Capital One Large Transfers [2025] Guide: the How-to, Limits & Fees
Capital One customers in the US may be able to send and receive domestic and international payments, including wires. Not all Capital One account types are eligible for wire payments, so you’ll need to first check the details on your account – then, if you intend to send a large transfer you need to know the Capital One bank transfer limit that applies to your payment type.
This guide walks through how Capital One transfer limits work, and also suggests a few alternative options like Wise and OFX which you may want to consider for a low cost and fully digital international transfer with low fees and minimum hassle.
Quick summary: Capital One transfer limits
- There’s no Capital One transfer limit for international wires, but you can only arrange these payments in person in a branch
- The Capital One transfer limit for online and phone domestic wire payments varies depending on the recipient type
- International wires with Capital One cost 40 USD and can take 10 days to arrive
- If you’re sending money overseas you may find you can get a more convenient, cheaper and quicker service from a digital only provider such as Wise or OFX
Capital One international transfer limit: No limits apply – payments must be made in branch, and not all account types are eligible
Capital One domestic online transfer limit: 500,000 USD to title companies, 50,000 USD to any other person or company, no limit to your own linked account as long as linked for at least 30 days
Capital One domestic phone transfer limit: Not all payment types are supported – no limit to title companies, or to your own linked account as long as linked for at least 30 days
Capital One receiving limit: No limits are specified
| Capital One large transfers pros | Capital One large transfers cons |
|---|---|
| ✅ No Capital One payment limits on international wires ✅No Capital One maximum transfer for sending to your own linked accounts ✅ Domestic payments by wire can be set up online or by phone, depending on the recipient type ✅ Familiar service | ❌ High international wire fees of 40 USD ❌ Capital One international wires must be arranged in person ❌ You can only send to your own linked account after a 30 day wait time |
Sending a payment with Capital One isn’t necessarily a convenient process. International wires must be set up in a branch which means taking time out of your day.
For payments to your own linked accounts, you will also have to register the account and wait for 30 days before a transfer is available. Fees are also on the high side – especially for international wires which cost 40 USD.
While there’s no upper limit on the amount you can send overseas with Capital One, you may decide that the cost savings and convenience offered by digital first providers like Wise and OFX makes them a better bet.
Can you send high value international transfers with Capital One?
Yes. As long as you have an eligible account type you can send a Capital One international payment with no limits. You’ll need to check your own account’s terms and conditions, or call 1-800-655-BANK to check if your account is eligible to make international payments before you start. Then, you can only make your payment by visiting a Capital One branch in person.
Capital One high amount transfer fees
The Capital One fee to send a high amount transfer depends on whether you want to make a domestic or international payment. Domestic wires can be sent online and by phone, and have a transfer fee of 30 USD. International wires can only be arranged in person at a branch and have a fee of 40 USD.
In addition, international payments may incur third party fees and exchange costs. Third party fees include charges which are levied by correspondent banks and by the recipient’s own banks. These fees are not taken by Capital One, but they can still mean that the received amount is less than you expected in the end.
Capital One exchange rate for international transfers
When you set up your international payment in your local branch, you can ask the team about Capital One’s exchange rates for your currency pair. Capital One rates may include a markup or fee. To see this charge you would need to compare the rate you’re quoted by Capital One against the mid-market rate you can find on Google or with a currency conversion tool.
Understanding the exchange rate markup is important, particularly when sending a high value payment. Because the markup is a percentage fee, it may look small on paper, but it can quickly mount up on higher value transfers. Depending on the amount of money you’re sending, the markup can quickly be the highest fee you’ll pay to move your money.
Compare the exchange rates available from Capital One with other providers like Wise and OFX to see which offer the best deal.
Is Capital One safe for large amount transfers?
Capital One is a safe provider to send money with, even when you’re making a high value international transfer. You’ll need to arrange your payment in a branch and may also have to take ID and other documents with you, so the bank team can make sure your payment is legitimate. Other security measures are in place if you’re making a phone or online wire within the US, so you’ll know your money is processed carefully.
Capital One transfer limits
Here’s a roundup of the Capital One transfer limits for different payment types:
| Capital One payment type | Capital One limit |
|---|---|
| International wire transfer in branch | No limit |
| Domestic online transfer | 500,000 USD to title companies 50,000 USD to any other person or company No limit to your own linked account as long as linked for at least 30 days |
| Domestic phone transfer | No limit to title companies No limit to your own linked account as long as linked for at least 30 days Other payments not supported |
| Capital One receiving limit | Not specified |
*Details correct at time of research – 2nd April 2025
Alternatives to Capital One with higher transfer limits
Sending a Capital One payment may not be the cheapest, fastest or most convenient option. If you’re sending money overseas, Capital One has fairly high fixed fees and requires you to visit a branch which may not be convenient. Digital first services might be able to offer you an easier way to get your money moving, with lower costs and fast delivery times. Compare a few options to decide which works best in your specific situation.
Here are a few international money transfer providers which may be able to help with your payment.
| Providers | International transfer limits | Large transfer fees & exchange rates | Payment methods |
|---|---|---|---|
| Wise | Up to 1 million USD per payment* | Mid market exchange rates, with low, transparent fees Discounted fees on transfers over about 25,000 USD/month | ACH, wire, debit or credit card, SWIFT, Wise account balance |
| OFX | Usually unlimited | No fees, exchange rates include a markup | ACH and wire – other methods may be available depending on your transfer requirements |
| Xe Money Transfer | 500,000 USD per payment | Variable fees, exchange rates include a markup | Bank transfer or card |
| Currencies Direct | Usually unlimited | Variable fees, exchange rates include a markup | Bank transfer – other methods may be available depending on your transfer requirements |
| Currencyfair | Check for details of your limits in the Currencyfair app | 3 EUR or equivalent fee, exchange rates include a markup | Bank transfer |
*Some other limits may apply depending on the details of the transfer. Details correct at time of research – 1st April 2025.
About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
Wise
Wise is a specialist in international transfers and multi-currency accounts for personal and business customers. Wise offers low cost currency conversion and cross border payments to 140+ countries.
Wise payment limits are high – usually around 1 million USD – and there are fee discounts on high value payments over 20,000 GBP which is around 25,000 USD or so.
- Send payments to 140+ countries, in 50+ currencies
- Currency conversion uses the mid-market exchange rate with low, transparent fees for payments
- Discounted fees on higher value transfers, or if you may multiple transfers in a month which aggregate over around 25,000 USD in value
| Wise international transfer pros | Wise international transfer cons |
|---|---|
| ✅ Low fees and the mid-market exchange rate ✅ Send to 140+ countries ✅ High transfer limits ✅ Discounted fees on higher value transfers | ❌ Fees vary based on destination country ❌ No cash services for pay in or pay out |
💡 Learn more about it on our Wise large amount transfers guide.
OFX
OFX is well known for great customer service, and offers a 24/7 phone service to customers around the world. OFX personal and business customers can make international transfers in 50+ currencies, and access currency risk management products too. Payments are usually unlimited, with no transfer fee – an exchange rate markup will apply.
- Send to a huge range of countries, in 50+ currencies
- 24/7 personal phone service
- One off and recurring international transfers available
| OFX international transfer pros | OFX international transfer cons |
|---|---|
| ✅Personal phone service if you need help and advice, plus no upfront transfer fee ✅Send payments in 50+ currencies with no fee ✅Business and personal services supported ✅Access to more complex currency products like limit orders | ❌Exchange rates include a markup ❌Card payments not usually accepted |
Xe Money Transfer
Xe Money Transfer lets you send a payment online or in app to 130+ countries from the US, for personal or business use. Xe has a fixed limit of 500,000 USD or the currency equivalent per personal payment. This limit does not apply on business transfers.
- Send up to 500,000 USD in a single online payment
- Payments available to 130+ countries
- Pay by bank transfer or with a card
| Xe Money Transfer international transfer pros | Xe Money Transfer international transfer cons |
|---|---|
| ✅Well known service which is part of the largest money transfer business in the world ✅Low fees are often available – some payments have no fee at all ✅Sent to 130+ countries ✅Get currency exchange rate data to view and check trends in the market | ❌Variable fees and delivery times ❌Exchange rates include a markup |
💡 Learn more from our Xe money transfer limits guide.
Currencies Direct
Currencies Direct has been established since 1996 and serves 500,000+ people globally, with payment services to 120+ countries and a dedicated personal account management service. You can send money online and in the app, and pay with bank transfer. Payments are usually unlimited.
- Send money to 120+ countries with just your phone
- No limits on the amount you can send
- Personal support and account management services
| Currencies Direct international transfer pros | Currencies Direct international transfer cons |
|---|---|
| ✅Send to 120+ countries ✅Get a personal broker or account manager to help you ✅Send one off or recurring payments ✅Award winning service offer | ❌Transfers have a variable fee ❌Exchange rates include a markup |
Currencyfair
Currencyfair supports payments in 20+ currencies to 150+ countries, with a flat fee no matter how large your payment is. Exchange rate markups apply, but Currecnyfair states that the markups are small and competitive against banks. Services are easy to use and all you’ll need is your phone once you’ve registered an account.
- Send to a very large range of countries – 150+ supported
- Flat 3 EUR or equivalent fee for all transfers
- Small exchange rate markups apply which are competitive against banks
| Currencyfair international transfer pros | Currencyfair international transfer cons |
|---|---|
| ✅Flat fee of 3 EUR or the equivalent, even on large transfers ✅Send to 150+ countries ✅Set up rate alerts to keep an eye on market movements ✅Large and trusted business | ❌Variable payment limits – check your own limits in app ❌Exchange rates include a markup |
💡 Compare different providers to find the best ways to send large amounts of money internationally.
How long do large transfers take with Capital One?
Capital One international transfers can take 10 business days to be deposited to your recipient’s account.
Capital One domestic transfers can be deposited on the same day you arrange them if you meet the cut off time – or they will be deposited on the following business day if you set up your payment after 2pm.
If you need your payment to arrive in your recipient’s bank account overseas more quickly, an alternative like Wise or OFX may suit you better.
How to send a large amount transfer with Capital One
If you want to send a high value payment overseas, you’ll need to visit your local Capital One branch to set up the payment. It’s a good idea to call ahead and make sure you know exactly what’s needed – you might have to take along ID, or proof of the source of the funds, depending on the payment type and value, for example.
If you’re sending money locally in the US with a wire, you can do so up to the specific limits for the recipient type, online.
Here’s how to send a domestic high value wire with Capital One online:
- Sign in to your account on capitalone.com
- Click on the account you want to send the wire from
- Click “Account Services & Settings”
- Click “Wire Money” and enter the required information following prompts
- Check and confirm
Information needed to send large amounts of money with Capital One
If you’re sending a payment overseas with Capital One you’ll need to do so in a bank branch, where a member of the team can guide you through the process. It’s worth checking in advance if you need any specific information or documents to set up your payment, such as proof of the source of the funds. Whether or not that’s needed may depend on the value and destination of the transfer.
Aside from that, the information usually needed to send a payment overseas with Capital One includes:
- Name of recipient
- Recipient’s address
- Recipient’s account number
- Recipient bank’s SWIFT/BIC code
- Recipient bank’s address
- Intermediary bank information if you have it
- Destination specific information, like a sort code for the UK or CLABE for Mexico
Here’s what’s needed to send a payment with Capital One to a person or business in the US:
- Name of recipient
- Recipient’s address
- Recipient’s routing number (ABA)
- Recipient’s account number
- Recipient bank’s address
Is it possible to increase Capital One transfer limits?
There’s no limit on the amount you can send overseas with Capital One in a branch. If you’re sending a domestic wire you need to do so by phone or online, where different limits apply based on the recipient type. Phone payments to your own eligible linked accounts or title companies are not subject to limits.
If you hit a limit when sending a payment with Capital One you’ll need to check if they can help you send the payment in any other way. Whether or not this is possible may depend on the payment information, your account type and your relationship with the bank.
How to increase Capital One transfer limits
Capital One does not give any specific information about how to increase your limits on domestic payments. Arranging your payment by phone – if you are sending to your own eligible linked accounts or title companies – has no limit.
If you’re sending a payment to a non-title company, or a person in the US, you will need to talk to the bank to get their advice about how to manage your payment. If limits can not be increased you may be advised to split your transfer into several smaller ones to meet the payment amount you require – this will mean paying the transfer fee several times.
How to receive large transfers with Capital One
You can receive payments to Capital One accounts with no specified limit on the amount. If you receive a payment into the following account types, you’ll pay a 15 USD receiving fee:
- Essential Checking
- High-Yield Checking
- Essential Savings
There’s no fee for other account types.
If you’re receiving a payment, you’ll need to give the sender the following information:
- Capital One’s swift code (IBAN): HIBKUS44
- Capital One’s address: 1680 Capital One Drive McLean, VA 22102-3491
- Your Capital One account and routing numbers
Alternatives to Capital One for receiving large payments
You can receive USD payments to Capital One but if someone is sending you a payment from abroad it may be more convenient and cost effective to receive it in a foreign currency. In this, case, Capital One can not help, but alternative providers like Wise and OFX can:
Wise Account: Receive money with local and SWIFT account information in 20+ currencies, with quick payment options and low or no fees. Hold, send, or spend your money as you choose, with mid-market exchange rates and low-transparent fees.
OFX Global Currency Account: Receive business payments in 7 major currencies to your OFX account, which you can use for future payments or withdraw to your US bank later. There’s no OFX fee to receive a payment in a foreign currency with your local account information. Unfortunately OFX doesn’t offer this account to new customers anymore.
Revolut Account: Hold money in 25+ currencies in your Revolut account, which you can spend with your Revolut card, use for future payments or withdraw to your US bank later. In some cases you can receive in foreign currencies using local details – in other cases you need to use SWIFT details, which can be slower and come with higher costs.
Capital One business payments limits
Capital One offers several different business banking products including the Basic and Enhanced Checking accounts. Each has its own fee schedule, and the limits which apply may vary depending on your business needs and the account type. Capital One offers services via business banking managers who can help you understand the right account type for your specific business needs, and the limits and fees which apply.
Capital One customer support for high amount transfers
Got questions about a transfer, or how to arrange your next wire? There’s lots of information on the Capital One online help center, or you can connect with the team directly. You can either call into your local Capital One branch to ask for help, or give them a call on 1-877-383-4802.
If you’d need more information, our other guides on large amount international transfers might help you:
- Chase large international transfers
- Bank of America large international money transfers
- Large international money transfers with Wells Fargo
- Large transfers with Charles Schwab
- PayPal international transfer limits
Conclusion: Does Capital One have transfer limits?
Capital One transfer limits depend on the payment type you’re making. While there’s no Capital One transfer limit for international wires, you can only arrange these payments in person in a branch, and relatively high fees apply. If you’re sending payments in the US, the Capital One transfer limit for online and phone domestic wire payments varies depending on the recipient type. Not all Capital One accounts are eligible to make a wire transfer, so you’ll also need to check your account details before you start to arrange a payment.
You might find you can arrange a smoother, cheaper and faster payment – particularly when sending internationally – with a specialist digital provider like Wise or OFX. Both allow you to set up transfers overseas with nothing more than your phone, 24/7, and offer low fees and great exchange rates. Use this guide to compare your options and pick the most convenient service for you.
Capital One transfer limits FAQs
How much can I transfer with Capital One internationally online?
You can not send a payment overseas with Capital One online, you can only arrange these payments in person in a branch, and relatively high fees apply. For a fully digital international payment, check out a specialist digital provider like Wise or OFX.
What is the maximum amount you can transfer abroad with Capital One?
There’s no Capital One transfer limit for international wires – but you do need to visit a branch to send your payment, and the transfer fee is 40 USD. Exchange fees and third party costs may also apply. Use this guide to compare your options, including providers like Wise or OFX, and pick the best service for you.
How can I increase the Capital One maximum transfer limit?
There’s no Capital One transfer limit for international wires. Capital One does not give any specific information about how to increase your limits on domestic payments. Contact your branch directly to ask for advice if you hit a limit on your USD transfer.
Relevant article: Capital One card foreign transaction fees.
