The gift rules described by @ToddL99 are the same whether your received those gifts through wire transfer or directly from your bank.
Transfers by Money Services Businesses (MSBs) are subject to the U.S Bank Secrecy Act.
- If an MSB provides money orders or traveler’s checks for cash of $3,000-$10,000, inclusive, to the same customer in a day, it must keep a record.
- If an MSB provides money transfers of $3,000 or more to the same customer in a day, regardless of the method of payment, it must keep a record.
- If an MSB provides currency exchanges of more than $1,000 to the same customer in a day, it must keep a record.
Refer to Bank Secrecy Act Requirements
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