capital one wire transfer: type of wire transfer & limits rountig number and charges

Last Updated on September 15, 2025 by admin

Capital One wire transfers are a reliable and efficient method for transferring funds both domestically and internationally.

When you initiate a wire transfer with Capital One, you are ensuring that your money moves quickly and securely from one bank account to another.

The process for wire transfers can typically be started through Capital One’s online banking platform or by visiting a local branch.

To begin a wire transfer, you’ll need specific information, such as the recipient’s full name, their bank’s routing number, and the recipient’s account number.

Capital One provides real-time tracking for transfers, allowing you to monitor the progress of your funds.

Fees are associated with wire transfers; however, these are competitive compared to other financial institutions. Domestic wires usually incur a lower fee than international ones, reflecting the added complexity of sending money across borders.

Read: Wells Fargo Wire Transfers: type of wire transfer & limits and charges

Table of Contents

How To Send Wire Transfer With Capital One

Here’s how to send a wire transfer with Capital One, what you’ll need, and some key rules and fees. To send a wire transfer with Capital One, the process depends on whether you’re sending domestic or international wires—and whether your account is eligible or not

These steps are generally for personal accounts. Business/commercial accounts may have different requirements.

Make sure your account is eligible.
- Not all account types allow online wire transfers. Some (e.g. Capital One 360 Checking) do; others may require branch or phone assistance.
- For international wires, many sources say you’ll need to go into a branch.
Gather the recipient’s information.
You’ll typically need:
- Recipient/person or business name and address
- Recipient’s bank name & address
- Recipient’s bank routing number (ABA) for domestic wires
- Recipient’s account number
- If international: SWIFT code, possibly IBAN or other foreign bank identifiers

For Domestic Wire Transfers (Online or App)If your account supports domestic wires, you can send them digitally:

Go to the wire transfer section under your checking or savings account. then Wire Money.”
Enter the recipient’s details:
- Full name and address
- Bank name and address
- Routing number and account number
Specify the amount and transfer date.
Review and confirm all details.
Submit the transfer.
Fee: Domestic wires typically cost $30

For International Wire Transfers

Capital One does not allow international wires online or via app. You must:

Visit a Capital One branch in person.
Confirm your account is eligible for international wires.
Provide:
- Recipient’s full name and address
- Bank name, SWIFT/BIC code, and IBAN (if applicable)
- Purpose of the transfer

Not all Capital One accounts support international wires. You’ll need to call 1-800-655-BANK or visit a branch to verify eligibility

Transfer Times

Type	Estimated Time
Domestic Wire	1–3 business days
International	2–5 business days

Fees, Limits, Cutoff Times

Here’s a complete breakdown of capital one wire transfer fees, limits, and cutoff times so you can plan your transactions with confidence. Knowing these helps avoid surprises.

Item	Details
Domestic Outgoing Wire Fee	~$30 for sending a domestic wire.
International Outgoing Wire Fee	~$40, especially in‑branch wires.
Incoming Wire Fee	Some account types (e.g. Essential Checking, High‑Yield Checking, and Essential Savings) have ~$15 fee for incoming wires. Other account types may waive this.
Limits / Maximums	– Up to $50,000/day when sending to a person or non‑title company via online wire. – Up to $500,000/day for title companies. – External accounts (linked) often have higher or no explicit limit.
Cutoff Times	For domestic wires: you must request/send before about 2:00 PM ET on a business day to get same‑day processing. After that, it will likely go out the next business day. For international wires (branch required), the cutoff may be a bit later (some sources say ~3:00 PM ET).

Read: Bank of America wire transfers: type of wire transfer ,limits and charges

How to Receive a Wire into Your capital one account

To receive a wire transfer into your Capital One account, you need to provide the sender with accurate wire instructions specific to Capital One. Here’s a complete guide based on whether it’s a domestic or international wire transfer

Information to Give the Sender

For Domestic Wire Transfers (within the U.S.):

Your full name (as it appears on your account)
Your Capital One account number
Routing number:
- Use 051405515 for most Capital One accounts (verify with your account type)
Bank name: Capital One, N.A.
Bank address: Capital One Bank 1680 Capital One Drive McLean, VA 22102 United States

For International Wire Transfers:

Capital One does not have a SWIFT code, so it typically cannot receive international wires directly. Instead:

The sender’s bank must use a correspondent U.S. bank to route the funds.
You’ll still provide:
- Your full name and address
- Your Capital One account number
- Routing number: 051405515
- Bank name and address (same as above)

Note: Not all Capital One accounts support wire transfers. Check your account eligibility

Processing Time

Type	Estimated Time
Domestic Wire	1–3 business days
International	2–5 business days (via intermediary bank)

Fees

Incoming domestic wire: ~$15
Incoming international wire: May vary depending on intermediary bank fees and currency conversion

capital one wire transfer limits

Here’s a clear breakdown of Capital One wire transfer limits so you know what to expect before sending money

Domestic Wire Transfer Limits

Per Transaction: Up to $25,000
Daily Limit: Up to $50,000
Monthly Limit: May vary by account type

These limits apply to online and app-based transfers, and can differ depending on your account history and security settings

International Wire Transfer Limits

To Individuals: Up to $50,000 per day
To Title Companies: Up to $500,000 per day
International wires must be initiated in person at a Capital One branch, and not all accounts are eligible

Read: Chase wire transfers: type of wire transfer ,limits and charges

How to Check Your Personal Limit

Log in to your Capital One app or online banking
Your current wire transfer limits will be displayed during the setup process
You can also call or visit a branch to confirm your limits

Capital One may adjust your limits without notice, so it’s smart to double-check before initiating a high-value transfer

How to Increase capital one wire transfer Limit

Capital One does not offer a direct way to increase your wire transfer limit online, but you can still send larger amounts by choosing the right method. Here’s how to work around the limits and get your money moving

1. Use Phone Transfers for Domestic Wires

If your online limit is capped at $50,000, you may be able to send more by calling Capital One directly.
Phone transfers can sometimes bypass online restrictions for higher-value domestic payments

2. Visit a Branch for International Wires

For international transfers, Capital One requires you to go in person to a branch.
There’s no upper limit for international wires sent from a branch, but fees and verification apply

3. Verify Account Eligibility

Not all Capital One accounts support wire transfers.
Call 1-800-655-BANK to confirm your account is eligible and discuss transfer options

Read: How to register for Metro Bank Uk Online Banking and Mobile app & open account

Capital one wire routing number

To receive a wire transfer into your Capital One account, you’ll need the correct wire routing number, which depends on your account type. Here’s the breakdown

Bank Info for Wire Transfers

Field	Details
Bank Name	Capital One, N.A.
Routing Number (Wire Transfers)	051405515
SWIFT Code (for international wires)	HIBKUS44
Bank Address	1680 Capital One Drive, McLean, VA 22102
Phone (general inquiries)	1-800-655-2265

Capital One Wire Routing Numbers

Bank Entity	Wire Routing Number
Capital One Bank (USA), N.A.	051405515
Capital One, N.A.	056073612

Most personal accounts use 051405515, but it’s best to confirm based on where you opened your account

Capital one wire transfer Cutoff Times

Here’s what you need to know about Capital One wire transfer cutoff times to ensure your transaction gets processed on time

1. For domestic wires: the cutoff is 2:00 PM Eastern Time (ET) Monday through Friday. If you submit your wire request before 2:00 PM ET (and it clears through security), it will generally be processed same‑day.

2. For international wires: the cutoff is 3:00 PM ET on business days. After that time, the wire may be processed the next business day

Type of Capital one wire transfer

Capital One offers two main types of wire transfers, each with its own process and limitations. Here’s a clear breakdown to help you navigate them

1. Domestic Wire Transfers

Purpose: Send money within the U.S. or to U.S. territories
How to Send:
- Online or via mobile app (for eligible accounts)
- By phone or in person at a branch
Limits:
- Up to $50,000 per day to individuals
- Up to $500,000 per day to title companies
- Fee: Around $30 per transfer
- Cutoff Time: Typically 2:00 PM ET for same-day delivery

2. International Wire Transfers

Purpose: Send money to recipients outside the U.S.
- Must be initiated in person at a Capital One branch
  How to Send:
- Not available via app or online banking

Eligibility:

Not all accounts support international wires—check with Capital One directly
Fee: Higher than domestic wires, and may include exchange rate markups and third-party fees
Delivery Time: Typically 2–5 business days, depending on destination

Important Notes

Capital One does not have a SWIFT code, so incoming international wires must be routed through a correspondent U.S. bank

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Meet Ogbeide Frank, also known as Perere, a blogger passionate about writing on finance and tech. He studied Business Administration from Ambrose Alli University in Ekpoma and Mobile Communication at Orange College in Malaysia. Frank has experience working as a banker and consultant for various agencies in Nigeria.