What do I need to know about wire transfers
Wire transfers allow you to send and receive large amounts of money quickly and securely.
Use this guide to choose the right option for your needs. Keep in mind that these steps apply to personal bank accounts. The wire transfers process for small business and commercial accounts may differ.
Where you can send
Within the United States:
You can send wire transfers by logging into your Capital One account and following the steps on our overview page.
Individuals cannot send domestic wires through branch locations.
Outside the United States:
At this time, you can only send international wires through our branch locations.
Not all account types are eligible. Please call 1-800-655-BANK for more information in regards to eligibility and requirements prior to visiting a branch location.
Ways to send
The table below indicates sending fees, eligibility, and recipient types. You will need your mobile phone in order to authenticate.
|Channel||Fee||Domestic wire eligible||International wire eligible||Eligible recipient types and daily limits|
Please keep the following in mind when preparing to send a wire transfer:
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.
For both online and phone channels, the cutoff time for sending domestic wires is 2 pm ET. The cutoff time for international wire transfers is 3 pm ET.
If you cannot access our website, or you are experiencing difficulties, you can call in for assistance. An associate can help you from 8 am ET to 5 pm ET Monday-Friday.
When the wire will be received
Domestic Wire Transfers
The wire will be received by the recipient’s bank the same day, if requested by 2 pm ET Monday-Friday (except Federal holidays). If it’s requested after this time, it will be received by the recipient’s bank the next business day.
International Wire Transfers
International wires may take up to 10 business days to be deposited to the recipient's account
Receiving a wire transfer
If you’re receiving a wire transfer, the sending bank will be fully responsible for initiating the wire transfer and handling any serviceable issues.
For more information on how to receive a wire transfer, visit our overview page.
Canceling a Wire Transfer
Wires cannot be modified or canceled after they have been submitted. If you don’t recognize wire transfer activity on your account, please call us at 877-383-4802.
There is a thirty minute hold period for international wires. If you need to cancel your transfer within this time period, you can call the Capital One branch you used to send the wire.