Does Wise have a transfer limit

Yes, Wise has transfer limits, and they depend on how you pay: up to 1,000,000 USD or 1,200,000 EUR per transfer by bank or wire payment, and far more from a Wise balance.

Wise publishes its caps by payment method. The figures below apply to the US and Europe:

• Wire or SWIFT transfer: Paying from an external bank account allows roughly 1,000,000 USD per transfer, with some sources quoting up to 1,600,000 USD.
• ACH payment (US): ACH funding is capped at 50,000 USD in any 24-hour period and 250,000 USD across a rolling 60-day window.
• Debit or credit card: Card-funded transfers are usually limited to about 2,000 USD each, or up to 10,000 EUR depending on your region.
• Wise balance: Money already held in your Wise account can be sent in much larger amounts, reaching up to 20,000,000 EUR per transfer.

Several factors can change the limit that applies to you:

• Country rules: Local regulation can set tighter caps than Wise's own. Residents of India sending money abroad fall under the RBI's Liberalised Remittance Scheme (LRS), which allows 250,000 USD per financial year for approved purposes, and Japan sets a standard single-transaction ceiling of 150,000,000 JPY.
• Verification level: Basic identity checks cover everyday amounts, but six- and seven-figure transfers call for more detailed verification.
• Account type: Business accounts generally support larger volumes and more flexibility than personal accounts.

For context on how the service and its payment options fit together, a Wise overview helps before you plan a large transfer. Your exact personal limits are shown in the Wise app under the Limits section of your profile settings.