What do I need to know about wire transfers?

Wire transfers allow you to send and receive large amounts of money quickly and securely. The type of Capital One account you have will determine your limits, fees and eligibility for wire transfers. 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.

Sending a wire transfer

  • You can send a wire transfer to a title company or a linked external account that has been on file for at least 30 days (additional recipient options are supported for certain account types) within the United States (including U.S. territories).
  • Online wire transfers can only be sent within the United States (including U.S. territories).
  • The money will be delivered the same day, if requested by 2 p.m ET Monday-Friday (except Federal holidays). If it’s requested after this time, it will be delivered the next business day.
  • An online wire transfer may not be able to be deleted or cancelled. An associate may be able to do an investigation to resolve the issue.

There are three ways to send wire transfers: online, in branch and by phone.

Online To send a domestic wire transfer online you must have a mobile phone number that can be used to receive a one-time passcode. Most accounts that have online access are eligible to send online wire transfers. Examples of these account types include: 360 Checking, 360 Savings, 360 Money Market, Total Control Checking, Confidence Savings, Savings Now, Performance Savings and Simply Checking.

By phone If you need assistance, domestic wire transfers can be sent through our Wire Team from 9a.m. ET to 5 p.m. ET Monday-Friday.

In-branch In-branch domestic and international wire transfers are typically reserved for Capital One Essential Checking, High-Yield Checking, and Essential Savings retail account customers. Please refer to your local bank branch for more information on sending international wire transfers.

Ready to send a wire transfer? Click here.

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.

Need more information about how to receive a wire transfer? Click here.