Navy Federal transfer limits [2024]

If you use Navy Federal®¹ and need to make a payment at home or abroad you’ll need to learn more about your transfer options and how much you can send.

This guide will look at the Navy Federal transfer limit for ACH and wire, and the Navy Federal member-to-member transfer limit, so you can check your payment can proceed smoothly.

Navy Federal's transfer limits overview

Navy Federal has several different ways to make payments, so you can pick the right one for you based on your payment type and whether you need to make a bank deposit, send money for cash collection, or get a payment abroad.

If you want to make a Navy Federal member to member transfer you could pick Zelle® with instant and 3 day payment options, as well. Different fees apply to each service.

We’ll walk through the Navy Federal transfer fees a little later - first let’s take a look at the Navy Federal transfer limits. Here’s a quick overview of the key limits which apply:

	Navy Federal limits
Navy Federal ACH transfer²	5,000 USD per business day 15,000 USD in any 5 day period
Navy Federal Zelle instant transfer³	1,500 USD per day 3,000 USD in a 30 day period
Navy Federal Zelle 1-3 day transfer	3,000 USD per day 3,000 USD in a 30 day period
Navy Federal wire transfer⁴	No limit specified
Navy Federal cash transfer⁵	10,000 USD per transaction

Navy Federal international transfer limits

Navy Federal offers 2 ways to send money internationally - using the cash service which is provided in partnership with Western Union®, or using a wire.

The limit for the Navy Federal cash service is 10,000 USD per transaction. The cash you send can then be collected at a Western Union agent close to your recipient.

If you’re sending a Navy Federal wire overseas you may find there’s no upper limit to the amount you can send. However, the fee for this service is pretty high, and your recipient is likely to need to wait 5 to 7 days to get their money.

It can also be a bit of a hassle as you can’t send your money directly online or using your phone - instead you have to call, drop into a branch, send your paperwork by mail, or use a secure message and wait for a call back from the Navy Federal staff.

If you want to compare your options for an international payment, 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 Navy Federal transfer limits?

Check your Navy Federal limits online by opening online banking and clicking the

“Help” button. You can then choose “Categories” and “External Transfers” to view the limits which apply to your specific account.

Navy Federal may from time to time need to change or impose additional limits, for security and fraud prevention reasons.

How can you increase your transfer limits at Navy Federal?

Navy Federal does not offer any option to increase your transfer limit. Because there are a few different ways to make a payment with Navy federal you’re likely to find that one fits your needs - although the fees may vary according to the type of transfer required.

There’s no stated upper limit to the value of wire payments that can be sent locally or internationally, for example, although if that’s your only option, bear in mind that there are costs involved. Domestic wires cost 14 USD, and international 25 USD.

What are your online transfer limits with Navy Federal?

Navy Federal online transfers are available through Zelle, or ACH. Here are the limits which apply:

Transfer type	Limits
ACH transfer	5,000 USD per business day 15,000 USD in any 5 day period
Zelle instant transfer	1,500 USD per day 3,000 USD in a 30 day period
Zelle 1-3 day transfer	3,000 USD per day 3,000 USD in a 30 day period

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 Navy Federal's transfer fees and charges?

Navy Federal’s fees vary depending on the transfer type and where it’s going. Here’s a quick review:

Transfer type	Fee
ACH transfer	No stated fee
Zelle transfer	No fee
Domestic wire transfer	14 USD
International wire transfer	25 USD
Cash transfer	14.5 USD

Things to keep in mind when transferring high amounts

Let’s finish up with a few pointers which can help make sure that your transfer is as smooth as possible:

When you send a large amount of money you may need extra verification, to comply with law. Ask Navy Federal in advance if any extra paperwork is 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 If you’re making an international wire or sending cash overseas through Western Union, compare the Navy Federal 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 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 Navy Federal transfer limit?

If you exceed the online Navy Federal aggregate transfer limit you’ll be shown an online message which will give you the dates of transfers which cumulatively exceed the limit.

You can then view your limits online if you need to, to work out when you can next send a payment.

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

Navy Federal doesn’t offer ways to increase your transfer limits - instead you’ll need to pick an alternative payment method. This may mean paying a fee.

How often do Navy Federal transfer limits reset?

Navy Federal limits vary by transfer type and can include daily, 3 day, 5 day, weekly and monthly limits. Check your account terms to view the different limits which might apply to payments you intend to make.

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Navy Federal has a few different ways to send money domestically and overseas, but the limits can vary a lot depending on the method you pick. Use this guide to learn more, and if you want to send money overseas conveniently and with low costs, compare Navy Federal against digital non-bank alternatives like Wise to see which suits you best.

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Sources:

1. Navy Federal
2. Navy Federal online and mobile terms
3. Navy Federal Zelle
4. Navy Federal wire payments
5. Navy Federal cash transfers

Sources checked on 05.23.2024