How to Wire Money Into a Bank Account

If you need to pay someone some money for something, such as for a present or you just owe him or her money, you can do so by wiring money directly into their bank account. You can wire money through your bank account, or from a service like Western Union. They normally have access to the money that you wire within a few hours.

1. Visit a place that handles the money transfer, such as your bank or a Western Union office. Tell them that you want to wire money into someone’s bank account. They will ask you to fill out some paperwork. You will have to give them the name of the person that will be receiving the funds, their bank name and router number on their check, and their checking account number.


2. Give them authorization to deposit the money from your checking account into the account you are wiring the money to. If you are transferring money through your bank, you can do this online if you have an account set up online with your bank. If you are using a service such as Western Union, you will have to visit their location to do this.


3. Understand that there is a fee that will be charged to your account for the wire transfer by the bank, or if you are using Western Union or other service, you will have to pay them the fee directly. This fee will vary, and can be as low as $10.00 or as high as $25.00 depending upon how much money you are transferring.


4. Make sure the person receives the money that you wired to them. They will normally have their funds within 24 hours, but usually within a few hours.