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Wise Business Account Limits | US Guide
Wise offers two accounts; One for personal customers, and the Wise Business account, for business users. One advantage of the Wise Business account is that it’s tailored to suit business needs, therefore, it also comes with higher limits.
Some limits apply to accounts to keep customers and their funds safe, and to comply with local and international legislation. This article covers all you need to know about the Wise Business account limits when sending and receiving payments.
| All information related to limits and fees is accurate as of September 24, 2024. For US customers, please see Terms of Use for your region for the most up to date information. Data valid for business accounts. |
|---|
Wise Business Account Limits for Sending Payments
If you live in one of the Wise licensed states you can send the following amounts with Wise.¹
| Business account limits (USD) | |
|---|---|
| Per local ACH transfer | $1,000,000 |
| ACH (bank debit) |
|
| Debit/credit card |
|
| Local wire transfer when paying from your USD account | 6,000,000 USD per local wire transfer |
| International Swift transfer | 1,600,000 USD per international Swift transfer |
With a personal account, there is a lower limit for ACH transfers of $250,000 per 60 day period.
| Set up a Wise Business account online or in the handy Wise app, to send payments to 140+ countries with the mid-market exchange rate and low, transparent fees. |
|---|
To unlock all the features of Wise, you’ll want to open a Wise Business account online or in the Wise app.
Sending money from USD
If you hold USD in your Wise Account you can use it to send payments worth up to 6 million USD.⁴
Different limits apply if you’re sending by local transfer or SWIFT — but you’ll always be notified in the Wise app or on the desktop site if you hit a limit on a payment you’re trying to arrange.
Receiving money to your USD account
Wise Business can receive USD via ACH bank debit, domestic wire, and international Swift payment.
If your routing information starts with 084 there are no limits to how much you can receive into your Wise Account.⁵
If your Wise USD account routing number starts with 026, the following limits will apply:⁵
| Personal limit | Business limit | |
|---|---|---|
| USD limit, per transaction and per day (24 hrs) | 20,000,000 USD | 50,000,000 USD |
| 60 day limit | 250,000 | 400,000 USD |
| USD limit per year | 35,000,000 USD | 150,000,000 USD |
Any money you receive using your USD account details — either by someone else or yourself — will count towards the limit. These limits apply for a rolling 365-day period, and not per calendar year. So, say you receive a payment on 10 April — this will count towards your limit until 11 April the following year.
The limits are higher for Wise Business customers, to enable businesses to receive payments from customers with ease, without worrying about needing to increase any limits.
For accounts with 026 routing numbers, there are no limits if you choose ‘Add USD’ when you add funds to your account, or if you’re converting from another currency within Wise.
Using your USD routing number and account number, you can receive:
- ACH and domestic wire payments in USD from anywhere in the US
Using your USD Swift/BIC and account number, you can receive:
- international wire/Swift payments in USD from certain countries
Using your USD routing number and account number, you can’t receive:
- payments in currencies other than USD
| The Wise Business account is designed with international business in mind. You can get major currency account details for a one-off fee to receive overseas payments like a local. |
|---|
You can bookmark this guide to check the Wise Business limits, so that using your account is smooth sailing.
| Read the guide on how to open a Wise Business account |
|---|
**Sources:**
- Wise - Licensed states
- USD Sending limits
- Transaction speed claimed depends on individual circumstances and may not be available for all transactions
- Wise Help - Limits on receiving money
- Wise Help
Sources checked on 09.24.2024
*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.
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