PNC's wire routing number is 043000096

PNC Bank uses the routing number 043000096 for domestic wire transfers. This nine-digit code tells the Federal Reserve and other banks where to send money when someone wires funds to a PNC account. The number is the same regardless of which PNC branch you use or which state you're in.

Wire routing numbers differ from ACH routing numbers (used for direct deposits and bill payments) and from the routing number printed on the bottom left of your check. If you're sending a wire transfer to a PNC account, use 043000096. If you're receiving a wire and need to give someone your routing number, confirm with PNC first — they may ask for a different code depending on the type of transfer.

Key Takeaways

  • PNC's domestic wire routing number is 043000096, and it applies to all PNC accounts nationwide.
  • Wire routing numbers are different from ACH routing numbers and check routing numbers, so make sure you're using the right one for the type of transfer you need.
  • You will also need the recipient's account number and full name to complete a wire transfer, along with the receiving bank's name and address.
  • PNC charges a fee for outgoing wire transfers, typically between $15 and $30 depending on whether the wire is domestic or international.
  • If you're unsure whether 043000096 is correct for your specific transfer, call PNC directly at 1-800-PNC-BANK before sending money.

When to use the wire routing number versus other routing numbers

Your PNC check has a routing number printed on it, but that number may not be the correct one for a wire transfer. Check routing numbers and wire routing numbers are maintained separately by the banking system. Using the wrong number can delay your transfer or send it to the wrong account.

If you're setting up a direct deposit (such as a paycheck or government benefit) or paying a bill through your bank's bill-pay system, you'll use a different routing number than the wire number. PNC's ACH routing number varies by state and account type. Ask PNC which routing number to give your employer or the organization sending you money — do not assume it's the same as the wire number.

Information you'll need to send a wire transfer from PNC

Beyond the routing number, you must have the following details before you initiate a wire:

  • The recipient's full name (exactly as it appears on their account)
  • The recipient's account number
  • The name and address of the bank where the recipient's account is held
  • The amount you want to send
  • The purpose of the transfer (optional but sometimes requested)

If the recipient's bank is outside the United States, you may also need a SWIFT code (an international bank identifier) instead of or in addition to the routing number. PNC can tell you whether you need a SWIFT code for the specific country and bank you're sending to.

How to send a wire transfer through PNC

You can initiate a wire transfer through PNC in three ways: online through your PNC account, by phone, or in person at a branch. Online is usually the fastest if you've already set up the recipient as a payee in your account. By phone, call 1-800-PNC-BANK and speak to a representative. In person, bring your ID and the recipient's information to any PNC branch.

PNC will ask you to confirm the recipient's name and account number before processing the wire. Double-check these details — wires are difficult to reverse once sent. The bank will also confirm the fee (typically $15 to $30 for domestic wires, higher for international) and deduct it from your account along with the transfer amount.

Processing time for domestic wires is usually the same business day if you send before the bank's cutoff time, which is typically 2 p.m. Eastern Time on weekdays. Wires sent after the cutoff or on weekends may not process until the next business day.

Wire transfers to PNC accounts from other banks

If someone outside PNC wants to send you money via wire, give them PNC's routing number (043000096), your account number, and your full name. They will also need the PNC branch address or the main PNC address. You can find PNC's wire instructions on their website or by calling 1-800-PNC-BANK.

Incoming wires typically arrive within one business day. Some banks hold incoming wires for a short period before crediting them to your account, so the money may not be available immediately even if it has been received. PNC will notify you when the wire arrives.

Fees and limits for PNC wire transfers

PNC charges an outgoing wire fee for each transfer you send. Domestic wires (within the United States) typically cost $15 to $30. International wires cost more, often $35 to $50 or higher depending on the destination country and whether the receiving bank charges an additional fee. Some PNC account types waive wire fees — check your account terms or call PNC to confirm.

There is no standard limit on how much you can wire, but PNC may place temporary holds on very large transfers or ask you to verify the recipient. If you regularly send large wires, contact PNC in advance to discuss your needs.

Frequently Asked Questions

Is 043000096 the same for all PNC customers?

Yes. This routing number is used for all domestic wire transfers to any PNC account, regardless of the branch or state. However, if you're receiving a wire and the sender is asking for a routing number, confirm with PNC first — some international wires or special account types may require a different code.

What's the difference between a wire routing number and the routing number on my check?

The routing number on your check is used for ACH transfers and check processing. The wire routing number (043000096) is used only for wire transfers. Using the wrong number can send your money to the wrong place or delay the transfer. Always verify which number you need before sending money.

How long does a wire transfer take?

Domestic wires sent before 2 p.m. Eastern Time on a business day usually arrive the same day. Wires sent after the cutoff or on weekends process the next business day. International wires can take one to three business days depending on the destination country and the receiving bank's processing time.

Can I cancel a wire transfer after I send it?

Once a wire is sent, it is very difficult to cancel. Contact PNC immediately if you need to try. Success depends on whether the receiving bank has already processed the transfer. This is why it's critical to verify all recipient details before sending.

Do I need a SWIFT code to wire money internationally from PNC?

Yes, for most international wires you will need the recipient bank's SWIFT code instead of a routing number. PNC can tell you what information you need for the specific country and bank. International wires also cost more and may take longer than domestic transfers.