What you should know about online wire transfers

  • Wire Transfer Amount:

    • No limit if sending to an external account on file.
    • External accounts must be on file for a minimum of 30 calendar days.
    • Up to $500,000 to a title company.
  • Same Day Delivery

    • If requested after 2PM ET, it will be sent the next business day
  • Domestic Only

  • $30 Non-Refundable Fee: The bank receiving your wire may also charge a fee

  • Eligible Accounts: Currently eligible accounts for online wires are 360 Checking, 360 Savings, 360 Money Market, Total Control Checking, Confidence Savings, Savings Now, Performance Savings, and Simply Checking

    • Account must be open for a minimum of 60 calendar days

You can read our full wire disclosure here: https://www.capitalone.com/bank/wires/disclosures/


How to Request a Wire Transfer Online:

  1. To send a wire transfer, make sure you have:

    1. Sending money to a title company
      • Title company’s name
      • Loan/escrow/order number (if provided)
      • Title company address
      • Title company bank’s wire routing number (ABA)
      • Title company bank’s address
      Optional - Intermediary bank wire routing number (ABA)
      Optional - Intermediary bank address
      • Mobile phone for two step identity verification

    2. Sending money to an external linked account
      • Account holder’s name
      • Wire routing number (ABA)
      Optional - Intermediary bank wire routing number (ABA)
      Optional - Intermediary bank address
      • Mobile phone for two step identity verification

  2. Sign into capitalone.com
  3. Select the Capital One deposit account you want to send the wire transfer from.
  4. Select “Account Services & Settings” menu,
  5. Select “Wire Money” and follow the steps.


Receiving a Wire Transfer

  1. Wires being deposited into your online bank account must be initiated by the other bank. Here is some information they may request:
    1. Capital One’s Swift Code (IBAN): HIBKUS44
    2. Capital One’s Bank Address: 30 7th Ave South, Saint Cloud, MN 56301
    3. Your Bank Account and Routing Number:
    4. Sign into capitalone.com
    5. Select your account
    6. Select account details to view your account/routing number
  2. Capital One does not charge you a fee to receive a wire transfer into your account
    1. Domestic transfers will deposit and be available the same business day if received by 5PM ET
    2. International wires may take 3–5 business days to arrive and post to your account