Capital One

Does Capital One have Zelle? Yes: Capital One customers send with Zelle on capitalone.com or in the Capital One Mobile app, and the current send limit appears in the app or online banking when you set up a payment. For 360 Checking, a domestic wire sent online or by phone costs $30, an international wire costs $40 and is sent in a branch only, and incoming wires are free. The online cutoff for domestic wires is 2:00 PM ET.

At a glance

• ZelleYes, on capitalone.com and in the Capital One Mobile app
• Zelle limitsShown in the app or online banking when you send; no limit on requests
• Domestic wire out$30 online or by phone
• Incoming wireFree for 360 Checking; $15 for Essential Checking, High-Yield Checking and Essential Savings
• International wire out$40, in a branch only
• Wire cutoff2:00 PM ET online; 3:00 PM ET by phone or in a branch

Sources: Capital One Zelle · Wire transfer support · 360 Checking disclosure · Checked on October 19, 2026

Zelle at Capital One

You can send with Zelle through capitalone.com or the Capital One Mobile app; enrollment in the app is required. Capital One does not publish a fixed Zelle limit: it says send limits “may change over time” and that you can view your current available limit in the Capital One Mobile app or online banking when setting up a payment. There are no limits on how much you can request. Zelle payments from 360 Checking carry no Capital One charge.

Source: Transfer funds with Zelle (undated) · Capital One Zelle (undated) · 360 Checking fee sheet, revised February 2024 · Checked on October 19, 2026

Where to find your amount, which accounts qualify and how long a payment takes are in Capital One Zelle limit.

Wire transfers at Capital One

Figures are for 360 Checking.

The cutoff is 2:00 PM ET for domestic wires sent online and 3:00 PM ET for wires requested by phone or in a branch. Incoming domestic wires received by 5:00 PM ET are deposited the same business day.

Individuals cannot send a domestic wire in a branch, and international wires cannot be sent online. Capital One charges $15 for incoming wires only on Essential Checking, High-Yield Checking and Essential Savings. Online wires have daily limits: $500,000 to a title company, $50,000 to any other person or company, and no limit to your own linked external account once it has been on file for at least 30 days. An international wire can be canceled within a 30-minute hold period by calling the sending branch. The older 360 Checking fee sheet (revised February 2024) says “up to $30” for an outgoing domestic wire; the current disclosure states $30.

Source: 360 Checking disclosure, effective May 20, 2026 · Wire transfer support, updated August 18, 2026 · Send and receive a wire transfer · Checked on September 27, 2026

How to send one online, what each recipient type needs and where to find your details for an incoming wire: capital one wire transfer.

External transfers (ACH)

Transfers to or from your own linked account at another institution are free and typically take 2 to 3 business days. They are subject to limits that Capital One may modify at its discretion. You can link up to 3 external accounts; business accounts cannot be linked to personal accounts.

Source: 360 Checking disclosure, effective May 20, 2026 · Transfers from other banks · Checked on September 27, 2026

If a transfer is late or went wrong

A Zelle payment that has not arrived is covered in Zelle payment pending; to stop one, see cancel a Zelle payment, and if you were tricked, Zelle scam refund. For wires, read how long do wire transfers take and wire transfer not received; for bank-to-bank transfers, ACH transfer pending. Contact Capital One through the number on your card or in the app.

Fees and limits can differ by account type; your account agreement is the final word.