What is PNC's Zelle limit?

PNC Bank's Zelle limit is typically $1,000 per day and $5,000 per month for standard Virtual Wallet and checking accounts. Performance Spend customers may have a limit of $2,000 per day, and Performance Select customers may have limits up to $5,000 per day. Limits depend on account tier and history. Call 1-888-762-2265 to confirm your specific limit.

What is PNC's ACH transfer limit?

PNC's outgoing ACH transfer limit is typically $2,500 per day for standard accounts. Transfers to external bank accounts initiated through PNC's online banking or mobile app are subject to this limit. Processing takes 1–3 business days. Performance Select customers have higher ACH limits.

How do I wire money from PNC Bank?

Log into PNC Online Banking, navigate to Transfers & Payments → Wire Transfers, and enter the recipient's bank name, routing number, account number, and amount. Domestic wires submitted before 5:00 PM ET on a business day are typically credited the same day. PNC charges $30 for outgoing domestic wires and $45 for international wires. The incoming wire fee is $15. For large or high-value wires, call 1-888-762-2265.

What is PNC's routing number?

PNC Bank's primary routing number is 043000096, used for direct deposits, ACH transfers, and wire transfers from most states. PNC has multiple routing numbers for legacy regional markets: 031000053 for Philadelphia-area PA accounts, 042000398 for Ohio, 041000124 for Michigan, and 031207607 for New Jersey. Check the bottom of your check or the PNC app's Account Details section to confirm your routing number.

What is PNC's SWIFT code for international wires?

PNC Bank's SWIFT code (also called a BIC code) is PNCCUS33. Provide this code to anyone sending you an international wire transfer. For international wires you are sending, also provide the recipient's IBAN or account number and their bank's SWIFT code along with the wire details.

How long does a PNC wire transfer take?

Domestic wire transfers submitted through PNC online banking before 5:00 PM ET on a business day are typically credited to the recipient account the same business day. International wire transfers generally take 1–5 business days depending on the destination country, correspondent banking relationships, and currency. Transfers submitted after the cutoff or on weekends/holidays are processed the next business day.

PNC Bank Transfer Limits 2026: Zelle, ACH, Wire & Routing Numbers

PNC Bank’s daily Zelle limit is typically $1,000–$2,000 depending on your account tier. ACH transfers top out at $2,500/day for standard accounts, and outgoing domestic wire transfers can be sent up to $50,000 online. PNC’s primary routing number is 043000096, with regional alternatives for legacy markets in Pennsylvania, Ohio, Michigan, and New Jersey.

PNC Transfer Limits by Type and Account

Transfer Type	Standard / Virtual Wallet	Performance Spend	Performance Select
Zelle — Daily	$1,000	$2,000	Up to $5,000
Zelle — Monthly	$5,000	$10,000	Up to $25,000
ACH Outgoing — Daily	$2,500	$5,000	$10,000
ACH Incoming — Daily	$5,000	$5,000	$10,000
Wire — Domestic Online	Up to $50,000	Up to $50,000	Up to $100,000
Wire — International Online	Up to $25,000	Up to $25,000	Up to $50,000
Internal PNC-to-PNC Transfer	Unlimited	Unlimited	Unlimited

Limits reflect typical ranges. Your account-specific limits may vary based on account age, credit history, and relationship tier. Call PNC customer service at 1-888-762-2265 to confirm your exact limits.

PNC Routing Numbers by State

PNC operates with multiple routing numbers due to regional bank acquisitions over the years. Use the routing number that matches your account’s originating market:

Routing Number	State(s) / Use Case
043000096	All wire transfers nationwide; Pennsylvania (Pittsburgh/western PA); all BBVA-legacy states (AL, AZ, CA, CO, FL, NM, OK, TX); most other states
031000053	Philadelphia / eastern Pennsylvania accounts
042000398	Ohio
041000124	Michigan
031207607	New Jersey

How to find your routing number: Open the PNC mobile app → select your account → tap Account Details. It also appears as the first 9-digit number on the bottom-left of your paper checks.

SWIFT Code for international wires: PNCCUS33

PNC Wire Transfer Fees

Wire Type	Fee
Outgoing domestic wire	$30.00
Outgoing international wire	$45.00
Incoming wire (domestic or international)	$15.00

Performance Select customers receive reduced or waived wire fees — confirm current rate with PNC customer service.

How to Send a Zelle Payment with PNC

Open the PNC Mobile Banking app
Tap Transfers & Payments → Zelle
Enter the recipient’s email address or US mobile number
Enter the amount (up to your daily limit) and an optional note
Confirm and send — Zelle payments to enrolled recipients arrive in minutes

Canceling a Zelle payment: Payments to already-enrolled recipients cannot be canceled after submission. If the recipient is not yet enrolled, you can cancel before they register. For fraud or unauthorized Zelle transfers, contact PNC immediately at 1-888-762-2265.

How to Send an ACH Transfer with PNC

Log into PNC Online Banking or the mobile app
Go to Transfers & Payments → External Transfers
Add the external account (requires routing and account numbers; 1–3 business days to verify via micro-deposits)
Set the transfer amount (up to your daily ACH limit) and date
Standard ACH delivery: 1–3 business days

How to Send a Wire Transfer with PNC

Log into PNC Online Banking
Navigate to Transfers & Payments → Wire Transfers
Enter recipient details:
- Bank name and address
- ABA routing number (domestic) or SWIFT code (international)
- Account number
- Amount and purpose of wire
Domestic wire cutoff: 5:00 PM ET for same-day credit
International wire cutoff: 4:00 PM ET for same-day processing

For wires above online limits, call PNC at 1-888-762-2265 — branch or phone wires can accommodate larger amounts.

PNC Transfer Limits vs. Competitors

Bank	Zelle Daily Limit	Outgoing Wire Fee
PNC (standard)	$1,000	$30
Chase	$2,000	$35
US Bank	$1,500	$30
Wells Fargo	$3,500	$30
Citi	$2,000	$25

PNC’s Zelle limit for standard accounts is on the lower end among major US banks. Upgrading to Performance Spend raises the Zelle daily limit to $2,000, matching Chase’s standard tier.

See the full PNC Bank guide for fees, ATM limits, and routing numbers by state.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy