capital one wire transfer limit

In order to send a wire transfer to your external linked account, it must have been on file for at least 30 days prior. Not all account types are eligible for international wires with Capital One, please contact 1-800-655-BANK prior to visiting a branch location if you are a new sender.

Capital One

capitalone.com › bank › wire-transfers

Wire Transfers Guide | Capital One

The time it takes to send a wire transfer may depend on whether the transfer is domestic or international. Generally, domestic wire transfers take one to three days, while international wire transfers can take two to five business days.

Instarem

instarem.com › wire-transfer › capital-one

Capital One Wire Transfer: Transfer Time, Fees, and Limits | Instarem

November 13, 2025 - Keep in mind that Capital One imposes a strict cut-off time for both domestic and international wire transfers.

People also ask

How do I send a wire transfer with Capital One?

To send a wire transfer, follow these steps: Sign in to your Capital One account online or through the mobile app. Go to Account Services & Settings and select Wire Money. Enter the recipient’s wire information, including their name, bank name, routing number and account number. Review and submit your request. You’ll receive status updates by email, text or push notification. Before starting, make sure the funds are available in your account. Learn more about what’s required to send wire transfers.

capitalone.com

capitalone.com › bank › wire-transfers

Wire Transfers Guide | Capital One

What is a wire transfer?

A wire transfer—also known as a wire payment, bank transfer or bank wire—is an electronic transfer of funds from one bank, credit union or financial services company to another.

capitalone.com

capitalone.com › bank › wire-transfers

Wire Transfers Guide | Capital One

How long do wire transfers take?

The time it takes to send a wire transfer may depend on whether the transfer is domestic or international. Generally, domestic wire transfers take one to three days, while international wire transfers can take two to five business days. It’s also wise to take into account the effect that weekends, holidays and after-hours transfers can have on how long it takes for the wire transfer to be completed. Reviewing the rules and regulations of the bank or financial service company completing the transfer may help make the process easier.

capitalone.com

capitalone.com › bank › wire-transfers

Wire Transfers Guide | Capital One

Capital One

capitalone.com › learn & grow › money management › what is a wire transfer?

Wire Transfer: What It Is and How It Works | Capital One

But the limits are usually high and may have a $100,000 minimum per day, making this one option for large transactions. Wire transfers can also have associated fees, often ranging from $0 to $50, depending on the type of transfer taking place.

reddit.com › r/banking › best way to transfer large amounts of funds between banks.

r/Banking on Reddit: Best way to transfer large amounts of funds between banks.

June 17, 2025 -

I have a savings account at Bank of America and I'm not drawing any interest. I recently opened a savings and checking account with Capital One. They have pretty decent interest rates. What's the best way to transfer funds from Bank of America to Capital One. I tried doing so and it indicates there is a $5000 limit. I want to transfer much more. I know there is a fee but would wiring money from Bank of America to Capital One be better? Or is there another way?

UPDATE------------------------------------------------------

Thanks for the info guys. I initially tried an ACH pull from Capital One and that's when the restriction popped up. I then decided to go over to Bank of America and do an ACH push. This worked out fine. It took about two days, but it let me transfer any amount that I wanted with no problem to my Capital One account.

Sorry for wasting everybody's time. I should have tried this to begin with!

Top answer

1 of 5

Do you have a Checking account with BoA? If so, move funds from your BoA Savings to checking and then write yourself a check from BoA and deposit it in Capital One. If you don’t have that checking account, you can close BoA savings account, have BoA give you a check and deposit that in Capital One. Or, go to BoA in person, withdraw cash and take it to Capital One. But I suspect you are doing all online banking, so checks and electronic transfers are all you have.

2 of 5

Link your BofA account to Capital One and do an ACH pull from Capital One. Not sure what limit you'll have with a new account. It's one of those things where it's worth having one or two hub banks that can move funds around as needed.

Wise

wise.com › us › blog › capital-one-transfer-limit

Capital One transfer limits [2024] - Wise

June 24, 2024 - The good news is that there’s no upper limit to the amount you can send overseas with Capital One if you have an eligible account. The bad news is that an overseas transfer has a 40 USD upfront fee, and may also incur third party fees or exchange ...

Capital One

capitalone.com › help center › checking & savings › send and receive a wire transfer

Send and receive a wire transfer | Capital One Help Center

Keep in mind, these steps apply to personal bank accounts. The wire transfers process for small business and commercial accounts may differ. Additional Information You may need to provide the sending bank the following information: ... Your Capital One account and routing numbers.

Bogleheads.org

bogleheads.org › board index › us investors › personal finance (not investing)

Does Capital One have a transfer maximum if I want to move money online to a different bank? - Bogleheads.org

I tried looking it up but can’t find anything. ... ACH limits at Capital One are flexible, so it would be best to ask them about this as it relates to your specific account. Wire transfers have no limit for external linked accounts, so there is always that option if you don't mind paying ...

Exiap

exiap.com › home › guides › capital one international wire transfer: fees, rates and transfer time

Capital One International Wire Transfers 2026: Fees, Rates & Speed - Exiap

July 7, 2025 - Here’s a recap of the delivery times you may expect from the providers we profiled earlier: ... With Capital One, daily transfer limits of 50,000 USD to an individual person and 500,000 USD to a title company apply.

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reddit.com › r/capitalone_ › buying a house nightmare with capital one

r/CapitalOne_ on Reddit: Buying a house nightmare with Capital One

May 2, 2024 -

Please be careful when trying to buy a house, I had all my savings in a capital one account preparing for the day when my wife and I could buy a house. Had a great experience with Capital One thus far until it came to getting money out of my account. It’s now time for me to pay my earnest money, I attempt to wire online and get and error so I call them directly and two times they say no we can’t wire your money. The suggestion that I got was go to my nearest branch for a cashiers check which for me would be Dallas… I live in Denver.

Top answer

1 of 5

I just bought a house and had a great experience using the money saved in my capital one money market account. Sorry OP, but you should have checked wire availability and transfer limits before it was time to send. This isn’t a Capital One issue. Not having a branch nearby is very frustrating tho.

2 of 5

Cap One cafes in Denver and Boulder, would go try to talk to someone in one of those

Capital One

capitalone.com › commercial › terms-and-conditions › wire-transfers

Wire Transfers | Terms and Conditions | Capital One

These Wire Transfer Service Terms (the “Service Terms”) set forth the terms and conditions under which Customer may issue Instructions to have Bank initiate electronic funds transfers from an Account for credit or payment to another Account, or to an account at another financial institution (including such transfer made by Fedwire, SWIFT, or other electronic funds transfer system – excluding any ACH system) or internal Bank transfer, as designated by Customer in each such Instruction received by Bank (the “Service”).

Bogleheads.org

bogleheads.org › board index › us investors › personal finance (not investing)

What is a ‘title company’ - Capital One Wire Transfer - Bogleheads.org

Went into Capital Ones website, and they mention I can only send wire transfers to title companies. Seriously? You think the only recipients of wire transfers are title companies? Capitol One limits wire transfers to any company or individual other than a Title Company to $50,000.

Exiap

exiap.com › home › guides › capital one large transfers [2025] guide: the how-to, limits & fees

Capital One Large Transfers [2026] Guide: the How-to, Limits & Fees - Exiap

April 25, 2025 - 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 · Sending ...

AOL

aol.com › finance › wire-transfer-capital-one-step-160719370.html

How To Make a Wire Transfer With Capital One: Your Step-by-Step Guide

March 7, 2025 - Limit: No maximum. Required Info: Account holder’s name and ABA routing number. Fee: $30 for each domestic wire — whether you do it online or by phone. Cutoff: If you submit before 2 p.m. ET on a weekday, the money usually arrives the same day.

MoneyTransfers

moneytransfers.com › home › reviews › capital one for international transfers

Capital One For International Transfer | Fees & Rates Compared

Capital One

Average online reviews for Capital One's transfer speed. 0s represent no reviews for the given period. ... Considering you can only send an international wire transfer to your local branch, there is no limit on the amount you can send. Explore Capital One's international money transfer offerings, including service details, fees, and options to transfer money globally with confidence.

Rating: 3/10

Capitalone

content.capitalone.com › TMgmt › images › Intl_Wire_Transfer_Guide_Country_Specific_Requirements.pdf pdf

Treasury Management Solutions International Wire Transfer Guide

SWIFT BIC (Bank Identifier Codes) are required for all international wire transfers.

reddit.com › r/capitalone_ › how long until new accounts are eligible for wire transfers?

How long until new accounts are eligible for wire transfers? : r/CapitalOne_

February 16, 2024 - I found in their Account Disclosure that “…you will be considered a new customer if you have not had a checking account open for at least 30 days”. ... “We may restrict the use of wire transfers for new accounts and newly added joint account holders.”

MSN

msn.com › en-us › money › personalfinance › how-to-make-a-wire-transfer-with-capital-one-your-step-by-step-guide › ar-AA1AsQbG

How To Make a Wire Transfer With Capital One: Your Step- ...

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reddit.com › r/personalfinance › capital one 360 savings bank to bank transfer

r/personalfinance on Reddit: Capital One 360 Savings bank to bank transfer

October 17, 2022 -

I was thinking about signing up for the cap1 360 savings account, because they just started a promo where $10k, 50k, or 100k transfers within 15 days get an increasingly better bonus after 90 days. APY is great compared to the pathetic interest at my credit union. Question is, how would someone transfer $50k let alone $100k within 15 days of account open from a bank/CU to cap1 online bank (external transfer)? From what I understand, ACH transfers are limited to around $1k a day, $10k a week, etc. and I think I read that cap1 requires the external account to be on file for 30 days before wire transfer is allowed. Mobile deposit has $5k daily limit.