Capital One wire transfer: fees, limits, cutoff and how to send

$30 online, same day if you ask by 2:00 PM ET. International wires only from a branch.

A Capital One wire transfer to a US bank costs $30 online or by phone and arrives the same day if you request it by 2:00 PM ET online (3:00 PM ET by phone). Online you can send up to $50,000 a day to any person or company. International wires go out only from a branch, cost $40 and may take up to 10 business days.

At a glance

• Domestic wire, online$30; cutoff 2:00 PM ET
• Domestic wire, by phone$30; cutoff 3:00 PM ET
• International wire, branch only$40; cutoff 3:00 PM ET
• Online daily limit$50,000 to any person or company; $500,000 to title companies; no limit to your own linked external accounts
• Incoming wireFree, except $15 on Essential Checking, High-Yield Checking and Essential Savings
• Domestic branch wires for individualsNot offered

Source: Capital One: Wire transfer instructions · Capital One: Send and receive a wire transfer · Checked on September 28, 2026

Ways to send a Capital One wire

Source: Capital One: Wire transfer instructions (updated August 18, 2026) · Checked on September 28, 2026

These are Capital One’s terms for personal accounts; small business and commercial accounts follow a different process. Not every account type can send an international wire, so Capital One asks you to call 1-800-655-BANK before going to a branch. Phone help is available 8:00 AM to 5:00 PM ET, Monday to Friday.

How to send a wire online

1. Check the recipient’s wire instructions before you start.
2. Sign in online or in the mobile app, open Account Services & Settings, pick the account to send from and choose Wire Money.
3. Enter the details for the recipient type. For a person or company: their name and address, their bank’s address, their account number and routing number (ABA), plus an intermediary bank’s address and routing number if needed. For a title company, add the loan, escrow or order number if you have one. For your own linked account, the routing number and account holder’s name.
4. Review and submit. Keep your mobile phone at hand: Capital One uses it to authenticate the wire. You get status updates by email, text or push notification.

To wire money to your own account at another bank, that external account must have been linked for at least 30 days. The money must already be in your account. Capital One may restrict wires for new accounts and newly added joint owners, and shows the limits that apply to you when you set up the wire.

Sources: Capital One: Wire transfers · Capital One: Send and receive a wire transfer · Capital One: Wire Transfer Disclosure Statement · Checked on September 28, 2026

How long a Capital One wire takes

Timeline

1. By 2:00 PM ET online (3:00 PM ET by phone)you request the domestic wire and it passes Capital One’s security checks
2. Same business daythe recipient’s bank receives it
3. After the cutoffit arrives at the recipient’s bank the next business day
4. Up to 10 business daysan international wire sent from a branch

Wires do not move on federal holidays; the next is October 12, 2026. You can confirm that Capital One has executed a wire by calling 1-800-655-2265.

Sources: Capital One: Wire transfer instructions · Capital One: Wire Transfer Disclosure Statement · Federal Reserve: holiday schedules · Checked on September 28, 2026

Receiving a wire at Capital One

The sending bank starts the wire and is your contact for questions about it. Give it your Capital One account number and routing number: Capital One says both are under “View Details” in the app or on the web, and asks you to call for help with the routing number if you are not enrolled in digital banking. Third-party sites list different Capital One routing numbers, so take yours from Capital One.

At a glance

• Incoming fee$0, except $15 on Essential Checking, High-Yield Checking and Essential Savings
• Domestic wires received by 5:00 PM ETdeposited and available the same business day
• International wiresmay take 3–5 business days to arrive and be deposited

Source: Capital One: Send and receive a wire transfer · Checked on September 28, 2026

Canceling a Capital One wire

Warning

Capital One says domestic wires cannot be modified or canceled after you submit them. International wires have a 30-minute hold: to cancel in that window, call the branch you used. If you see a wire you do not recognize, call 877-383-4802. Capital One also says it may pay out a wire based on the account number alone, even if the name differs, so check the account number twice.

Sources: Capital One: Wire transfer instructions · Capital One: Wire Transfer Disclosure Statement · Checked on September 28, 2026

If a wire has not arrived, see wire transfer not received. For Capital One’s Zelle limit and other fees, see the Capital One page; to compare cutoffs, see wire transfer cutoff time. This page describes Capital One’s published terms; it is not financial advice.