Personal Finance Money transfer

Bank of Ireland transfer limit: Daily limits and How to increase them

Gabrielle Figueiredo

24.07.26

Read time 3 minutes

If you’re planning on sending a high value payment with the Bank of Ireland¹ you’ll need to understand the BOI transfer limit to make sure your transaction goes through smoothly.

We’ll also introduce Wise as the smart solution for sending large transfers abroad, with over 14.8 million people worldwide moving £36 billion each quarter.

With Wise you can send up to 20 million EUR per transfer, while getting low, transparent fees, the mid-market exchange rate, and secure, trackable transfers. Plus, you can receive dedicated support and volume discounts when sending large amounts.

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Does the Bank of Ireland apply transfer limits from Ireland?

Yes. There’s a fixed Bank of Ireland online transfer limit², which you can’t alter - but if you need to send more money you may still be able to do so by going to a branch instead.

There’s a daily limit for Bank of Ireland transfers made online, as well as restrictions on how much you can pay newly added recipients, to prevent fraud and financial crime.

Read also: Bank of Ireland large transfers:

What are the Bank of Ireland transfer limits?

Bank of Ireland transfer limits depend on the type of payment you’re making. Limits apply on digital transfers which are fixed but if you need to make higher or urgent transfers you may still be able to do so by calling the bank or visiting a branch in person.

Here’s a summary of the key Bank of Ireland money transfer limits, including the Bank of Ireland SEPA transfer limit:

Service	Limits	Notes
Daily overall transfer limit	20,000 EUR/day	Applies to transfers within or outside Ireland, through 365 phone, online and open banking
New payee limit	1,000 EUR	Applies for up to 48 hours after adding a new payee - faster transfer may be available by phone/ in branch
SEPA Instant payment limit	20,000 EUR/day	Daily limit and transaction limit are both set at 20,000 EUR
Zippay limit	1,000 EUR	Daily limit and transaction limit are both set at 1,000 EUR
InterPay limit	Depends on payment type and destination	Visit a branch in person to confirm the limit and make your transfer

*Details correct at time of research - 13th July 2026

Bank of Ireland new payee limit: how does it work?

Bank of Ireland has a fixed limit for new payees, which means you can only send a maximum of 1,000 EUR to any new recipients in the first 48 hours after adding them as a payee to your account. This is a combined limit, no matter how many new payees you add, and is set for your security.

If you need to send more than this during that time period, the Bank of Ireland transfer limit in branch may be higher - you can call the bank to talk through your options and understand how to process your urgent transaction.

How to increase the Bank of Ireland transfer limits

You can’t increase the Bank of Ireland transfer limits for digital payments. However, if you need to send a higher value payment, the bank team may be able to help you in a branch.

You’ll need to complete a Bank of Ireland payment request form³ and take it along to a branch.

There are also some important Bank of Ireland interpay requirements⁴ to know about before you make your transfer - details are available online and cover the country by country information the bank requires to securely process your transaction.

When does BOI transfer limit reset?

Bank of Ireland transfer limits are set on a daily basis. The bank doesn’t specify a time at which transfer limits reset, but if you have any concerns you can reach out to the service team on 0818 365 365 to check the details for your own account.

Looking for an alternative for large transfers? Get Wise

If you hit the Bank of Ireland transfer limits or simply want to compare an alternative, check out the option of sending high amounts with Wise. Wise Europe is not a bank, but an authorised Payment Institution.

Wise has built its own payment network that allows customers to send money internationally for less. You’ll get the mid-market exchange rate (the same you usually see on Google) without any markups and low, transparent fees.

Here’s an overview of the main benefits of using the Wise account for large transfers:

Send money to +140 countries with low, transparent fees

Send up to 20 million EUR per transfer

Avoid markups or additional hidden fees in the currency conversion, get the mid-market rate

Receive dedicated support and unlock volume discounts for large transfers over €22k

Get sophisticated security and anti-fraud measures, with your money safeguarded

Set up your account online via website or Wise app

No monthly/annual account fees

Get delivery estimates and track your transfers.

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Are any payments excluded from the BOI daily limit?

The 20,000 EUR daily limit covers payments sent within or outside Ireland, and bill payments, including future dated bills on their scheduled date. However, the limit does not include the following transfer types:

Transfers between your own BOI accounts

Direct debits

Standing orders

Credit or debit card payments

Sources used:

Sources last checked on date: 21st July 2026

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.