Capital One transfer limits [2024]

Capital One®¹ is a very popular option for checking and saving accounts you can use for daily financial management. But what about when you need to make a payment at home or abroad? What are your options and how much can you send?

Join us as we look at the Capital One savings transfer limit, and the limits which apply to Capital One checking account options.

Capital One's transfer limits overview

Capital One has different limits depending on how you’re arranging your transfer, and the type of payment you need to make.

It’s important to note upfront that not all Capital One accounts can make every type of available transfer. Some accounts are not able to make wire transfers for example, which in effect means you are unlikely to be able to send money overseas.

In addition, there are rules about how you can set up your transfer - which impact the cost. Domestic payments can usually be made online - the cheapest option - while international transfers have to be arranged in a branch which attracts a higher fee.

We’ll walk through the Capital One transfer fees a little later - but first, the Capital One transfer limits you should know about. Here’s a quick overview²:

	Capital One domestic wire	Capital One international wire
Per transaction - send to any individual or company	50,000 USD limit when sending online No limit for phone payments Branch payments not available	Branch payment only - no limit
Per transaction - send to title company	500,000 USD limit when sending online No limit for phone payments Branch payments not available	Branch payment only - no limit specified
Per transaction - send to linked account	No limit for online or phone payments Branch payments not available	Branch payment only - no limit specified

There are a couple of other limits you might want to know about when you bank with Capital One:

• Capital One ACH transfer limit
• Capital One Zelle® transfer limit

In both cases Capital One has limits which are in place to prevent fraud and protect customers. These limits can change without advance notice and can be different from one account to another³.

You’ll need to check in your online banking service to view your live limit if you’re unsure what it is.

Another useful point to note - if you’re sending to a linked account, you’ll need the account you’re sending to to remain on Capital One’s file for 30 days before you can make a transfer out to it.

Capital One international transfer limits

Capital One only offers international payments that are arranged through a branch. The good news is that there’s no upper limit to the amount you can send overseas with Capital One if you have an eligible account.

The bad news is that an overseas transfer has a 40 USD upfront fee, and may also incur third party fees or exchange rate markups. Plus, going into a branch in person can be a hassle.

If you’re looking for an easier way to send your international payment without needing to leave home - or if you just want to compare a few options, check out Wise.

Wise offers transfers you can arrange with just your phone or laptop, in 40+ currencies. Limits are usually high - while fees can be low*. We’ll look at Wise in more detail in a moment - you can also take a look at Wise transfer limits here.

How can you check your Capital One transfer limits?

Check your Capital One limits within the Capital One app, or by logging into your digital account online. You can also call into a Capital one branch or location to ask for information about your limits and options for making a payment.

Bear in mind that Capital One may adjust your account limits from time to time, so it’s worth double checking your live limits before you try to arrange a high value payment, in case the limit has changed since you last checked.

How can you increase your transfer limits at Capital One?

Capital One does not offer any option to increase your transfer limit. However, there shouldn’t be a problem with sending as much as you need to, as long as you use the right method to set up your payment.

If you need to send a domestic payment higher than 50,000 USD you can do so by phone rather than online. And if you’re sending money overseas, there’s usually no limit - but you need to visit a branch, which incurs a higher fee than making an online or phone transfer.

What are your online transfer limits with Capital One?

Capital One online transfers can be made to other US based bank accounts only. There’s no limit to how much you send to an external linked account once that account has been linked for 30 days.

You can send 50,000 USD to any company or individual online, or 500,000 USD to a title company.

What’s the best way to send money internationally?

Banks are certainly one option for sending money internationally, as are services like PayPal. But the problem with banks is they can often be slow, expensive and inconvenient. Luckily, there’s a better alternative out there.

You can send money worldwide with Wise for low fees and the mid-market exchange rate. It’s easy and quick to set up a payment online, and you’re guaranteed secure transfers even when sending large sums.

Wise is a money service business (MSB) regulated by 12 international financial authorities, and uses sophisticated security features to keep you and your money safe.

Open a Wise account, and you can send, spend and convert between 40+ currencies whenever you need to. You can even receive money from all over the world using your own local account details.

As if all that wasn’t enough, there’s a Wise debit card too. For a one-time fee of just $9, you can spend in over 150 countries in the local currency. Your USD is automatically converted at the mid-market rate, for just a small conversion fee*.

Open a Wise account today

💡 Need to make a business payment? With the Wise Business account, you can send up to 1,000,000 USD per transfer from licensed states.

Some key features of Wise Business include:

Better visibility and organization of business finances. This is helpful for account reconciliations and audits Major local account details for a simple one-off fee to receive international payments with ease No monthly account fees or minimum balance requirements Receive payments from e-commerce platforms such as Amazon or via Stripe Create invoices using the free Wise invoice generator or invoice templates Accounting integrations, including a QuickBooks Bill Pay connection Batch payment options. Fast payment of up to 1,000 people

Discover the difference between Wise Business vs Personal

What are Capital One's transfer fees and charges?

Capital One’s fees and charges vary depending on how you arrange your payment. Here’s an overview:

	Capital one domestic transfer fee	Capital one international transfer fee
Online	30 USD	Not available
Phone	30 USD	Not available
In branch	Not available	40 USD

A couple of other costs may also apply when you send money overseas with Capital One, which we touch on next - an exchange rate markup, and third party fees.

These are worth watching out for as they can push the price of your transfer up without you even noticing.

Things to keep in mind when transferring high amounts

While you can send domestic payments online or by phone, to send money overseas with Capital One you’ll need to have an eligible account, and visit a branch in person.

To make sure that your transfer is as smooth as possible - especially if you have to take time out of your day to visit to a branch, here are a few things to consider:

High value transfers can require additional verification, to prove that the source of the funds is legitimate. Ask Capital One in advance what’s required for your transfer Ask your recipient to check if they have any receiving limits or receive fees their end so there are no surprises and your transfer can go through smoothly Sending overseas? Check the Capital One exchange rate against the mid-market rate to view any markup used for your particular currency. This can look pretty small but adds up quickly when you’re sending a high value payment Ask Capital One if there are likely to be any third party fees - which can be called correspondent, agent, or intermediary charges - which will be deducted as your payment is processed. These costs can mean your recipient gets less than you intended Consider using a non-bank specialist provider like Wise if you’re sending money overseas. You don’t need to visit a branch, and limits are normally set very high, with low fees and the mid-market rate*

Transfer limits FAQ

What happens if you exceed your Capital One transfer limit?

If you hit or exceed the Capital One transfer limit for an online domestic payment you’ll be able to make your transfer by phone instead. There’s usually no limit when you set up your domestic payment this way. International payments can be unlimited - but do require a visit to a branch to get your money moving.

Are there any fees associated with exceeding transfer limits or requesting limit increases?

The fee for sending a domestic payment by phone - which has an unlimited maximum value - is the same as sending online, at 30 USD.

International payments can only be sent in branch and have a 40 USD transfer fee, although exchange costs and third party charges may also apply.

How often do Capital One transfer limits reset?

Capital One limits are per transaction. However, other limits may also apply which are not disclosed in advance, and which are in place to prevent fraud. If you run into a limit you’ll be notified and you can reach out to Capital One support staff for help.

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Capital One allows eligible account holders to send money domestically and overseas, but the options and limits can vary a lot depending on how you arrange your transfer and where it’s going.

Use this guide to learn more, and if you want to send money overseas without needing to leave home, compare Capital One against digital non-bank alternatives like Wise to see which suits you best.

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Sources:

1. Capital One
2. Capital One wire transfer
3. Capital One checking disclosure

Sources checked on 05.23.2024