How to call Bank of America from abroad
+1 315 724 4022
Bank of America publishes one international number, +1 315-724-4022 in Utica, New York, that accepts collect calls and works from any country. It is open for live agents Monday through Friday from 08:00 to 23:00 US Eastern, with weekend hours of 08:00 to 20:00. The toll-free 800.432.1000 line that is printed on debit cards does not work from outside the US.
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Phone numbers
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Bank of America international collect line (24/7 for card emergencies; live agents during US hours)
+1 315 724 4022
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BoA general line (US toll-free; blocked from outside the US)
+1 800 432 1000
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BoA Spanish-language line (US toll-free; blocked from outside the US)
+1 800 688 6086
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BoA Premier Rewards / Wealth Management (works internationally if you have a Premier card; collect)
+1 800 933 6262
Bank of America number Browse United States numbers by category →
⏰ Live agent on +1 315-724-4022: Monday, Friday 08:00-23:00 US Eastern, Saturday, Sunday 08:00-20:00 US Eastern. Automated card-block service: 24/7.
Number last verified 12 May 2026 against bankofamerica.com
About Bank of America
WorldDial connects to +1 315-724-4022 from any browser at $0.012/min, billed in seconds. The collect-call option exists for emergencies but most callers report that their roaming carrier or hotel-line operator declines the collect, so paying for the call yourself is usually faster. WorldDial avoids the collect-routing entirely; you pay the per-minute rate to a US number, period.
Why calling from abroad is difficult
- ✗800.432.1000 is blocked outside the US, most callers waste 15 minutes confirming this before finding the international line
- ✗The international line is "collect" by default; many international carriers refuse the collect routing or charge a per-call surcharge for it
- ✗The mobile banking app blocks login from many non-US IP addresses, forcing you to call exactly when calling is hardest
- ✗Identity verification often requires SMS to a US mobile number you no longer have
- ✗Hold times during US business hours can exceed 30 minutes; the line is dead silent on hold so it sounds disconnected
Common reasons to call Bank of America
How to call Bank of America with WorldDial
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Dial the number
Enter +1 315 724 4022 in the dialer and press call.
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Practical tips
- 💡Call +1 315-724-4022 directly via WorldDial, skip the collect-call routing, pay the per-minute rate (cheaper than the international roaming surcharge for the collect)
- 💡Call between 08:00 and 09:30 US Eastern, first hour of the day, shortest queue
- 💡For card-block-only requests, the 24/7 automated service answers immediately and accepts the request without an agent
- 💡Have your card number, the 4-digit PIN, your SSN's last four, and your account ZIP code ready before dialing, identity verification fails the call without these
- 💡If the agent asks for an SMS verification code and you have no US SIM, request "verbal verification" by date of birth + last transaction; the agent has discretion to accept it
Frequently asked questions
What is Bank of America's international phone number?
+1 315-724-4022. It is the only Bank of America customer-service line that accepts calls from outside the United States. It runs as a collect line by default but can be dialed direct on any international route.
Can I call Bank of America toll-free from abroad?
No. The 800.432.1000 number is a US-only toll-free line. There is no international toll-free equivalent. All international calls to BoA are paid; the cost depends on the route you choose.
What are Bank of America's international hours?
Live agent: Monday, Friday 08:00-23:00 US Eastern, Saturday, Sunday 08:00-20:00 US Eastern. The automated card-block menu runs 24/7 and accepts a card-lock request without an agent.
What documents do I need before calling?
Account number or full debit/credit card number, 4-digit PIN if you have one, the last four digits of your SSN, your account ZIP code, and the date and amount of your most recent transaction (used for behavioral identity verification when SMS fails).
Why does the BoA app block me when I'm abroad?
BoA blocks app login from a list of high-risk country IP addresses without prior travel notice. The fix is either to call +1 315-724-4022 and request a travel flag, or to use a connection that exits via a US IP (most commercial VPNs work; some are also blocked by BoA's risk system).
Can I add a travel notice without calling?
Yes for most accounts: bankofamerica.com under Information & Services → Travel Notice. The notice covers up to 90 days at a time. For business accounts and some Wealth Management cards, the travel notice still requires a phone call.
Useful guides
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