First Horizon Wire Memphis International Support Line SWIFT Code Customer Care Number | Toll Free Number

First Horizon National Corporation, headquartered in Memphis, Tennessee, has long been a cornerstone of regional and international financial services in the United States. As part of its comprehensive banking infrastructure, First Horizon offers robust wire transfer services through its Memphis-based international operations center. These services are critical for businesses, financial institutions, and individuals conducting cross-border transactions. At the heart of this system lies the SWIFT code a standardized identifier that ensures secure, accurate, and timely international fund transfers. This article provides a complete, SEO-optimized guide to the First Horizon Wire Memphis International Support Line, including its SWIFT code, customer care and toll-free numbers, global access protocols, industry impact, and frequently asked questions. Whether you're a corporate treasurer, a small business owner, or an international client, this guide ensures you have all the essential information to navigate First Horizons international wire services with confidence.

Why First Horizon Wire Memphis International Support Line SWIFT Code Customer Support is Unique

First Horizons international wire support system, centered in Memphis, stands apart from other regional banks due to its deep integration of technology, localized expertise, and 24/7 multilingual customer service. Unlike many banks that outsource international wire support to offshore call centers, First Horizon maintains its core international wire operations team in Memphis a strategic decision that ensures cultural alignment, regulatory compliance, and faster resolution times for clients in North America, Latin America, and Europe.

The SWIFT code for First Horizon Banks international wire transfers FHNBIUS3XXX is not merely a routing identifier. It is a gateway to a fully managed, audit-compliant, and secure transaction ecosystem. The Memphis team is uniquely trained to handle complex international wire requests involving sanctions screening, foreign exchange conversions, and correspondent banking relationships. This level of specialization is rare among regional banks and gives First Horizon a competitive edge over larger national institutions that often treat international wires as a commoditized service.

Additionally, First Horizons customer support team operates under a one-call resolution philosophy. Agents are empowered to make real-time decisions on wire approvals, corrections, and emergency reversals without escalating to multiple departments. This reduces processing delays that can plague larger institutions. The Memphis support line also maintains direct communication channels with correspondent banks across 120+ countries, ensuring that discrepancies in beneficiary details or intermediary bank requirements are resolved swiftly.

Another distinguishing feature is the integration of blockchain-based transaction tracking. First Horizon clients can receive real-time SWIFT MT103 and MT202 message confirmations via email or secure portal, eliminating the need for manual follow-ups. This transparency, paired with human expertise, creates a hybrid model that blends the efficiency of automation with the reliability of personal service a model few competitors have successfully replicated.

First Horizon Wire Memphis International Support Line SWIFT Code Toll-Free and Helpline Numbers

To ensure seamless access to international wire support, First Horizon Bank provides dedicated toll-free and direct helpline numbers for domestic and international clients. These numbers are monitored 24 hours a day, 7 days a week, including holidays, to accommodate global time zones and urgent transaction needs.

U.S. Toll-Free Customer Support (Wire Services):

1-800-434-8148

International Direct Line (Memphis Operations Center):

+1-901-523-5555

24/7 Emergency Wire Dispute & Reversal Line:

1-888-315-4900

SWIFT Code Verification & Validation Line:

1-800-434-8149

These lines are specifically designated for wire transfer inquiries, SWIFT code validation, beneficiary account confirmation, and urgent payment corrections. Do not use general banking customer service lines for wire-related issues doing so may result in delays or misrouting of your request.

For clients outside the United States, the international direct line (+1-901-523-5555) is the most reliable option. This number connects directly to the Memphis International Wire Operations Center, where agents are fluent in English, Spanish, French, and Mandarin, and are trained to handle compliance documentation required by FATF, OFAC, and EU AML regulations.

It is critical to note that First Horizon does not use third-party call centers for wire support. All calls to the above numbers are answered by in-house specialists based in Memphis. This ensures consistent training, adherence to internal compliance protocols, and accountability for every transaction handled.

How to Reach First Horizon Wire Memphis International Support Line SWIFT Code Support

Reaching First Horizons international wire support team is straightforward, but following the correct protocol ensures your inquiry is resolved quickly and accurately. Below is a step-by-step guide to contacting support for SWIFT code validation, wire initiation, tracking, or dispute resolution.

Step 1: Gather Required Information

Before calling, have the following details ready:

• Your account number (business or personal)
• SWIFT/BIC code of the recipient bank (FHNBIUS3XXX for First Horizon outbound wires)
• Recipients full legal name and bank account number
• Amount and currency of the transfer
• Reference number or transaction ID (if available)
• Reason for the wire (e.g., payroll, vendor payment, investment)

Missing information is the leading cause of delays. Having these details prepared reduces average call handling time from 12 minutes to under 5 minutes.

Step 2: Choose the Correct Support Line

Use the following guidelines to select the appropriate number:

• For new wire initiation or SWIFT code confirmation: Call 1-800-434-8148 (U.S.) or +1-901-523-5555 (International)
• For tracking a pending wire: Use the same number and provide your transaction ID
• For a wire that failed or was rejected: Dial 1-888-315-4900 (Emergency Dispute Line)
• For SWIFT code verification with a third-party bank: Call 1-800-434-8149

Step 3: Prepare for Verification

First Horizon employs multi-factor authentication for all wire support calls. You may be asked to provide:

• Your full name and business name (if applicable)
• Account number and routing number
• Answer to a security question (set up during account enrollment)
• One-time passcode sent to your registered mobile number or email

Never share your authentication codes with anyone claiming to be from First Horizon. The bank will never ask for your PIN, password, or full account number via unsolicited calls or emails.

Step 4: Follow Up in Writing

After your call, always request a reference number and follow up with a written confirmation via secure messaging through First Horizons online banking portal. This creates an audit trail and ensures accountability. For businesses, consider setting up a dedicated wire authorization workflow within your internal finance system to prevent fraud and duplicate requests.

Step 5: Use the Secure Online Portal

First Horizon offers a dedicated international wire portal accessible through its business banking platform. Log in to your account, navigate to International Transfers, and use the Live Support Chat feature. This option is ideal for non-urgent inquiries and allows you to upload documents (e.g., invoices, contracts) directly to your case file. Responses are typically provided within 2 business hours.

Worldwide Helpline Directory

First Horizons international wire support network extends beyond its Memphis headquarters. To serve clients across continents, the bank maintains direct liaison offices and partnered service centers in key financial hubs. These centers do not handle wire execution but provide local language support, compliance guidance, and escalation coordination.

Below is the official Worldwide Helpline Directory for First Horizon International Wire Services:

North America

• United States (Toll-Free): 1-800-434-8148
• Canada (Direct): +1-901-523-5555 (same as Memphis)
• Mexico (Spanish Support): 01-800-742-0558 (toll-free from Mexico)

Europe

• United Kingdom: 0800-085-7834 (toll-free)
• Germany: 0800-182-3335
• France: 0800-910-422
• Switzerland: 0800-810-311
• EU General Support (English): +1-901-523-5555

Asia-Pacific

• China (Mandarin Support): 400-820-0109
• Japan: 0053-12-0003
• Australia: 1800-899-387
• India: 1800-120-8585
• Singapore: 800-120-0585
• General APAC Support (English): +1-901-523-5555

Latin America

• Brazil (Portuguese): 0800-884-0884
• Colombia: 01-800-092-0220
• Mexico (repeated for emphasis): 01-800-742-0558
• Argentina: 0800-888-0222
• Chile: 800-112-122
• General LATAM Support (Spanish/English): +1-901-523-5555

Africa & Middle East

• South Africa: 0800-987-654
• Nigeria: 0800-888-7777
• United Arab Emirates: 800-022-2211
• Saudi Arabia: 800-855-5555
• General MENA Support (English/Arabic): +1-901-523-5555

All international numbers listed above route calls to the Memphis operations center. Local numbers are provided for cost-efficiency and language convenience. For the most reliable connection, especially for time-sensitive transactions, always use +1-901-523-5555.

First Horizon also offers a mobile app with integrated live chat support for wire inquiries. Download the First Horizon Business Connect app from the Apple App Store or Google Play Store to access support on the go.

About First Horizon Wire Memphis International Support Line SWIFT Code Key Industries and Achievements

First Horizons international wire services are not just a banking feature they are a critical infrastructure for multiple high-stakes industries. The Memphis-based operations center has earned recognition for its role in enabling global commerce, humanitarian aid, and cross-border investment.

Key Industries Served

1. Manufacturing & Supply Chain

First Horizon is the preferred wire service provider for over 1,200 U.S.-based manufacturers with suppliers in Asia, Mexico, and Eastern Europe. The Memphis team specializes in handling complex multi-currency payments for raw materials, component shipments, and just-in-time inventory financing. Their SWIFT code (FHNBIUS3XXX) is frequently listed in global procurement contracts due to its reliability and low rejection rate.

2. Healthcare & Medical Devices

First Horizon supports international wire transfers for pharmaceutical companies, medical equipment distributors, and clinical trial funding. The banks compliance team is trained in FDA, EMA, and WHO regulatory frameworks, ensuring that payments for clinical trials, research grants, and medical supply imports meet stringent documentation standards.

3. Nonprofits & Humanitarian Organizations

First Horizon partners with over 80 international NGOs, including the Red Cross, Doctors Without Borders, and UNICEF affiliates, to facilitate emergency fund transfers. The bank waives wire fees for qualifying humanitarian organizations and offers priority processing for disaster relief payments. In 2023, First Horizon processed over $210 million in humanitarian aid transfers with a 99.8% success rate.

4. Real Estate & Foreign Investment

International buyers of U.S. commercial and residential property rely on First Horizons Memphis team to handle escrow disbursements, down payments, and legal fee transfers. The banks ability to verify foreign buyer identities and comply with FIRPTA (Foreign Investment in Real Property Tax Act) has made it a top choice for global real estate investors.

5. Education & Student Financing

First Horizon supports international tuition payments for over 15,000 foreign students annually enrolled in U.S. universities. The bank works directly with admissions offices to validate payment sources and ensure compliance with visa financial requirements.

Achievements and Recognition

• 2023 Global Wire Efficiency Award Recognized by The Banker magazine for the fastest international wire clearance time (under 1.8 hours average).
• OFAC Compliance Excellence Rated Outstanding by the U.S. Treasury Department for zero sanctions violations in 20222023.
• SWIFT gpi Leader First Horizon is among the top 10 U.S. banks in SWIFT gpi (Global Payments Innovation) adoption, enabling real-time tracking and end-to-end transparency.
• 2022 Best Regional Bank for International Trade Awarded by American Banker for excellence in cross-border transaction services.
• 99.94% Wire Success Rate Industry-leading accuracy in beneficiary account matching and SWIFT code validation.

These achievements underscore First Horizons commitment to operational excellence, regulatory integrity, and client service qualities that distinguish its Memphis-based international wire support from larger, more impersonal institutions.

Global Service Access

First Horizons international wire services are designed for seamless global access, regardless of your location or time zone. The banks infrastructure is built on a resilient, cloud-based transaction platform with redundant data centers in Memphis, Atlanta, and London, ensuring 99.99% uptime.

First Horizon supports over 140 currencies for international wire transfers, including emerging market currencies such as the Nigerian Naira, Vietnamese Dong, and Ukrainian Hryvnia a capability rare among regional banks. Clients can initiate transfers via:

• Online banking portal (24/7)
• Mobile app with biometric authentication
• Phone support (toll-free and international lines)
• Secure email with encrypted attachments
• Branch appointments (for high-value or complex transactions)

For corporate clients, First Horizon offers API integration with ERP systems like SAP, Oracle, and NetSuite. This allows businesses to automate wire initiation based on invoice approvals, reducing manual errors and accelerating payment cycles.

First Horizon also maintains correspondent banking relationships with over 400 financial institutions worldwide, including major banks in China, India, Brazil, and South Africa. This network ensures that even in regions with limited banking infrastructure, funds reach their destination efficiently.

Additionally, First Horizon offers a Global Payment Dashboard for business clients a real-time analytics portal that tracks all outbound and inbound wire activity, currency conversion rates, fees, and estimated settlement times. This tool is invaluable for treasury teams managing global cash flow.

For clients in sanctioned or high-risk jurisdictions, First Horizon provides a dedicated compliance liaison who works with you to structure transactions that comply with U.S. and international regulations without compromising business continuity.

FAQs

What is the SWIFT code for First Horizon Banks international wire transfers?

The SWIFT/BIC code for First Horizon Banks international wire transfers is FHNBIUS3XXX. Use this code when sending funds to a First Horizon account from abroad or when providing recipient details for outbound international wires from your First Horizon account.

Is the First Horizon SWIFT code the same for all branches?

Yes. FHNBIUS3XXX is the universal SWIFT code for all First Horizon Bank international wire services, regardless of branch location. The Memphis operations center processes all international wires centrally.

Can I use the toll-free number from outside the U.S.?

Yes, you can dial 1-800-434-8148 from any country, but international calling rates may apply. For cost efficiency, use +1-901-523-5555, which is a direct international line with no additional charges for the recipient.

How long does a First Horizon international wire take?

Typically, international wires initiated before 2:00 PM CT on a business day are processed the same day. Settlement time varies by destination: 12 business days for Europe and Canada, 24 business days for Asia and Latin America. SWIFT gpi-enabled transfers may show real-time status updates.

What should I do if my wire was rejected?

Call the Emergency Wire Dispute Line at 1-888-315-4900 immediately. Have your transaction ID and recipient details ready. First Horizons Memphis team can often resolve rejections within 2 hours if the issue is due to incorrect SWIFT code or beneficiary name mismatch.

Do you charge fees for international wires?

Yes. Fees vary based on currency, amount, and destination. Standard outbound wire fees range from $35 to $50. Incoming wires typically cost $10$15. Business clients may qualify for discounted rates through treasury management packages.

Can I send a wire in a currency other than USD?

Yes. First Horizon supports over 140 currencies. You can initiate a wire in EUR, GBP, CAD, AUD, JPY, MXN, and more. The bank will convert USD to your desired currency at the prevailing exchange rate, with transparent fee disclosure.

Is First Horizons international wire service secure?

Yes. First Horizon uses end-to-end encryption, multi-factor authentication, SWIFT gpi tracking, and OFAC-compliant screening for every transaction. All calls are recorded and stored for compliance purposes.

Can I get a copy of my SWIFT message (MT103)?

Yes. After your wire is processed, you can download the official MT103 confirmation from your online banking portal or request it via email from customer support. This document is essential for accounting and audit purposes.

Whats the difference between SWIFT code and routing number?

SWIFT code (BIC) identifies banks globally for international transfers. Routing numbers (ABA) are used only within the U.S. for domestic transfers. First Horizons routing number is 083901849 do not use this for international wires.

Do you offer weekend or holiday support?

Yes. First Horizons Memphis international wire support team operates 24/7, 365 days a year, including U.S. holidays. However, settlement may be delayed on non-business days in the recipient country.

Can I cancel a wire after its initiated?

Wires can be canceled only if they are still in pending status (within 30 minutes of initiation). Once the wire is transmitted to the SWIFT network, cancellation is not possible. Contact the Emergency Dispute Line immediately if you suspect fraud.

Conclusion

The First Horizon Wire Memphis International Support Line, anchored by the SWIFT code FHNBIUS3XXX, represents more than just a banking service it is a lifeline for global commerce, humanitarian efforts, and cross-border investment. With its unique combination of localized expertise, 24/7 multilingual support, industry-specific compliance knowledge, and technological innovation, First Horizon has established itself as a trusted partner for businesses and individuals navigating the complexities of international finance.

Whether youre a small business sending your first international payment or a multinational corporation managing thousands of transactions annually, knowing the correct contact numbers 1-800-434-8148 for U.S. clients and +1-901-523-5555 for global access is essential. Equally important is understanding the SWIFT codes role in ensuring your funds reach their destination without error.

First Horizons achievements in SWIFT gpi adoption, OFAC compliance, and client satisfaction are not accidental. They are the result of a deliberate commitment to excellence, transparency, and customer-centric service. As global trade continues to evolve, institutions like First Horizon with their Memphis-based international operations center will remain indispensable.

Always verify the SWIFT code before initiating a transfer. Keep your support numbers saved in your contacts. Use the secure portal for documentation. And never hesitate to call because when it comes to international wires, the right support at the right time can mean the difference between a successful transaction and costly delay.