How much does a Capital One wire transfer cost?

Domestic Wires : Expect a $30 fee whether you initiate the transfer online or by phone. International Wires : In-branch only, with a $40 fee. Incoming Wires : Some Capital One accounts charge $15 to receive a wire; others may waive this fee. Double-check your account’s fee schedule to be sure.

What do I need to send a wire transfer with Capital One?

Account Access : Log in to your Capital One account online (for domestic) or visit a branch (for international). Recipient Details : Name, address, routing number (ABA) for domestic wires; SWIFT code (or IBAN) for international, plus account number and bank address. Valid Account : Some Capital One account types (particularly for business or commercial use) may have different wire eligibility or require you to call first.

Can I send an international wire transfer online with Capital One?

No. International wires require an in-person branch visit . Before you go, call 1-800-655-BANK to confirm your account is eligible. If it qualifies, you’ll need your recipient’s SWIFT code, bank address and other details. The fee for sending an international wire is $40.

How long does it take for a Capital One wire transfer to be received?

Domestic Wires : If you submit your transfer before 2 p.m. ET on a business day, your recipient typically gets the funds the same day. After 2 p.m., it usually arrives the next business day. International Wires : It can take 3–5 business days, sometimes up to 10 days if complications arise (e.g., currency exchange delays or extra verification). The earlier you send (before 3 p.m. ET), the faster it’s likely to arrive.

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

March 7, 2025

7 min Read

Written by Hiba Boutary

Edited by Joe Evans

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Moving a large sum of money quickly doesn’t always work with payment apps. Sometimes, the best solution is an old-fashioned wire transfer — especially if you want something fast and secure. If you’re a Capital One customer, you can send and receive both domestic and international wires.

Here’s how to make a wire transfer with Capital One, along with everything you need to know about fees, limits and timelines.

Why Choose a Capital One Wire Transfer

Wire transfers might cost more than digital app transfers, but they can be worth it when you need to send — or receive — significant amounts promptly.

Capital One stands out because it’s straightforward about its daily limits, offers online wire transfers domestically and keeps international transfers secure (though, for overseas wires, you’ll need a physical branch visit).

How To Send a Wire Transfer With Capital One

Capital One lets you wire money from a personal checking or savings account, a small business account or even a commercial account.

The steps differ slightly depending on whether you’re sending money domestically or internationally:

General Steps for Wire Transfers

Log In: Access your Capital One account online or through the mobile app.
Go to Wire Transfer Section: Look under “Transfers” or “Wire Transfer” to start a new transaction.
Enter Recipient Details: Provide the name, address, routing number (for domestic wires) or SWIFT code (for international) and the account number.
Specify Amount and Currency: This applies to both domestic and international transfers.
Review and Confirm: Double-check all details, especially numbers.
Submit: Track the wire’s status if needed.
Stay Updated: If anything looks off or if you haven’t seen confirmation, contact Capital One’s customer service.

Domestic Online Transfers

Capital One makes it easy to send domestic wires online. The main difference is the daily limit and who you’re sending money to:

Title Company
- Limit: Up to $500,000 each day.
- Required Info: Company name, address, ABA routing number, account number and bank address.
Person or Non-Title Company
- Limit: Up to $50,000 daily.
- Required Info: Recipient’s name or business name, address, ABA routing number, account number and bank address.
External Linked Account
- 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.

You can’t do a domestic wire by visiting a Capital One branch; everything must be handled online or by phone for stateside transfers.

International Wire Transfers

For an international wire, you’ll need to visit a branch and not every account qualifies. Before heading in, call 1-800-655-BANK to confirm your account is eligible.

Fee: $40 per international wire.
Limit: No upper cap, but you must go to a physical branch.
Cutoff: 3 p.m. on weekdays. Funds can take up to 10 business days to appear in the recipient’s account, depending on their bank and country.

Can You Cancel a Capital One Wire Transfer?

Domestic Wires: Once processed, they usually can’t be changed or canceled.
International Wires: Capital One has a 30-minute window for cancellation. If you spot a mistake right away, act fast.

If you suspect fraud or see unusual activity, contact Capital One customer service at 1-877-383-4802 to report it, even if the wire can’t be canceled.

How To Receive a Wire Transfer in a Capital One Account

If someone else is wiring money to you, the main responsibility is on the sender. However, you’ll need to give them a few details:

Your Routing Number: Varies by account type and location — check your checks or the Capital One site.
Your Account Number: Make sure it’s correct; a single digit off can delay or misdirect funds.
SWIFT Code: For inbound international wires, the SWIFT code is typically HIBKUS44. Check with Capital One or Capital One’s SWIFT codes resource for verification.
Capital One’s Address: Generally 1680 Capital One Drive, McLean, VA 22102-3491.

Capital One Wire Transfer Fees and Limits

Fees Overview

Transfer Type	Domestic Fee	International Fee	Incoming Fee
Wire (Online/Phone)	$30	$40	$15 (some accounts)
In-Branch (International)	Not available for domestic	$40	$15 (some accounts)

Domestic: $30 to send. Some account types might charge $15 if you’re receiving money.
International: $40 to send. Some might also have incoming fees.

Limits Summary

Domestic: Up to $50,000 a day for individuals, $500,000 a day for title companies or no limit for external linked accounts.
International: No set maximum, but you have to do it in-branch.

How Long Do Capital One Wire Transfers Take?

Domestic: Same-day, if initiated before 2 p.m. ET on a business day. After that, it posts the next business day.
International: Usually 3 to 5 business days, but can extend up to 10 days for certain countries or reasons, like extra verification or complex currency conversions.

Wire Transfers: Key Takeaways

Higher Limits: Perfect for large sums that money transfer apps can’t handle.
Fast Delivery: Domestic wires can arrive the same day.
Cutoff Times: 2 p.m. ET for domestic, 3 p.m. for international.
Fees: $30 domestic, $40 international, plus potential incoming fees.
Extra Care: Always confirm the recipient’s details precisely; wire transfers can be tough to reverse.

Final Take to GO

Making a wire transfer with Capital One is a solid option when speed and security matter. While there are fees — and some limits to keep track of — you’ll find the process straightforward:

Check Account Eligibility: Especially for international wires.
Gather Recipient’s Info: Routing number or SWIFT code, account number, bank address.
Initiate Transfer: Online for domestic; in-branch for international.
Watch Cutoffs: 2 p.m. ET for domestic, 3 p.m. for international, or else it could push to the next business day.

If you still have questions or want to explore more, contact Capital One for personalized help. By understanding fees, limits and steps, you can avoid stress and ensure your funds arrive right on schedule.

Capital One Wire Transfer FAQ

Here are the answers to some of the most frequently asked questions about Capital One wire transfers:

How much does a Capital One wire transfer cost?
- Domestic Wires: Expect a $30 fee whether you initiate the transfer online or by phone.
- International Wires: In-branch only, with a $40 fee.
- Incoming Wires: Some Capital One accounts charge $15 to receive a wire; others may waive this fee. Double-check your account’s fee schedule to be sure.
What do I need to send a wire transfer with Capital One?
- Account Access: Log in to your Capital One account online (for domestic) or visit a branch (for international).
- Recipient Details: Name, address, routing number (ABA) for domestic wires; SWIFT code (or IBAN) for international, plus account number and bank address.
- Valid Account: Some Capital One account types (particularly for business or commercial use) may have different wire eligibility or require you to call first.
Can I send an international wire transfer online with Capital One?
- No. International wires require an in-person branch visit. Before you go, call 1-800-655-BANK to confirm your account is eligible. If it qualifies, you’ll need your recipient’s SWIFT code, bank address and other details. The fee for sending an international wire is $40.
How long does it take for a Capital One wire transfer to be received?
- Domestic Wires: If you submit your transfer before 2 p.m. ET on a business day, your recipient typically gets the funds the same day. After 2 p.m., it usually arrives the next business day.
- International Wires: It can take 3–5 business days, sometimes up to 10 days if complications arise (e.g., currency exchange delays or extra verification). The earlier you send (before 3 p.m. ET), the faster it’s likely to arrive.

Information is accurate as of March 7, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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