How to call Bank of America from abroad
Phone numbers
Primary international line
The bankofamerica.com contact page checked 2026-09-10 lists live agents Monday-Friday 8:00 a.m.-11:00 p.m. Eastern and Saturday-Sunday 8:00 a.m.-8:00 p.m. Eastern, with automated support 24/7. The Spanish-language line 800.688.6086 is listed with the same hours. Eastern is EDT (UTC-4) or EST (UTC-5).
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Bank of America publishes one international number for general account information and for a lost or stolen card: +1 315-724-4022, in Utica, New York. Its own contact page labels that number international collect and warns that cell phone roaming charges may apply. Live agents answer Monday to Friday 8:00 a.m. to 11:00 p.m. Eastern and Saturday and Sunday 8:00 a.m. to 8:00 p.m. Eastern, with automated support listed as 24 hours a day. The 800.432.1000 number printed on the card is US toll-free, which is why Bank of America lists the 315 number separately for callers outside the country.
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About Bank of America
+1 315-724-4022 is an ordinary US geographic number. Bank of America offers it as a collect call, and it can also be dialed as a normal paid international call, in which case the cost depends on whoever carries the call. Bank of America does not publish a hold-time figure or a quietest hour for this line, so this guide does not estimate one. Listed WorldDial rates checked on 14 September 2026: $0.03/min to US landlines; the live dialer shows WorldDial's price before you connect.
Why calling from abroad is difficult
- ✗800.432.1000 and the Spanish line 800.688.6086 are US toll-free numbers, which is why Bank of America lists a separate +1 315 number for callers outside the country
- ✗The 315 line is published as a collect call, and Bank of America warns that cell phone roaming charges may apply
- ✗Live agent hours are US Eastern, which is the middle of the night across much of Asia and Australia
- ✗Automated support runs 24/7 but only covers what the menu covers; anything else waits for agent hours
- ✗Bank of America does not publish what telephone verification will ask for, so there is no reliable checklist to prepare from
Common reasons to call Bank of America
How to call Bank of America with WorldDial
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Practical tips
- 💡Dial +1 315-724-4022. It is the number Bank of America publishes for callers outside the US
- 💡Convert the Eastern hours to your own time zone first. Eastern is UTC-4 in summer and UTC-5 in winter
- 💡Automated support is listed 24/7, so an urgent card action may not have to wait for agent hours
- 💡Bank of America's contact page routes several tasks to digital tools, including disputing an ATM, debit, or credit card transaction and managing or cancelling funds transfers and recurring bill pay. Try those before calling
- 💡Treat any request for your full PIN or a one-time passcode as a red flag, and never give either to someone who called you. If in doubt, hang up and dial the published number yourself
- 💡Bank of America does not publish a quietest hour for this line, and this guide does not guess one
Frequently asked questions
What is Bank of America's international phone number?
+1 315-724-4022, in Utica, New York. Bank of America's contact page lists it for general account information, a lost or stolen ATM or debit card, and opening an account, labelled international collect with a note that cell phone roaming charges may apply.
Can I call Bank of America toll-free from abroad?
Bank of America does not publish an international toll-free line. 800.432.1000 and the Spanish-language 800.688.6086 are US toll-free numbers, which is why the contact page lists +1 315-724-4022 separately for callers outside the country. A call to the 315 number is either collect or an ordinary paid international call.
What are Bank of America's international hours?
Live agents answer Monday-Friday 8:00 a.m.-11:00 p.m. Eastern and Saturday-Sunday 8:00 a.m.-8:00 p.m. Eastern. Automated support is listed as 24/7. Eastern is UTC-4 in summer and UTC-5 in winter. Confirm on the bankofamerica.com contact page for the service you need.
What should I have before calling?
Your account or card number and the details of the transaction you are calling about. Bank of America does not publish the list of details telephone verification will ask for, so treat any third-party checklist with caution. Do not prepare to read out your PIN; no bank needs your PIN to verify you on the phone.
Does anything answer outside agent hours?
Yes. Bank of America lists automated support as 24 hours a day, 7 days a week, while live agents answer during the Eastern-time hours above. What the automated menu can do is limited to the options it offers.
Can I handle this online instead of calling?
Often yes. Bank of America's contact page links digital paths for disputing an ATM or debit card transaction, disputing a credit card transaction, and managing or cancelling funds transfers and recurring bill pay. Call when the task cannot be completed there.
Is there a Spanish-language line?
Yes, 800.688.6086, listed with the same hours as the English line and 24/7 automated support. It is a US toll-free number, so from abroad use +1 315-724-4022 and ask for an interpreter. Bank of America says language interpretation is available at no cost, at a financial center or with a phone agent.
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