Capital One wire transfer fees: domestic, international and incoming wires
Capital One currently lists a $30 fee for eligible outgoing domestic wires from common personal checking products. International and incoming-wire rules depend on account type and channel.
Capital One currently lists a $30 fee for eligible outgoing domestic wires from common personal checking products. International and incoming-wire rules depend on account type and channel.
Key takeaways
- Capital One personal domestic outgoing wires are generally listed at $30 for 360 Checking and Simply Checking.
- Online and phone wires have different cutoff times.
- International wires for personal accounts can require a branch and are not available for every account type.
- Incoming-wire fees vary by account type.
What you need to know
Capital One lists a $30 outgoing domestic wire fee for 360 Checking and Simply Checking. Its wire-support page shows a $30 online or phone fee for eligible domestic wires and a $40 branch fee for eligible international wires. Incoming-wire fees vary by account type.
Capital One domestic wire fees
Capital One’s current 360 Checking and Simply Checking disclosures list a $30 outgoing domestic wire fee. The bank’s wire-support page also shows $30 for eligible domestic wires sent online or by phone.
Capital One lists a 2:00 p.m. Eastern Time cutoff for online domestic wires and 3:00 p.m. Eastern Time for phone wires. A transaction submitted after the relevant cutoff can move to the next business day, so the clock matters when the payment is urgent.
How international wires work at Capital One
Capital One’s personal wire-support page says online wires are domestic only. International wires can be eligible through a branch, with a listed $40 fee on the support table. The bank also warns that not every account type is eligible for international wires, so new senders should confirm eligibility before visiting a branch.
International transfers can also involve currency conversion or receiving-bank fees. The branch fee is therefore not always the total cost of the transfer.
Incoming wire fees depend on the account
Capital One says incoming-wire fees vary by account type. Its current help page lists a $15 incoming-wire fee for certain older or specific account products while other account types are not charged. This is another reason not to apply one fee schedule to every Capital One customer.
If you are receiving an important wire, confirm the routing and account details and check whether your product charges an incoming fee. Domestic wires received by the stated deadline are generally made available the same business day.
Wire limits and recipient type can matter too
Capital One’s support table also lists daily limits by recipient type for online wires. For example, title-company transfers can have a much higher online ceiling than an ordinary person or company. External linked accounts are treated separately.
For a large or unusual payment, review the live wire screen before assuming the public maximum applies. The fee, recipient eligibility and limit all need to line up for the transfer you are trying to send.
Frequently asked questions
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