ExpressSend Mobile sends consumer funds abroad through the app
The service is available only within the Wells Fargo Mobile app, using an eligible Wells Fargo consumer checking or savings account to send money to friends and family in selected countries outside the United States. Depending on the receiving location’s available methods, the designated recipient receives account credit or cash pickup.
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You can only use the Service within the Wells Fargo Mobile® app to send money to friends and family in select countries outside the United States from your eligible Wells Fargo consumer checking or savings account.
Depending on the delivery methods available at receiving location, you can send funds for credit to the recipient’s account or for cash pick-up by the Recipient.
Qualifications & exceptions
Only eligible consumer checking or savings accounts and selected destination countries.
Delivery options depend on the receiving location.
Charges & Financial Obligations · Restriction or exception
Business and third-party transfers are prohibited; minors cannot enroll
The service is for consumer use. By using it, you represent that transfers are not for commercial or business purposes or on behalf of third parties. People below the age of majority cannot enroll. You also agree to provide source-of-funds documentation if Wells Fargo requests it.
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The Service is intended for consumer use and is not to be used for commercial or business payments. By using the Service, you represent that the International Transfer is not being sent for commercial or business purposes or on behalf of third parties. Minors (persons who have not reached the age of majority) may not enroll in the Service. You agree to provide documentation supporting the source of funds remitted using the Service upon our request.
Qualifications & exceptions
Source-of-funds documentation is required upon request.
Cross-references
referred to by (model-proposed): Either party may end service use at any time without notice — The termination provision identifies commercial or business payments as one example of the consumer-use restriction leading to loss of access.
Charges & Financial Obligations · Procedure
You are responsible for complete and correct recipient details
When adding a recipient, you must provide their name, destination-country physical address and telephone number, and choose delivery method and receiving location. PO boxes are prohibited; the phone number must be from the destination country or United States. Wells Fargo cannot send without these details. You are responsible for the correct recipient, receiving location and applicable account number.
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Supporting quotations
When adding a recipient, you must provide the name, address, and telephone number of your Recipient, and you must select the delivery method and receiving location to which your funds may be sent.
Post Office Box addresses are not allowed. The telephone number you provide for your Recipient must be a number in the country to which your International Transfer is to be sent or a U.S. telephone number. We will be unable to send an International Transfer if you do not provide this information.
For all International Transfers, it is your responsibility to provide the correct information for your Recipient, the receiving location, and, where applicable, the Recipient’s account number to be credited.
Qualifications & exceptions
The physical address must be in the destination country; the phone may instead be a U.S. number.
Charges & Financial Obligations · Procedure
Account delivery requires a qualifying account and exact details
For account delivery, provide the recipient’s qualifying account number and name exactly as held by the receiving location. Ensure the account accepts the transfer currency. The recipient must open and maintain that qualifying account under the receiving location’s terms and fees. An incorrect account number could cause loss of the entire transfer amount.
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Supporting quotations
you must provide the Recipient’s qualifying account number. The Recipient name you provide must be exactly as it appears on the account records at the receiving location. You must also ensure that the account you designate can accept transfers denominated in the International Transfer currency.
For International Transfer to Account, your Recipient must open and maintain a qualifying account with the receiving location. This account is subject to the terms and fees applicable to the account as determined by the receiving location.
YOU COULD LOSE THE ENTIRE TRANSFER AMOUNT IF THIS NUMBER IS INCORRECT.
Qualifications & exceptions
The account must accept the transfer currency and is subject to receiving-location terms and fees.
Charges & Financial Obligations · Restriction or exception
You must ensure the recipient can receive the funds
Some countries restrict minors’ financial transactions. You are responsible for checking that your recipient can receive funds at the designated receiving location; the addendum does not impose a blanket prohibition on all minor recipients.
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Some countries restrict or limit minors from performing certain financial transactions. It is your responsibility to ensure the Recipient can receive funds sent to the designated receiving location.
Qualifications & exceptions
Restrictions depend on the destination country and receiving location.
Charges & Financial Obligations · Context
Cash availability can be delayed by local conditions
Cash availability may be delayed by unexpected disasters, civil disturbances, system issues, currency availability, local regulations or required recipient actions. Security concerns may lead bank payout branches to suggest alternatives such as opening an account. Contact Wells Fargo promptly if the recipient has pickup problems.
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For a Cash Pick-up International Transfer sent to your Recipient, the availability of funds at a Receiving location may be delayed based on unanticipated conditions such as natural disasters, civil disturbances, system issues, currency availability, local regulatory requirements, or required receiver action(s). Location-specific security concerns may also prompt payout branches of bank receiving locations to suggest alternatives (such as opening an account) to carrying large amounts of cash out of the branch. Please contact us as soon as possible if your Recipient experiences any issues with the cash pick-up.
Charges & Financial Obligations · Restriction or exception
Minimum transfer amounts can change
Each transfer has a minimum amount that can change at any time. Current minima are available at wellsfargo.com/limits or 1-800-556-0605; this source does not specify a dollar minimum. Receiving locations may also count transfers from all providers toward their recipient transfer-count limits.
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There is a minimum amount for each International Transfer which is subject to change at any time. In addition, in many cases a receiving location may also apply limits to the number of transfers that an individual may pick up or receive during the noted period of time — not just Wells Fargo ExpressSend transfers but transfers from all International Transfer providers. For current minimum transfer limits, call us at 1-800-556-0605 or check our website at wellsfargo.com/limits.
Not stated here
No current numerical minimum is provided in this source.
Charges & Financial Obligations · Restriction or exception
Transfers face $5,000 daily and $12,500 rolling 30-day ceilings
You cannot exceed any applicable limit. The aggregate daily service ceiling is $5,000, subject to lower per-recipient daily limits. The combined service ceiling over any rolling 30-day period is $12,500, also subject to daily, per-recipient and receiving-location limits. These are ceilings rather than guaranteed available amounts. The per-recipient amount is not specified here.
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You may not send an International Transfer that exceeds any of the following limits:
(a) Daily Limit Per Recipient — The maximum aggregate daily limit for amounts which you may transfer to each Recipient
(b) Service Option Limits — Subject to any lower limits set forth in (a) above, the maximum aggregate daily limit for amounts which you may transfer is $5,000 per day.
(c) Cumulative Limit — Subject to the limits set forth in (a) and (b) above, and the limits noted in (d) below, the maximum aggregate combined amount that you can send during any rolling 30-day period using the Service is $12,500.
Qualifications & exceptions
Lower per-recipient, daily and receiving-location limits still apply.
Not stated here
The source does not specify the current per-recipient daily dollar limit.
qualified by (model-proposed): Transfer limits may change without advance notice — The stated service ceilings are subject to later limit changes, which may occur without advance notice for the listed reasons.
Charges & Financial Obligations · Restriction or exception
Receiving locations may impose extra limits and reject transfers
Some receiving locations impose additional sender or recipient limits for specified periods, including amounts from combinations of transfer providers or receiving locations. Wells Fargo disclaims responsibility if those limits cause rejection. Call 1-800-556-0605 with limit questions.
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Some Receiving Locations have additional limits on the amount any one sender can remit, or any one Recipient can receive from any receiving location or combination of International Transfer providers during a specified time frame.
We are not responsible if your International Transfer is rejected because of a Receiving locations limits.
Qualifications & exceptions
Limits may count transfers involving other providers.
Charges & Financial Obligations · Permission or license
Transfer limits may change without advance notice
Wells Fargo may change limits without prior notice for security, compliance, receiving-location requirements or fraud concerns. Receiving locations may also change their limits without prior notice. Current limits are available at wellsfargo.com/limits.
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We may change our limits from time to time without prior notice based on security, compliance, Receiving location requirements, or fraud concerns. Please note that Receiving locations may also change limits without prior notice. For limits currently in effect, refer to our website at wellsfargo.com/limits.
Qualifications & exceptions
Wells Fargo lists security, compliance, receiving-location requirements and fraud concerns as its reasons.
Charges & Financial Obligations · Restriction or exception
Transferred funds lack FDIC insurance and receiving-location guarantees
Receiving locations are not Wells Fargo affiliates. No Wells Fargo company guarantees deposits or funds kept there or accepts responsibility for those institutions’ actions or inaction. Once transferred, funds are not FDIC insured.
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The receiving locations are not affiliates of any Wells Fargo company, and no Wells Fargo company guarantees deposits or funds maintained at any of these institutions; nor is any Wells Fargo company responsible for the actions or inaction of these institutions. Once funds are transferred, they are NOT FDIC insured.
Qualifications & exceptions
The insurance statement applies once funds have been transferred.
Cross-references
contrast (model-proposed): The footer identifies Wells Fargo deposit products as Member FDIC — FDIC membership is stated for deposit products. The transfer provision separately says funds are not FDIC insured once transferred, so the footer does not promise remittance insurance.
Charges & Financial Obligations · Procedure
Report transfer errors within 180 days of the disclosed availability date
If you believe an International Transfer error occurred, notify Wells Fargo no later than 180 days after the disclosed date funds would be available to the recipient. Call 1-800-556-0605 or write Wells Fargo Bank, N.A., MAC N9777-113 GRS, PO Box 5106, Sioux Falls, SD 57117-5106.
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If you believe an error has occurred with respect to an International Transfers you must notify us no later than 180 days after the “availability date” (the date when funds will be made available to the Recipient) disclosed to you. You may notify us by calling 1-800-556-0605 or writing to us at: Wells Fargo Bank, N.A. MAC N9777-113 GRS PO Box 5106 Sioux Falls, SD 57117-5106
Qualifications & exceptions
The clock starts at the disclosed availability date.
Error reports request contact and transfer-identifying information
Requested error-report information includes your name, address and a phone number reachable during Pacific daytime hours, together with the transfer date, amount and Wells Fargo ExpressSend reference number. The following error-report provisions also request recipient and error details.
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Supporting quotations
When you contact us, please provide the following information:
Your name, address, and the telephone number where we can reach you during Pacific daytime hours;
The date, amount, and Wells Fargo ExpressSend reference number for your International Transfer;
Qualifications & exceptions
The listed phone number should reach you during Pacific daytime hours.
An error report should identify the transfer, recipient and problem
When reporting an error, provide your name, address and phone number reachable during Pacific daytime hours; the transfer date, amount and ExpressSend reference number; the recipient’s name and phone number; the receiving location; and a description of the problem and why you believe it is an error.
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Your name, address, and the telephone number where we can reach you during Pacific daytime hours;
The date, amount, and Wells Fargo ExpressSend reference number for your International Transfer;
The Recipient’s name and the Recipient's telephone number;
The name of the receiving location where the International Transfer was sent; and
A description of the error or problem with your International Transfer, and why you believe it is an error or problem.
Qualifications & exceptions
The contact number should reach you during Pacific daytime hours.
Charges & Financial Obligations · Company commitment
Wells Fargo promises an error determination within 90 days
Wells Fargo will determine whether an error occurred within 90 days after you contact it, correct any error promptly and report the result within three Business Days after completing its investigation and determination. If it finds no error or a different error, it will send a written explanation. You may request copies of documents used in the investigation.
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Wells Fargo will determine whether an error occurred within 90 days after you contact us, and we will correct any error promptly. We will contact you with the results within three Business Days of completing our investigation and making our determination. If we identify that there was no error, or an error occurred that is different from the one you described, Wells Fargo will send you a written explanation. You may ask for copies of any documentation we used in our investigation.
Qualifications & exceptions
The three-Business-Day result notice follows completion of the investigation and determination.
Cross-references
contrast (model-proposed): Extra error or fraud detection is discretionary and may delay a transfer — Optional detection of erroneous or unauthorized transfers differs from the express investigation and correction commitments after an error report. The discretionary-detection disclaimer is not treated as canceling those commitments.
Charges & Financial Obligations · User right or choice
Cancellation within 30 minutes has a conditional full refund
You have the right to cancel within 30 minutes of completing the transfer. Wells Fargo promises to refund all funds paid to it, including fees and taxes, unless the transfer has already been picked up or deposited into the recipient’s account. The refund is credited to your account within three business days after cancellation. If you do not contact Wells Fargo within 30 minutes, cancellation may be unavailable.
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You have the right to cancel an International Transfer within 30 minutes of completing it. If you do not contact us within 30 minutes of completing the International Transfer, you may not be able to cancel it. If you cancel your International Transfer within 30 minutes, we will refund all funds paid to us, including all fees and taxes, unless the international Transfer has already been picked up or deposited into your Recipient’s account. We will provide your refund by crediting your account within three business days after you cancel the International Transfer.
Qualifications & exceptions
The refund promise excludes transfers already picked up or deposited.
The account credit follows within three business days after cancellation.
Request cancellation through app Activity or by phone
Wells Fargo describes the app as the quickest cancellation route: sign in, go to Pay & Transfer > ExpressSend > Activity and select the transfer. You may also call 1-800-556-0605. Supply enough details to identify the transfer and authenticate yourself, generally including the amount and destination.
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The quickest and most efficient way to request a cancellation is by logging on to your Wells Fargo Mobile® app. After you sign on, go to Pay & Transfer > ExpressSend > Activity and select the transfer you wish to cancel. You may also call us at 1-800-556-0605. You must provide enough information so we can identify the International Transfer you wish to cancel. Generally, we need to know the amount of the transfer, where the funds were sent, and other information to identify and authenticate you.
Qualifications & exceptions
Enough transfer-identifying and user-authentication details must be provided.
Charges & Financial Obligations · Company commitment
After 30 minutes Wells Fargo will try to cancel without guaranteeing success
For requests more than 30 minutes after sending, Wells Fargo will try to cancel but disclaims responsibility if unable to do so. If it succeeds, it refunds all amounts paid to it, including fees and taxes. This paragraph does not give a refund deadline for these later cancellations.
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If you want to cancel an International Transfer more than 30 minutes after you send it, we will try to cancel it for you. We are not responsible if we are unable to cancel your International Transfer. If we are able to cancel your international Transfer, we will refund all amounts you paid to us, including all fees and taxes.
Qualifications & exceptions
The refund depends on successful cancellation.
Not stated here
No refund timing is specified for this later-cancellation paragraph.
Cross-references
contrast (model-proposed): Cancellation within 30 minutes has a conditional full refund — The first 30 minutes provide a cancellation right with the stated payout exception; later requests receive an attempt without guaranteed success. The later paragraph gives no refund deadline.
Charges & Financial Obligations · Permission or license
Unclaimed cash pickup may be canceled after 15 days without notice
A cash-pickup transfer not collected within 15 days may be canceled without notice. Unclaimed funds, including fees and taxes paid to Wells Fargo, will be refunded to you. The provision allows cancellation rather than promising every unclaimed transfer is automatically canceled on day 15.
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Any Cash Pick-up International Transfer not picked up by your Recipient within 15 days may be canceled without notice. The unclaimed funds, including any fees and taxes paid to us, will be refunded back to you.
Qualifications & exceptions
Applies to cash-pickup transfers left unclaimed for 15 days.
Charges & Financial Obligations · Permission or license
Wells Fargo reserves the right to reject transfer requests for any reason. All OAA terms apply, including restrictions on using online services outside the United States. It has no obligation to honor any instruction, in whole or part, that could violate applicable law, including OFAC and FinCEN requirements. The OAA’s detailed geographic restrictions are outside this source.
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We reserve the right to reject your International Transfer requests for any reason. All terms and conditions in the OAA apply, including specifically any restrictions regarding the use of online services outside the United States of America. We’re under no obligation to honor, in whole or in part, any payment order or other instruction that could result in our contravention of applicable law, including, without limitation, requirements of the U.S. Department of the Treasury’s Office of Foreign Assets Control (“OFAC”) and the Financial Crimes Enforcement Network (“FinCEN”).
Not stated here
The referenced OAA restrictions on online use outside the United States are not supplied.
Charges & Financial Obligations · Restriction or exception
Available funds must cover the transfer, fees and taxes
You may send only using available account funds and within applicable transfer limits. Wells Fargo determines availability under the Availability of Funds Policy described in your deposit account agreement. It will not allow a transfer if available funds are below the transfer amount plus associated fees and taxes.
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Subject to the transfer limits described above, you may only send an International Transfer using funds available in your account. Your available balance will be determined in accordance with our Availability of Funds Policy as described in your deposit account agreement. You will not be allowed to send an International Transfer if your available balance is less than the amount of your transfer and any associated fees and taxes.
Qualifications & exceptions
Available funds must cover associated fees and taxes as well as principal.
The transfer limits also apply.
Not stated here
The deposit agreement’s detailed funds-availability policy is not supplied.
Cross-references
qualified by (model-proposed): You agree to pay disclosed fees and applicable taxes — The available-balance requirement includes disclosed fees and applicable taxes, while the fee provision excludes taxes based on Wells Fargo net income.
Charges & Financial Obligations · Company practice
Foreign-currency transfers use Wells Fargo’s current exchange rate
If sending in a foreign currency, Wells Fargo converts the funds at its current exchange rate before sending them to the recipient. It directs users to wellsfargo.com/costestimator for estimated transfer costs and the current rate.
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If you are sending an International Transfer in a foreign currency, we will convert your funds to the foreign currency at our current exchange rate before sending the International Transfer to your Recipient. For an estimate of the cost of an International Transfer and the current foreign exchange rate, refer to the online International Transfer Cost Estimator online at wellsfargo.com/costestimator.
Qualifications & exceptions
Applies when the transfer is sent in a foreign currency.
Charges & Financial Obligations · Company practice
Wells Fargo sets a marked-up exchange rate and may refuse conversion
Wells Fargo makes money on currency conversion. It sets the rate in its sole discretion with a markup that may reflect costs, market risks and its desired return. Rates may differ from other quoted rates and among customers making similar transactions. Wells Fargo may refuse any foreign-exchange transaction request.
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Wells Fargo makes money when it converts one currency to another currency for you. The exchange rate provided to you is set by Wells Fargo in its sole discretion, and it includes a markup. The markup may be based on many factors, including without limitation costs incurred, market risks, and our desired return. The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere. Also, different customers may receive different exchange rates for transactions that are the same or similar. Wells Fargo reserves the right to refuse to process any request for a foreign exchange transaction.
Qualifications & exceptions
Rates may vary across customers for similar transactions.
Transfer fees can change; current charges are listed separately
International Transfer fees vary and may change at any time. The addendum directs users to the ExpressSend Service section of Wells Fargo’s Consumer and Business Account Fees page. The current fee schedule is also available on request. No dollar fee amount is supplied in this addendum.
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Supporting quotations
International Transfer fees vary periodically and are subject to change at any time.
titled ExpressSend® Service.
A copy of Wells Fargo's current fee schedule is also available to you on request.
Not stated here
The external fee schedule and current numerical transfer fees are not supplied.
Charges & Financial Obligations · Restriction or exception
You agree to pay disclosed fees and applicable taxes
You agree to pay transfer fees in the disclosed amounts and manner, applicable transfer taxes other than taxes on Wells Fargo’s net income, and any other additional fees that may apply.
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Supporting quotations
You agree to pay the International Transfer fees in the amounts and manner disclosed to you.
You also agree to pay taxes that are applicable to International Transfers (exclusive of taxes based on net income of Wells Fargo), as well as any other additional fees that may apply.
Qualifications & exceptions
Taxes based on Wells Fargo’s net income are excluded.
Cross-references
qualifies (model-proposed): Available funds must cover the transfer, fees and taxes — The available-balance requirement includes disclosed fees and applicable taxes, while the fee provision excludes taxes based on Wells Fargo net income.
The footer identifies Wells Fargo deposit products as Member FDIC
The footer says Wells Fargo Bank, N.A. offers deposit products and is Member FDIC. Its statement concerns deposit products; it does not state that transferred remittance funds are insured.
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Supporting quotations
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
Cross-references
contrast (model-proposed): Transferred funds lack FDIC insurance and receiving-location guarantees — FDIC membership is stated for deposit products. The transfer provision separately says funds are not FDIC insured once transferred, so the footer does not promise remittance insurance.