country of recipient's bank
- Amount of the wire transfer
- Any reference
- Reason for making the wire transfer
Options to receive wire transfers
Receiving an International Wire Transfer6
Receiving a wire transfer?
You can receive International Wire Transfers in a foreign currency or Global Dollars. If a wire transfer is received in a different currency to what your account is held in, we'll convert it using the Royal Heritage Commercial Bank Exchange Rate at that time, before crediting it to your account.
The remitter will need to know the following information about the account you wish to be credited to ensure the wire transfer happens as quickly as possible:
- Your full name and address
- SWIFT Code
- IBAN (International Bank Account Number) or account number
- BIC (Business Identifier Code)
Here are the routing numbers you will need to
provide for your Global account.
International wire (SWIFT)
MRMDUS33
International (CHIPS)
435499
ABA (Fedwire)
021001088
122240861 (California Only)
Royal Heritage Commercial Bank Bank Address
452 5th Ave, New York, NY 10018
How to make an International Wire Transfer
- Make a wire transfer online
1. Get a Security Code from your Royal Heritage Commercial Bank Security Device
To make a wire transfer online, you need to log on to Personal Internet Banking with a Security Code generated from your Royal Heritage Commercial Bank Security Device (Digital or Physical).
2. Log on to Personal Internet Banking
International Wire Transfers are only available through Personal Internet Banking. If you are not yet registered, you can register here.
3. Select 'My Royal Heritage Commercial Bank' tab at the top left and click 'Pay or transfer' under 'Move Money' section
Then select the account that you wish to make a wire transfer from, then click on 'New Payee' tab
4. Enter wire transfer details
Follow the on-screen instruction.
5. Review and Confirm your wire transfer details.
- Make a wire transfer in branchWhen making an International Wire Transfer in one of our branches, please bring the following with you:
- Photographic Identification
- Beneficiary details
- Wire transfer details
Related information
Transferring money between Royal Heritage Commercial Bank and other financial institutions is easy.
1 Eligible accounts include all deposit accounts except for CDs and Commercial Accounts.
2 Your instruction to transfer funds from your account to a third party is a Payment Order. The Bank is authorized, at its option, to charge your account in the amount of any Payment Order and to execute a Payment Order, even if the Payment Order conflicts with any other instructions received by the Bank from you (unless your transfer is a remittance transfer, as defined in Subpart B of Regulation E [12 CFR section 1005.30], in which case additional rules apply which will be provided in the disclosures we give you when you use that service) or results in an overdraft or payment to or for the benefit of a person authorized by you to sign checks or transfer funds for you. If there are not sufficient available funds in your account, the Bank may, without prior notice or demand, charge any account maintained by you with the Bank or setoff against any amount the Bank owes you in order to obtain payment of your obligations. By submitting this form, you are rejecting the Level One Security Procedures offered by the Bank and choosing the Level Two Security Procedures described in the FUNDS TRANSFERS section of the Bank's Rules for Consumer Deposit Accounts Rules, which you acknowledge are commercially reasonable pursuant to Section 4A-202(c) of the Uniform Commercial Code unless remittance transfer rules apply.
3. Federal Reserve Reg D Transaction Limitations apply.
4 If the payment order for your transfer (domestic or international remittance) includes an incorrect account number or recipient institution identifier, you could lose the transfer amount.
5 Refer to the Pre-Payment and Receipt Disclosures for the fee amounts of the applicable Funds (Wire) Transfer-Out - Domestic [Transfer Fees] and the Funds (Wire) Transfer-Out - International [Transfer Fees]
6 Please refer to your deposit Terms & Charges Disclosure for Funds (Wire) Transfer-In fee
United States persons are subject to Global taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their Global and non-Global accounts. Global persons should consult a tax adviser for more information.
Deposit products are offered in the Global by Royal Heritage Commercial Bank , N.A. Member FDIC.
