Navy Federal Large Transfers [2025] Guide: the How-to, Limits & Fees
Navy Federal customers can transfer money by various methods including wire, ACH, and Zelle payments. There are different Navy Federal bank transfer limits depending on the transfer type you select, which means you’ll need to check the Navy Federal maximum transfer amount for different payment types if you’re sending a high value transfer.
This guide walks through how Navy Federal 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: Navy Federal transfer limits
- The Navy Federal transfer limit varies depending on the type of payment you select. Options include wire, ACH, Zelle, Western Union and check
- Navy Federal payment limits are not specified on domestic and international wire payments
- To make wire transfers over 5,000 USD in value you must submit your request in writing in person or using a secure message
- International wires with Navy Federal cost 25 USD and can take 5 to 7 days to arrive
- If you’re sending money overseas you may find you can get a cheaper and quicker service from an alternative, specialist provider such as Wise or OFX
| Navy Federal large transfers pros | Navy Federal large transfers cons |
|---|---|
| ✅ Secure and familiar option ✅ Different transfer types available, depending on your specific needs ✅ Transfer in person, using the app, or by phone in some cases ✅ Transfers available domestically and internationally | ❌ High wire transfer fees of 25 USD per payment ❌ International wires may take 7 days to arrive ❌ Low ACH limits apply |
- Navy Federal wire transfer limit: Not specified – payments over 5,000 USD must be submitted in writing
- Navy Federal ACH transfer limit: 5,000 USD per day, to a maximum of 15,000 USD in a 5 day period
- Navy Federal Zelle instant transfer limit: 1,500 USD per day, to 3,000 USD in a 30 day period
- Navy Federal Zelle 1 – 3 business day transfer limit: 3,000 USD per day, to 3,000 USD in a 30 day period
- Navy Federal Western Union transfer limit: 10,000 USD
- Navy Federal receiving limit: Not specified
Navy Federal offers various different payment methods which all have their own pros and cons. This should allow you to pick the method which suits your needs best.
For local payments you may choose Zelle or ACH, for example – but here the limits are fairly low. Using a wire is an alternative for both local and international transfers, but the costs are pretty high, and delivery may take several days. As an alternative for digital transfers overseas, consider a provider like Wise or OFX.
Wise and OFX are specialists in international transfers which can arrive quickly, and come with low fees and great exchange rates. More on that later.
Can you send high value international transfers with Navy Federal?
If you’re looking to send a payment overseas to a bank account, you’ll need to arrange a Navy Federal international wire. There’s no limit specified on wire payments, but you may need to provide additional supporting information and documents for a high value payment. Any transfer of over 5,000 USD in value must be arranged in writing, either by mail or using a secure message in the bank’s app.
Navy Federal high amount transfer fees
The transfer fee for Navy Federal international wires is 25 USD, plus any relevant third party fees. Third party fees may be applied by correspondent banks which help to process your payment.
If you’re sending a high value payment within the US, you can also set up a domestic wire which has a fee of 20 USD.
Navy Federal exchange rate for international transfers
Navy Federal exchange rates for international transfers are set in partnership with correspondent banks. The exchange rate you’re quoted will include the cost of exchange, which means that there’s a fee added to the mid-market rate to calculate the retail rate available.
You can see the mid-market exchange rate using a currency converter tool or a Google search, and compare this to the rate you’re quoted by Navy Federal. The fee that’s added is a percentage, which means that even if it’s only pretty small it can mount up quickly on higher value payments. Compare your options from Navy Federal with other providers like Wise and OFX to see which can offer you the best exchange rates for your specific currency combination.
Is Navy Federal safe for large amount transfers?
Navy Federal is a safe and trusted credit union which is safe to use, even when sending large amounts. All of the services Navy Federal offers for money transfer use stringent safety controls and are safe to use with normal precautions.
Navy Federal transfer limits
Navy Federal money transfer limits depend on the specific transfer type you want to make. Limits may apply per payment, per day, or per month for example – so you’ll be able to select the service which best matches your needs. Here are the limits on how much you can send with Navy Federal, depending on the payment type:
| Navy Federal payment type | Navy Federal limit |
|---|---|
| Domestic or international wire transfer | No limit specified |
| ACH | 5,000 USD per day, to a maximum of 15,000 USD in a 5 day period
|
| Zelle instant transfer | 1,500 USD per day, to 3,000 USD in a 30 day period
|
| Zelle 1 – 3 business day transfer | 3,000 USD per day, to 3,000 USD in a 30 day period |
| Western Union transfer | 10,000 USD |
| Navy Federal receiving limit | Not specified |
*Details correct at time of research – 1st April 2025
Alternatives to Navy Federal with higher transfer limits
Although you can arrange a high value transfer with Navy Federal, the process isn’t necessarily the easiest or fastest. You’ll need to request any international payments of 5,000 USD or more in writing and your money could take 7 days to arrive.
Before you initiate your payment with Navy Federal, compare your options with a few alternatives which may offer easier and faster solutions.
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 transfer 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 Navy Federal?
Navy Federal offers several different payment methods which all have their own average delivery times. Here’s a summary of the anticipated delivery times you may expect – bear in mind that transfer times can vary due to factors like the country you’re sending money to.
| Navy Federal payment type | Navy Federal delivery time |
|---|---|
| Domestic wire transfer | 1–2 business days |
| International wire transfer | 5–7 business days |
| Zelle instant transfer | Within minutes |
| Zelle 1 – 3 business day transfer | 1–3 business days |
| Western Union transfer | Variable delivery times depending on destination |
*Details correct at time of research – 1st April 2025
How to send a large amount transfer with Navy Federal
If you’re sending a large payment the chances are that your best choice would be either using a wire, or arranging a payment for cash collection through Navy Federal’s partnership with Western Union. Here’s how each option works.
Send a payment to a bank using a wire
- Gather the information required by Navy Federal
- Complete the transfer request form which is available online
- Send the transfer request form using a secure message, or visit a branch
- The credit union will contact you to process the wire
Send a payment for cash collection at a Western Union agent
- Gather the information required by Navy Federal
- Send the payment information using a secure message, or visit a branch
- The credit union will process the payment and it can be collected at your preferred Western Union agent location
Information needed to send large amounts of money with Navy Federal
To send a wire with Navy Federal you’ll need to complete a transfer request form which must include the following information:
- Payee name and address
- Payee account number
- Account type
- International Bank Account Number (IBAN) or Clave Bancaria Estandarizada (CLABE)
- Bank name and address
- SWIFT/BIC of receiving bank
- Corresponding or intermediary bank name and routing number if known
You’ll also need to provide transfer Information including the purpose of the wire and the currency for deposit.
If you’re sending a payment for cash collection, the information needed is as follows:
- Payee’s name
- Pickup location
- Sender’s occupation (for requests over 3,000 USD)
- Currency required for collection
- Identification number
Is it possible to increase Navy Federal transfer limits?
Navy Federal does not give any information about how to increase the limits on different payment types. If your payment is of a higher value, you may be asked to visit a branch to set up a wire in person.
How to increase Navy Federal transfer limits
You’ll need to talk to the team at Navy Federal about your payment if it exceeds the payment limit on your preferred transfer type. Wire transfers with credit unions are often unlimited, which may mean that setting up a wire is your primary option for high value payments.
How to receive large transfers with Navy Federal
To receive a payment to your Navy Federal account you’ll need ro give the sender the following information:
- Your name as shown on your NFCU account
- NFCU account number
- Navy Federal’s Routing/ABA Number: 256074974
- Navy Federal’s address: 820 Follin Lane SE, Vienna, VA 22180
- Navy Federal’s SWIFT/BIC: NFCUUS33XXX
Payments can only be received to Navy Federal accounts in USD.
Alternatives to Navy Federal for receiving large payments
You can receive USD payments to Navy Federal 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, Navy Federal can not help, but alternative providers like Wise and OFX can:
Wise Account: Receive money with local and SWIFT account information in 8+ 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.
Navy Federal business payments limits
Navy Federal doesn’t specify limits for business payments, as these may vary depending on the specific account type you hold. Contact Navy Federal directly if you’re considering using business services, to see how they can help.
Navy Federal customer support for high amount transfers
Navy Federal customer support is available through various different routes, depending on your preference:
| Contact method | Details |
|---|---|
| Navy Federal phone | 1-888-842-6328 |
| In app | Send a secure message through the credit union’s app |
| Navy Federal contact mail | Navy Federal Credit Union, Attn: Funds Disbursement Section, 820 Follin Lane SE, Vienna, VA 22180 |
| In branch | Call into your local branch to get in person support |
If you’d need more information, our other guides on large amount international transfers might help you:
- Chase large transfers
- Capital One large transfers
- Bank of America large money transfers
- Large money transfers with Wells Fargo
- Large transfers with Charles Schwab
- PayPal transfer limits
Conclusion: Does Navy Federal have transfer limits?
Navy Federal has transfer limits which depend on the specific payment type you want to make. Generally, sending a wire payment will offer you a high limit – transfers may even be unlimited. However, Navy Federal international wires have a 25 USD transfer fee and can take 7 working days to arrive.
This may mean you can get a more efficient – and often cheaper – service through a specialist provider like Wise or OFX. Compare some options including alternatives to Navy Federal, to see which works best for your specific needs.
Navy Federal transfer limits FAQs
How much can I transfer with Navy Federal internationally online?
There’s no specified limit on international wires, but to make wire transfers over 5,000 USD in value digitally you must submit your request in writing using a secure message.
What is the maximum amount you can transfer abroad with Navy Federal?
Navy Federal payment limits are not specified on domestic and international wire payments. If any relevant limit applies based on your account type, Navy Federal will inform you when you set up your transfer.
How can I increase the Navy Federal maximum transfer limit?
You’ll need to talk to the team at Navy Federal about your payment if it exceeds the payment limit on your preferred transfer type. Wire transfers with credit unions are often unlimited, which may mean that setting up a wire is your primary option for high value payments.
Relevant guide: How to send international wire transfers with Navy Federal
