What is the incoming international wire process (Savings Accounts and CDs)?

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For us to receive an international wire transfer, you'll need to have your bank send a Fedwire Funds Service request through their North American correspondent using this information:


Happen Bank
2701 N Thanksgiving Way
Lehi, UT 84043
ABA#: 211075086
For credit to Happen Bank: Your name and address
Your Happen account #:
Ref: Payment details
If the sending bank does not have a North American correspondent: 

Intermediary Bank
Beneficiary Bank Name: PNC Bank N.A.
Beneficiary Bank Address: 249 Fifth Avenue, Pittsburg, PA 15222, USA
Beneficiary Bank SWIFT/BIC: PNCCUS33
Beneficiary Bank ABA: 043000096                       
Final Beneficiary Account: 1082043964
Final Beneficiary Name: Happen Bank, N.A.
Final Beneficiary Address: 2701 N Thanksgiving Way
Final Beneficiary Address: Lehi, UT 84043
Reference Field: Happen Bank  Bank customer’s name
Reference Field: Happen Bank customer’s account number
Reference Field: Payment information

Happen Bank Resources

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You can add funds to your account online or in the app.
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You should use the email address or username and password for your payroll provider, not your Happen Bank account credentials.
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The Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code is a unique identification code that may be required by some banks, broker-dealers, and investment managers for the completion of international wire transfers.
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For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.

Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval. 

Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108. 

“Happen” and the “H” symbol are trademarks of Happen Bank.

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