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Huntington National Bank International Transfers & Exchange Rates
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Published On:
November, 23 2022
Edited On:
March, 22 2023

Huntington National Bank International Transfers & Exchange Rates

Huntington National Bank is a financial institution based in the United States of America. As with all our bank reviews we will be assessing how reliable, cost-effective and accessible Huntington Bank’s international transfers are, in order to help our users evaluate the best options for their cross-border transactions. Additionally, we will cover the Huntington Bank foreign currency exchange rates and fees.

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About Huntington National Bank

Huntington Bancshares Incorporated is the holding company of US-based banking institution, The Huntington National Bank. Formed in 1866 in Columbus, Ohio, the bank has developed its financial services to offer personal and business customers help with banking, borrowing, investments, insurance, and foreign currency exchange services. The organisation primarily operates in the Midwest and offers Online Banking services to all customers.

In October 2021 the now defunct TCF Bank officially merged with Huntington National Bank. As a result, the Detroit-based TCF Bank closed all existing branches - 198 in total - and these locations were transformed into Huntington branches to ensure a smooth transition.

In this review, we will be walking our users through each area of expertise covered by Huntington National Bank including Huntington Bank's foreign currency exchange rates as we consider whether the bank is a valid option for international money transfers or foreign currency transfers.

Can I Use Huntington National Bank for International Bank Transfers?

This is a national bank that specialises in domestic banking which primarily includes transfers between customers based in the United States. However, the bank does offer wire services for foreign currency transfers, albeit for a high price.

Other Ways to Send Money With Huntington National Bank

Huntington National Bank primarily focuses on the following 4 domestic transfer options:

  • Bill Pay: Set up a payee by clicking the Bill Pay tab on your account page in Online Banking; free and easy to use

  • Real-Time Payments: The RTP® network clears and settles transactions 24/7, 365 days a year; all transactions can be set up online with details available on your account statement

  • Wire Transfers: You will need to visit your local Huntington National Bank branch to set up domestic wire transfers; this is recommended for larger transfers

  • Zelle®: The peer-to-peer payment system is supported by the bank, making it easy for customers to transfer small amounts of money with people they know. Although it is a free service, there are limits to how much money can be sent and received: read our review of Zelle® to learn more.

Huntington National Bank Exchange Rates and Fees

In this section we typically evaluate the foreign currency exchange rates, international money transfer fees and other costs associated with a bank's international transfers. Huntington National Bank does not specialise in these kinds of transactions, however it is possible to send and receive money from overseas, for a cost.

Huntington National Bank Foreign Currency Exchange Rates

There is limited information online about the Huntington National Bank foreign currency exchange rates; instead, the bank advises customers to contact their local branch to discover specific foreign currency rates.

The bank operates a foreign currency exchange service whereby, for a flat-fee of $8 per order, customers can choose from 75 different foreign currencies. Customers must contact their local branch if you would like to know more information about the Huntington National Bank foreign currency exchange rates and the foreign currency exchange services they offer.

Huntington National Bank Transfer Fees

The following fees are applied to wire transfers arranged with the bank:

  • Transfers to and from Huntington bank accounts: $10.00 USD

  • Incoming domestic wire transfers: $15.00 USD

  • Outgoing domestic wire transfers: $25.00 USD

  • Incoming foreign wire transfers: $15.00 USD

  • Outgoing foreign wire transfers: $75.00 USD

Additional Costs

In addition to the Huntington National Bank exchange rates and large fees listed above, the bank will charge customers $31.00 to stop a payment once submitted, and $10.00 for each transfer that is returned to the bank.

How Do Huntington National Bank Transfer Fees Compare to Using a Money Transfer Provider?

International bank transfer fees are infamously expensive, and Huntington is a prime example. At $75.00 a pop, these international transfer fees are inordinately high and do not come close to the low-cost services offered by leading money transfer companies like OFX, Wise, and WorldRemit.

Huntington National Bank Pros and Cons

We want to present a clear and concise list of the advantages and disadvantages of moving money with Huntington National Bank, in a bid to avoid any future disappointment or confusion.


Multiple options for domestic transfers: including fast and easy to use Zelle® pay
Very safe and secure: bank-level security and FDIC insured; customer funds up to $250,000 are covered


High transfer fees: It will cost $75.00 per transfer for any customers who want to send money overseas with Huntington National Bank; this is before any exchange rate margin is applied to the transfer too
Lack of transparency regarding foreign currency exchange rates: the only way to receive a Huntington National Bank foreign currency exchange rate quote is by contacting the bank directly
Lack of transparency regarding global coverage: Huntington National Bank offers foreign currency services in 75 different currencies but it is unclear whether the same coverage applies to international wire transfers and what countries are supported by the bank
Limited accessibility: Huntington National Bank is a banking franchise operating in 11 states in the United States only; Ohio, Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, South Dakota, and West Virginia

How to Send and Receive Money With Huntington National Bank

We strive to provide step-by-step instructions on how to set up an international transfer with every different bank we review. However, in the case of Huntington National Bank, the majority of their financial services must be set up in-person by visiting a local branch. For this reason, there are limited online options available.

Sending Money

Before you can send money to a contact in another country, you will need to request their bank account information. This will differ from country to country and ensuring you have the correct information is an imperative aspect of any international transfer. Read our guide on Sending Money to a Bank Account to learn more.

Once you have gathered all the relevant information for your recipient, you will need to visit a local Huntington National Bank branch to complete the wire transfer form. It is worth enquiring about the expected delivery window and transfer fees during your visit. Use the bank’s branch locator to find out where your nearest branch is.

Receiving Money

You will need to provide your account number and routing number to the beneficiary, in order to successfully receive funds from overseas. As stated above, a transfer fee of $15.00 will apply to all incoming foreign wire transfers.

Additional Information

It is not possible to transfer money around the world using the Online Banking services or the Huntington Mobile app. For any questions about how to send or receive money overseas, please contact the bank via phone, email or in-person.

What Customer Support Options Are Available?

The bank offers multiple customer service options which include:

  • Customer phone lines for various areas of banking: open daily from 7:00 am. to 8:00 pm E.T.

  • Ask a question on social media: connect with a customer service agent via Twitter or Facebook

  • Email the customer service team: queries about international services should be sent to


Huntington National Bank is a full-service banking provider serving customers in the American Midwest. When it comes to international transfers, the bank facilitates foreign currency transactions, but is not as well-equipped with handling them as specialist money transfer providers. This is evident in the extortionate transfer fees, unclear exchange rates and delivery speed, and the bank’s inability to offer online money transfers.

We would recommend reading our reviews of other money transfer operators before arranging an international transfer with a bank. We guarantee you will save yourself time and money by looking into the alternatives: our money transfer comparison tool is a great way to consider all your options.

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April Summers
April Summers
April is a trained journalist and the Content Editor for She has 10 years experience writing about a diverse range of subjects, from financial services to arts and entertainment. When she's not writing about global remittances she can be found daydreaming about her next holiday abroad.

Answers to key questions about Huntington National Bank

We will run through the most pressing questions our users have when debating whether or not to use their bank for international money transfers.

Can I open a Huntington National Bank account in any country?
Does Huntington National Bank have an app?
Are there transfer limits?
How long do transfers take with Huntington National Bank?
Can I use a Huntington National Bank debit card when travelling abroad?
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