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  • Receiving money

Can I receive large amounts into my Wise account?

Yes, you can receive large amounts into any currency account with account details. But there are a couple of things you should know beforehand.

We may ask you for more information

If you’re receiving a large amount of money, we may need to ask you about your relationship with the sender, or the purpose of the payment. This is a regulatory requirement for us, and it helps us to make sure that our services are safe for everyone.

There are limits for USD accounts when receiving money

If your account details have a routing number starting with 026, then the following limits apply.

Personal account limits:

  • Limit per transfer (and daily limit) — 1,000,000 USD

  • Annual limit — 5,000,000 USD

Business account limits:

  • Limit per transfer (and daily limit) — 3,000,000 USD

  • Annual limit — 15,000,000 USD

These limits don’t apply when:

  • your account details have a routing number starting with 084

  • you top up your USD account using the Add money button in your account

  • you convert money from other currencies in your account

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Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.