Bank of America publishes one international number: +1 315-724-4022 in Utica, New York. Its 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.
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. Automated support is listed as 24 hours a day, 7 days a week.
The 800.432.1000 number printed on the card is US toll-free and built for domestic callers, which is why Bank of America lists the 315 number separately.
Confirm on the official page: About Bank of America contact. Site overview: Bank of America from abroad.
Numbers and hours
Checked on bankofamerica.com on 2026-09-10.
| Path | Number | Hours |
|---|---|---|
| International collect | Live agents Monday-Friday 8:00 a.m.-11:00 p.m. ET, Saturday-Sunday 8:00 a.m.-8:00 p.m. ET. Automated support 24/7 | |
| General (US toll-free) | 1-800-432-1000 | Same agent hours. Built for domestic callers |
| Spanish (US toll-free) | 1-800-688-6086 | Same agent hours, automated support 24/7. Built for domestic callers |
+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. Bank of America does not publish a hold-time figure or a quietest hour for it, so this guide does not estimate one.
Bank of America says language interpretation is available at no cost, either at a financial center or with a phone agent, so from abroad you can dial the 315 number and ask for an interpreter.
What to prepare
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 as a guess.
No bank needs your PIN to verify you on the phone. Treat any request for a 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.
Before you call
Bank of America's contact page links digital paths for several of the reasons people call from abroad: disputing an ATM or debit card transaction, disputing a credit card transaction, and managing or cancelling funds transfers and recurring bill pay. Try those first.
Automated support runs 24/7, so an urgent card action may not have to wait for agent hours. What it can handle is limited to the options the menu offers.
Cost
Listed WorldDial rates checked on 14 September 2026: $0.03/min to US landlines, in USD. Check the current rate for your number on rates before adding credit. If your own plan already includes cheap calls to +1 numbers, use it.
Related: banks from abroad, Chase Bank from abroad, Wells Fargo from abroad, call USA, how it works.
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FAQs
What is Bank of America's international phone number?
+1 315-724-4022, in Utica, New York. Bank of America lists it as international collect and notes 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 800.688.6086 are US toll-free numbers built for domestic callers.
What are the hours?
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. Eastern is UTC-4 in summer and UTC-5 in winter.
What should I have ready?
Your account or card number and the transaction details. Not your PIN: no bank needs it to verify you by phone.
Is there a Spanish-language line?
Yes, 800.688.6086, listed with the same hours. It is US toll-free, so from abroad dial +1 315-724-4022 and ask for an interpreter. Bank of America says interpretation costs nothing.