Wells Fargo transfer limits [2025]

Wells Fargo is one of America's largest banks, and one of the financial services it offers is transferring money to other people or businesses.

There are 3 main ways to transfer money with Wells Fargo: Wells Fargo Digital Wires, Zelle, and ExpressSend.¹

Each of these services comes with certain transfer limits, with Zelle offering the lowest. Here's everything you need to know about Wells Fargo transfer limits.

You'll also learn about Wise — a fast and easy way to send money abroad. It's simple and secure, with high transfer limits, low fees, and no exchange rate markups. Let's dive in!

Wells Fargo transfer limits overview

There are 3 different ways to send money with Wells Fargo:

• Zelle: Send money directly to almost any US bank account using only an email address or a US mobile phone number²

• Wires: Transfer funds to personal and business accounts across the US and to 200+ countries worldwide³

• ExpressSend: Send money to 12 countries with over 49,000 payout locations, including Mexico, Colombia, and the Philippines, with lower fees than wire transfers⁴

Wells Fargo's transfer limits depend on how you decide to send funds. Here's a breakdown of the current transfer limits.

For Digital Wires, you can check your transfer limits in online banking.³ These likely vary based on your account history and standing with Wells Fargo.

For ExpressSend, the limits also depend on the specific remittance provider. For example, Banco Santander in Mexico has a daily limit of 500 USD for cash pickup and 600 USD for direct credit to account.⁶ You must visit a branch to enroll in this service.

What is Wells Fargo’s daily transfer limit?

The daily transfer limit depends on which service you use. For example, Wells Fargo's Zelle limit is different from ExpressSend.

Here's what to expect:

• Zelle: 3,500 USD per day⁵
• ExpressSend: 5,000 USD per day across all beneficiaries⁶
• Wire Transfers: Check in online banking³

Wells Fargo international transfer limits

If you need to send money internationally, you can use Wells Fargo's international wire transfer or ExpressSend (only available in certain countries).

For international wire transfers, Wells Fargo doesn't publicly disclose standard limits. You'll need to check in online banking or speak with a representative to confirm your international wire transfer limit.³

ExpressSend is only available in 12 countries in Latin America and Asia. The daily limit is 5,000 USD across all beneficiaries and 12,500 USD over the 30-day rolling period.⁴⁶

However, ExpressSend limits also largely depend on the destination country and the specific financial institution receiving the funds. For example, Metrobank in the Philippines allows up to 3,000 USD daily for account credits.⁶

Send high amount, low cost international transfers with Wise

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

Over 50% 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.

🚀Get started with high amount transfers

*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 Wells Fargo transfer limits?

To check your Wells Fargo wire transfer limits, log in to your online banking. You'll be able to see your specific limits before you complete the transaction. These limits can vary depending on factors like your transaction history and where you're sending money to.

For Zelle and ExpressSend, the limits are the same for everyone.

Can you increase your transfer limits at Wells Fargo?

For wire transfers, you can request higher limits by visiting your local Wells Fargo branch in person.³

For Zelle and ExpressSend, increasing your transfer limits may not be possible. You can contact Wells Fargo's customer service or visit a branch, but these services have standard limits that typically apply to everyone.

What are Wells Fargo's transfer fees and charges?

The cost of sending money with Wells Fargo depends on which method you choose.

When you send money internationally, you also need to take into account currency exchange rate markups. Wells Fargo applies a markup to the exchange rate, which means you'll receive less foreign currency than what the mid-market rate would give you.³

Intermediary banks and the recipient's bank can also sometimes charge their own fees, reducing the final amount that the person or business you're sending money to will receive.

Things to keep in mind when transferring high amounts

Sending high amounts can sometimes involve extra steps and requirements. Here's what to expect:

• Verification requirements: For large transfers, especially international ones, Wells Fargo may request additional documentation to verify the origin of your funds and who you’re sending them to

• Potential delays: Sending high amounts can potentially trigger extra security reviews, which can delay your transfer

• Daily and monthly limits: If the amount you need to send is over your daily or monthly limits, you’ll need to split the transaction across multiple days or weeks

As long as your transaction is legitimate, you shouldn't have any issues transferring a large amount of money with Wells Fargo, but it may take longer than a smaller transfer.

If you need to send money with Wells Fargo, you can use Zelle, ExpressSend, or Digital Wires. All of these services come with certain limits.

If you’re looking for high transfer limits, use Wise. Send up to 1,000,000 USD per wire transaction to 160+ countries with low fees.

Sources

1. Wells Fargo - Ways to Send Money
2. Wells Fargo - Zelle Questions
3. Wells Fargo - Wells Fargo Digital Wires
4. Wells Fargo - ExpressSend Global Remittance Services
5. Bankrate - Zelle limits at top banks
6. Wells Fargo - Wells Fargo ExpressSend Transfer Limits