Fidelity transfer limits [2026]

Fidelity Investments is one of America's largest financial services companies, popular for its investment accounts and retirement planning. It also allows you to send money.

You may be moving money into your Fidelity account to start investing or transferring funds out to cover expenses, and you want to understand your Fidelity transfer limit. So, how much money can you send with Fidelity?

That's a fair question, but there's no single straightforward answer to it. Each transfer method comes with different rules, time frames, and transfer limits that could affect your financial plans. Here's what you need to know.

We'll also introduce Wise — your international money transfer alternative. Use Wise to send stress-free transfers to over 140 countries - all at the standard mid-market exchange rate.

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Fidelity transfer limits overview

Fidelity offers several ways to move money, but the 2 most common methods are electronic funds transfers (EFTs) and bank wires. Each comes with different limits.

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*For more information, please visit https://wise.com/us/large-amounts/.

You have other options, too. You can also transfer money through paper checks and third-party payment apps.

Fidelity accounts work with PayPal, Venmo, Square, Apple Pay, Google Pay, and Samsung Pay, though these methods typically come with much lower transfer limits.¹

Fidelity international transfer limits

Sending money overseas from your Fidelity account usually requires using their bank wire service.²

You'll need to complete the Bank Wire Authorization form to transfer USD from your Fidelity account to an international bank. This service works for urgent transfers to your accounts or someone else's account at banks or financial institutions in eligible countries.

Fidelity wire transfer limits for this service are:³

• Minimum daily limit: 100 USD
• Maximum daily limit: 100,000 USD

So, it may not be the best way to send a large amount of money internationally.

However, these limits are for online transactions. You may be able to send more if you get in touch with Fidelity directly.

Send high amount, low cost international transfers with Wise

A smart option if you’re sending money overseas: meet Wise.

Over 70% of Wise payments arrive instantly* — and all Wise transfers are deposited directly into your recipient's bank account for convenience.

No ongoing fees, no hidden charges and no hassle — just fast, transparent international transfers that can beat the banks.

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*Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.

How can you check your Fidelity transfer limits?

Your Fidelity transfer limits depend on a few different factors, such as who you're sending money to, which transfer method you're using, and whether you're moving money domestically or sending an international wire transfer.

It's likely that the most straightforward way to find out your particular limits is to start the transfer process through your Fidelity account. When you attempt a transfer, the system will stop you if you exceed your limit.

For larger transfers or international wires, you'll often need to complete authorization forms first. Fidelity reviews these forms and will notify you if your requested amount exceeds what's allowed for your chosen transfer method. They might offer you another solution, too.

Can you increase your transfer limits at Fidelity?

Fidelity may be able to increase your transfer limits, but they have to follow federal regulations and their risk management policies. So, it'll likely depend on your account history, the type of transfer, and other factors they evaluate on a case-by-case basis.

If you need to send a large amount, they invite you to call Fidelity customer service at 800-343-3548 to discuss your situation and hear what options might be available.¹

What are Fidelity's transfer fees and charges?

Fidelity doesn't charge fees for sending or receiving electronic funds transfers (EFTs), and they don't charge processing fees for outgoing wire transfers either.¹

However, you might still face charges from other banks involved in your transfer.¹

If you're receiving money from another bank, that bank might charge an outgoing wire fee. If you're sending money to an account at a different bank, the receiving bank often charges an incoming wire transfer fee.

Plus, for international transfers, Fidelity may apply a foreign exchange rate markup when converting USD to other currencies. This markup means you'll get less foreign currency than the current mid-market exchange rate would suggest.⁴

In other words, you most likely won't get the same amount of money you see on Google when you convert USD into a foreign currency like EUR.

Things to keep in mind when transferring high amounts

Fidelity can likely handle large transfers, but the process may not be smooth or transparent. You might face additional verification steps and longer processing times, depending on how much money you're trying to send and where it’s going.

Most importantly, currency conversion can become expensive with large amounts. It’s hard to predict, and it’s often automatically included in the transaction, so you can’t even clearly see how much money you’re losing on the conversion.

With Wise, you can send secure and trackable large amount transfers to 140+ countries worldwide with transparent fees and the fair mid-market exchange rate.

Have a look at the main benefits for using Wise to send large transfers:

• Dedicated support for large transfers
• Fast and easy setup with no physical paperwork
• Upfront, transparent fees
• Fully trackable transfers
• Fast transfer times
• Two-factor authentication and real-time notifications

🚀 Get started with Wise

Sources

1. Fidelity - How to choose between an EFT or a bank wire
2. Fidelity - How to send an international wire from Fidelity
3. Fidelity - Bank Wire Authorization
4. Fidelity - Outgoing International Bank Wire