Personal Finance

Full guide to (Transfer)Wise limits in 2024

Gabriela Peratello

30.07.24 (last updated)

Read time 3 minutes

Need to know about the Wise transfer limit? You’re in the right place.

This covers all you need to know about the limits when sending and receiving payments with Wise (now called Wise), including the Wise ACH limit, Wise monthly limit and the Wise withdrawal limit if you hold a Wise debit card.

All information related to limits and fees is accurate as of July 30, 2024. For US customers, please see Terms of Use for your region for the most up to date information. Data valid for personal accounts.

Wise transfer limits

Let’s dive right into the Wise daily limit, and the limits that apply for different payment types.

If you live in one of the Wise licensed states¹, or if you’re from a country outside of the US (aside from US territories), you can send the following amounts with Wise².

Payment type	Per transfer	Daily (every 24h)	Weekly	60 day period
Wire transfer	1,000,000 USD	-	-	-
USD balance top up	6,000,000 USD	-	-	-
ACH payment	50,000 USD	50,000 USD	-	250,000 USD
Debit/credit card	2,000 USD	2,000 USD	8,000 USD	-
SWIFT	1,600,000 USD	-	-	-

If the address associated with your Wise Account is in Nevada you can send up to:

50,000 USD per transfer

250,000 USD in a year

10,000 USD per day by ACH

Set up a personal or business Wise Account online or in the handy Wise app, to send payments to 160+ countries with the mid-market exchange rate and low, transparent fees.

Wise secure international payments arrive fast — with over 60% being deposited instantly into the recipient’s account³ — and can mean you save money compared to using your normal bank.

Get started with Wise

Wise Account limits

To unlock all the features of Wise, you’ll want to open a Wise Account online or in the Wise app.

Let’s take a look at the Wise Account personal limits you should know about:

Sending money from your USD balance

If you hold a USD balance in your Wise Account you can use it to send payments worth up to 6 million USD⁴.

Different personal 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 into your USD balance

If your Wise USD account routing number starts with 026, the following limits will apply⁵:

	Limit
Per transfer	20,000,000 USD
Per day	20,000,000 USD
Per year	35,000,000 USD

For accounts with 026 routing numbers, these limits do not apply if you choose Add USD when you add funds to your account, or if you’re converting from another currency balance within Wise.

If your routing information starts with 084 there are no limits to how much you can receive into your Wise Account⁵.

Hold and exchange 40+ currencies, get local bank details for 10 currencies, and send payments to 160+ countries. That means it’s easy to send, spend, and receive foreign currencies.

And when it’s time to exchange your funds to another currency, you’ll get the real mid-market exchange rate every time. There are no ongoing charges to pay — just low, transparent fees⁷ for the services you use.

Get a Wise Account

Wise card limits

Get your Wise international debit card for a low, one time fee⁷, and you can make payments and withdrawals in 174 supported countries around the world.

Different payment types have different limits — they’re set to a default level when you get your card, which you can manage in the Wise app or on the desktop site, to set your preferred amount up to payment type maximums. You can also turn off a specific payment type entirely.

Here are the payment types supported by the Wise card:

Chip and PIN
Online payment
Magnetic stripe
Apple/Samsung/Google Pay
ATM withdrawal

We’ll look at all the Wise card limits⁶ one by one now.

Single payment

Payment type	Default limit	Maximum limit
Chip and PIN	1,000 USD	2,000 USD
Magnetic stripe	1,000 USD	1,500 USD
Apple/Samsung/Google Pay	200 USD	400 USD
Online payment	1,000 USD	2,000 USD
ATM withdrawal	250 USD	1,000 USD

Daily limits

Payment type	Default limit	Maximum limit
Chip and PIN	1,000 USD	2,000 USD
Magnetic stripe	1,000 USD	1,500 USD
Apple/Samsung/Google Pay	500 USD	1,000 USD
Online payment	1,000 USD	2,000 USD
ATM withdrawal	250 USD	1,000 USD

Monthly limits

Payment type	Default limit	Maximum limit
Chip and PIN	5,000 USD	15,000 USD
Magnetic stripe	1,500 USD	6,000 USD
Apple/Samsung/Google Pay	1,500 USD	4,000 USD
Online payment	1,500 USD	6,000 USD
ATM withdrawal	1,500 USD	4,000 USD

💡 Not sure if the Wise international debit card is right for you? Here’s what you need to know:
Available to all Wise personal account holders Link to your Wise Account to hold 40+ currencies Free to spend any currency you hold in the account Make 2 withdrawals to the value of 100 USD free per month, with a 1.5 USD + 2% fee after that⁷ Auto convert features converts your balance to the currency you need, with the lowest possible fee every time

Get a Wise card

No matter what you want to do with your Wise Account — make a payment, manage a currency balance or spend and make withdrawals internationally, the process is pretty simple.

Some limits apply to accounts to keep customers and their funds safe, and to comply with local and international legislation. Use this guide to get clued up on Wise limits, so there are no surprises when you use your account.

Sources:

Wise - Licensed states
Wise - Guide to USD transfers
Transaction speed claimed depends on individual circumstances and may not be available for all transactions
Wise Help - Limits on receiving money
Wise Help - What are my spending limits?

Sources checked on 07.22.2024

*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.