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The short answer
In the PNC app you open the Transfer tab and choose the international transfer option; in Online Banking it sits under Transfer Funds. You need the receiver's full legal name and address, the Nigerian bank's name, address and SWIFT code, the account number and the purpose. PNC's consumer fee schedule, as reported by Wise in January 2025, lists $40 for an online wire in US dollars, $5 online in a foreign currency and $50 at a branch.
Where the wire option is
PNC sends international payments as SWIFT wires from a checking or savings account. According to a Wise guide published in January 2025 that cites PNC's own help pages and its consumer fee schedule:
- PNC mobile app: sign on, open the Transfer tab and choose the international transfer option.
- PNC Online Banking: sign on, open Transfer Funds and choose the wire or international transfer option.
- Branch: a banker can send it for you, at a higher fee.
PNC also runs a separate low-cost service for some Latin American countries. Nigeria is not part of it, so a Nigeria payment goes as a standard SWIFT wire.
The details to collect from Nigeria
| PNC asks for | What the Nigerian receiver gives you |
|---|---|
| Recipient full legal name | The name exactly as the Nigerian bank holds the account |
| Recipient address | Their full address in Nigeria, including town and state |
| Bank name and address | For example Fidelity Bank Plc, with its head office address |
| SWIFT/BIC | The bank's code, for example FIDTNGLA for Fidelity |
| Account number | A dollar (domiciliary) account if you send USD; ask about a naira account first |
| Purpose | Family support, school fees, medical bills, property, and so on |
Many Nigerian banks also publish the US correspondent bank that receives their dollars. Fidelity's 2025 SWIFT instructions, for example, name Citibank N.A. New York (CITIUS33) as its US dollar correspondent and put the receiver's name and account number in field 59. If PNC's form has an intermediary field, use the instructions the Nigerian bank gives, not ones copied from an old message. Our guide to intermediary banks explains why. For the codes themselves, see SWIFT codes for Nigerian banks.
What PNC charges
These figures come from the Wise guide of 28 January 2025, which cites PNC's Consumer Schedule of Service Charges and Fees. We could not open PNC's own schedule in October 2026, so confirm the current fee on the wire screen before you send.
| Wire type | Fee as reported (Jan 2025) |
|---|---|
| Outgoing international, online, in US dollars | $40 |
| Outgoing international, online, in foreign currency | $5 |
| Outgoing international, at a branch | $50 |
| Incoming international | $15 |
The low foreign-currency fee does not make that option cheaper by itself: when PNC converts, its exchange rate is usually less favourable than the mid-market rate, and that gap is a cost. Intermediary banks may also take a fee on the way, which reduces what arrives. For Nigeria, check whether PNC offers naira at all before you choose; most Nigerian banks publish instructions for receiving US dollars.
Mistakes that cost PNC senders a second fee
- Sending US dollars to the receiver's naira account number instead of the domiciliary one.
- Typing the bank's name from memory and picking a similar name from a drop-down list.
- Leaving the purpose blank or writing "gift" for what is really a property payment, which can prompt questions later.
- Copying an intermediary bank from a friend's old wire instructions.
Each of these can lead to a return, and a returned wire usually comes back less the charges taken on the way, so you pay twice to send once.
Limits, timing and cut-offs
- Wise reports that PNC does not publish its wire limits; you see yours when you start a wire online, or a branch can tell you.
- SWIFT wires usually take 1 to 5 business days, depending on the country, the receiving bank and the amount; PNC shows an estimated delivery date before you confirm.
- Cut-off times were not stated in the material we read. A wire sent late on a Friday or before a US or Nigerian public holiday will usually move on the next business day.
If your limit is too low for a large payment, see daily online wire limits for the usual ways round it.
Your rights after you send
A consumer wire abroad is generally a remittance transfer under federal rules. The CFPB says PNC must disclose the fee, rate and amount to be received before you pay and on a receipt, you can cancel within 30 minutes for a full refund unless the money has been deposited, and you have 180 days from the disclosed availability date to report an error. Wiring from your PNC account also means the 1% federal remittance tax does not apply, because that tax covers transfers funded with cash or similar physical instruments.
Worked example
Example only. Ifeoma sends $2,000 in US dollars online to her brother's dollar account at Fidelity. PNC charges $40, so $2,040 leaves her account. If a correspondent takes $15 on the way, $1,985 arrives. Her total cost is $55, or 2.75% of the $2,000.
Where Pryme fits
If the money will be spent in naira, a Pryme account lets you hold dollars, convert with Swap when you choose and pay a Nigerian account with Send; the app shows the rate and the fee before you approve.
Questions people ask
How much does PNC charge for an international wire?
As reported by Wise in January 2025 from PNC's fee schedule: $40 online in US dollars, $5 online in foreign currency and $50 at a branch. Check the current fee on the wire screen.
Can I send a PNC wire to Nigeria from the app?
Yes. Open the Transfer tab and choose the international transfer option.
What is PNC's international wire limit?
PNC does not publish it. You see your limit when you start a wire online, or a branch can tell you.
How long does a PNC wire to Nigeria take?
SWIFT wires usually take 1 to 5 business days. PNC shows an estimated delivery date before you confirm.
Sources
- Wise blog: PNC international wire transfer, citing PNC Consumer Schedule of Service Charges and Fees (28 Jan 2025) · accessed Oct 2026
- Fidelity Bank Plc: Details for SWIFT transfers 2025 · accessed Oct 2026
- CFPB: What is a remittance transfer and what are my rights? (reviewed 3 Oct 2024) · accessed Oct 2026
- Pillsbury: IRS remittance excise tax (13 Apr 2026) · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.