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Wire Transfers

Send and/or receive money from one person or business to another, in the U.S. or around the world.

Quick. Easy. Secure.

Wire transfers use an electronic payment service that's quick, easy and secure. Outgoing wires use a SWIFT Business Identifier Code (BIC), that locates a financial institution anywhere in the world. Incoming domestic wires use the 9-digit ABA routing number, a number that's unique to Heartland Bank, a division of German American Bank. International wires use the SWIFT BIC.

To ensure safety and expedite the process, wire transfers are debited directly from or deposited directly to your German American Bank checking or savings account.

Features & Benefits

Domestic wires sent within the U.S. typically arrive at the recipient's bank on the same business day if sent by the 3 p.m. CT/4 p.m. EST cutoff time on bank business days.
International wires sent outside the U.S. typically arrive at the recipient's bank within 2-5 business days if sent by the 3 p.m. CT/4 p.m. EST cutoff time on bank business days.

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FAQs

Funds are sent electronically using an electronic payment service, such as the Society for Worldwide Interbank Financial Telecommunication (SWIFT), the Federal Reserve Wire Network or the Clearing House Interbank Payments Systems. They can be sent to a recipient account at another bank or by someone else to your German American Bank checking or savings account.

Visit your nearest German American Bank office to send money to both personal and business accounts in the U.S. and internationally. Businesses can visit or call the nearest German American Bank office for wire transfer assistance. Businesses that often send wires may choose to do so within Business Online Banking. Contact a Treasury Management Sales Representative for more details.

Outgoing Wires

Information Needed	Domestic	International
Recipient's bank name, physical address and country	X	X
Recipient bank's routing number	X
Recipient's account number²	X	X
Recipient bank’s SWIFT/BIC for National ID³		X
Currency of recipient's account (foreign or U.S.)		X
Purpose of transfer	X	X

Wires going to foreign countries require different numbers depending on the receiving foreign country.

Incoming Wires

Information Needed	Domestic	International
ABA Routing Number for German American Bank / 083904563	X
German American Bank SWIFT code / GEAEUS31		X
Account number	X	X
Title on the account⁴	X	X

For Eurodollar (EUR), British Pound Sterling (GBP) and Canadian Dollar (CAD) incoming wires, please contact a German American Bank office for instructions.

Our SWIFT code is GEAEUS31XXX. This is a unique code that may be required for the completion of international wire transfers by the Society for Worldwide Interbank Financial Telecommunication (SWIFT).

The daily cutoff time for all wire transfer requests is 3 p.m. CT/4 p.m. EST on bank business days. A business day is every day except Saturday, Sunday and federal holidays.

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¹For international wires you may need a country-specific account structure, for example a CLABE for Mexico or an IBAN. Other countries might require a SWIFT Bank Identifier Code or a National ID with the recipient’s account number.

²All wire transfer payments should include a SWIFT Bank Identifier Code or a National ID as applicable, and for participating countries the beneficiary’s International Bank Account Number (IBAN). Mexican banks require a CLABE number in addition to the SWIFT BIC.

³The name on your account, as it appears on your statement.

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Wire Transfers

Quick. Easy. Secure.

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