Capital One International Wire Transfer [2025 Updated]
Capital One is one of the largest banks in the US with customers all over the country – if you’re one of them you may need to know how to use Capital One to transfer money overseas. In this guide, we will look at how to transfer money overseas with Capital One, how long it takes, and how much it costs.
Despite being a large bank, Capital One may not be the best option for international money transfers, particularly as you can’t send international wires online or through an app with Capital One. Many specialist international wire transfer services like Wise, OFX, and Remitly offer fast and convenient transfers you can set up entirely online or in app.
These services can be cheaper than banks like Capital One, with great exchange rates.
Key points: Capital One international wires
| Features | Capital One international wires |
|---|---|
| Fees | 40 USD fee for international transfers – compare the costs against alternatives like Wise or OFX to see if you can get a cheaper and easier deal |
| Limits | Daily limit of 50,000 USD to an individual person and 500,000 USD to a title company |
| Supported currencies | Number of currencies or countries supported for payments is not disclosed online |
| Exchange rate | Exchange rates will be disclosed in branch. Rates may include a markup or margin – a fee added to the mid-market rate for your currency |
| Service availability | Not all account types can make a transfer overseas. Eligible account customers must arrange payments in a branch. If you’d prefer a fully digital payment experience, consider Wise or OFX |
*Fees and rates correct at time of research – 2nd May 2025
Does Capital One accept international wire transfers?
Not all Capital One account types are eligible to send and receive international wire payments. You’ll need to check directly with the bank to see if you can make or receive international payments with your specific account type.
Capital One international money transfer comparison
Not all Capital One accounts are eligible for international wire transfers, and customers with eligible accounts can only arrange international wires in a Capital One branch. You’ll need to reach out to Capital One directly by calling 1-800-655-BANK to see if you’re able to send wires internationally.
If your account is eligible for international wire transfers, you may need to pay up to 3 different fees to send money abroad:
- Transfer fee – this is often the easiest to spot and with some providers can be low, or even free
- Exchange rate markup – this can be the highest fee, but it’s often hard to see
- Intermediary bank fees – you may not know about these in advance so your recipient gets less than they expect
We’ll look at each of these payments in turn in a moment. First, let’s take a look at an example – sending a payment of 1,000 USD to a friend in Canada so they receive CAD in the end. The Capital One fees and transfer times reflect the fact you can only send international wire transfers in a branch – for the other providers we’ve profiled, we selected online transfers for convenience and the lowest available cost.
| Provider | Total cost | Transfer time |
|---|---|---|
| Capital One | 40 USD transfer fee + intermediary fees + exchange rate margin | Up to 10 business days |
| Wise | 5.76 USD transfer fee | Payments can arrive instantly or within 24 hours |
| OFX | 0 USD + exchange rate margin | 1 – 2 business days |
| Remitly | 1.99 USD + exchange rate margin | Variable depending on payment method and destination – can be instant |
| Xe Money Transfer | Variable transfer fee + exchange rate markup | Variable depending on payment method and destination |
*Fees and rates correct at time of research – 2nd May 2025
As you can see, Capital One international wire transfer fees are far higher than the specialist providers we’ve looked at. You’ll also pay an exchange rate markup which can add to the cost significantly, and third-party fees which can’t always be known in advance.
Sending a Capital One international money transfer is less convenient than using a specialist service, too, because you’ll need to head to a branch to make arrangements. Online specialists can have your money moving for a lower fee, with payments set up online or through an app 24/7.
When it comes to delivery times, Capital One payments may take several working days to arrive. Online specialist services typically deliver payments quicker, with some even offering instant transfers or payments which arrive on the same day.
Sending an international money transfer through an online specialist, like Wise, OFX or Remitly is usually fairly easy to do and you’ll often see the full costs and expected arrival times for your transfer before you confirm the payment.
Capital One international transfer fees
Here are the fees for sending and receiving international wire transfers with Capital One, from eligible accounts:
| International transfer type | Capital One international transfer fee |
|---|---|
| International wire sent in foreign currency | 40 USD |
| Receive an international wire | 15 USD |
*Fees and rates correct at time of research – 2nd May 2025
Some Capital One accounts do not allow outgoing international wire payments, and some allow incoming wires with no receiving fee. There’s more on the costs and processes involved when receiving an international wire to your Capital One account coming up later.
Capital One exchange rate
You’ll be told the Capital One international wire transfer exchange rate when you visit a branch to set up your payment. The exchange rate you’re offered won’t usually be the same as the rate you can find using a Google search or with an online currency converter. That’s known as the mid-market exchange rate. Instead, banks usually add a markup – an extra fee – to the mid-market rate to calculate the exchange rate passed on to customers.
Capital One exchange rate markup
The exact percentage markup used by Capital One may vary based on the specific payment details, but banks commonly use a markup of around 3%. That may not sound significant but can quickly become the biggest of all the fees you’ll pay when sending an international transfer.
Here’s how a 3% markup would add up for a few different transfer values:
- Sending 1,000 USD – the exchange rate markup adds 30 USD to the total
- Sending 5,000 USD – the exchange rate markup adds 150 USD to the total
- Sending 50,000 USD – the exchange rate markup adds 1,500 USD to the total
Need a cheaper alternative?
Here’s a reminder of the total costs – including exchange rate markups – from the providers we looked at earlier. This is what you’ll pay with each if you send 1,000 USD and want your recipient to end up with CAD in their account in the end:
- Capital One: 40 USD transfer fee + Exchange rate margin + relevant intermediary bank fees
- Wise: 5.76 USD transfer fee
- OFX: No transfer fee, exchange rate margin applies
- Remitly: 1.99 transfer fee, exchange rate margin applies
- Xe Money Transfer: Variable transfer fee + exchange rate markup
Capital One additional fees
As well as the 40 USD transfer fee and the exchange rate markup, you’ll also often need to pay extra costs when sending a Capital One international transfer. These charges don’t actually go to Capital One. Instead, they’re paid directly to intermediary banks which help to process the transfer. Intermediary fees are deducted from the transfer amount as it passes through the system, and can’t be confirmed in advance. That means you may not be sure exactly what your recipient will get in the end.
Intermediary fees like these usually arise when payments are processed using the SWIFT network. That’s the payment process favored by most large banks. It’s safe and reliable, but can also be expensive and slow.
But there are alternatives. Many specialist international money transfer services can help you to avoid these fees.
Services like Wise and OFX have their own secure payment processes which allow faster payment times and lower fees. By cutting out the intermediary banks, overall costs are more predictable, and the money arrives faster, too.
How long does a Capital One international money transfer take?
It can take up to 10 business days for a Capital One international wire transfer to arrive and be deposited in your recipient’s account.
Need a faster alternative?
Here’s a recap of the delivery times you may expect from the providers we profiled earlier:
- Capital One: Up to 10 business days
- Wise: Payments can arrive instantly, and the vast majority are deposited in 24 hours
- OFX: 1 – 2 business days
- Remitly: Variable depending on payment method and destination – can be instant
- Xe Money Transfer: Variable depending on payment method and destination
Capital One international transfer limits
With Capital One, daily transfer limits of 50,000 USD to an individual person and 500,000 USD to a title company apply. Here’s a summary:
| Transfer type | Capital One international transfer limits |
|---|---|
| Send to a title company | 500,000 USD/day |
| Send to an individual or non tite company | 50,000 USD/day |
| Transfer between your own accounts | No limit |
*Fees and rates correct at time of research – 2nd May 2025
When you arrange your international wire, a member of the Capital One support team will talk through any limits or additional requirements which may apply based on your specific transfer request.
Need to send a larger transfer?
The daily transfer limits with Capital One are quite low, and some account types can not send payments at all. If you need to send a larger transfer, you may want to look at an alternative like these:
Wise: Wise limits are set by currency, and usually in the region of 1 million GBP or the equivalent – about 1.3 million USD at the time of research. There are discounts on fees if you send 20,000 GBP or more in a month, and currency conversion uses the mid-market rate.
If you’re sending higher value payments you can also benefit from dedicated Wise support whenever you need it, in app and by phone.
| 📚 Learn more about them on our dedicated guide: Wise transfer limits |
OFX: OFX has no limit on the amount you can send, and there’s no fee to make a payment from the US. Exchange rates include a markup.
Remitly: Make payments up to 25,000 USD (30,000 USD when sending to India) per payment.
Xe Money Transfer: Send transfers around the world with a 500,000 USD daily limit cumulatively.
Countries to send money with Capital One
Capital One international wire payments can be made to many countries globally. The exact available countries are not disclosed online, but you’ll be able to call the bank directly to check your destination country is supported by their service.
Large amount transfers with Capital One
Capital One doesn’t allow international wires from all account types. Where they are possible, daily transfer limits of 50,000 USD to an individual person and 500,000 USD to a title company apply.
If this isn’t a high enough limit for your upcoming payment, you may want to consider an alternative like Wise or OFX which have high limits and low fees.
How to send a high amount transfer with Capital One
You can only send outgoing international wire transfers at a Capital One branch. Call your local branch to arrange an appointment when it’s convenient for you.
A teller will walk you through the process to send a high amount transfer with Capital One.
Pros and cons of transferring money abroad with Capital One
| Capital One international transfer pros | Capital One international transfer cons |
|---|---|
| ✅ Send to a range of countries and currencies ✅ Familiar and secure option ✅ Get face to face service in a branch if you need help | ❌ No online service for sending cross-border payments ❌ 40 USD transfer fee, exchange rates include a markup, and third party fees may apply ❌Not all accounts are able to send international wires |
While sending an international wire with your bank is familiar and safe, Capital One’s costs and delivery times are not market-beating. Compare a few providers to see if you can get a more convenient international transfer for a lower fee elsewhere.
How to make an international transfer with Capital One
Not all account types are eligible for international payments. If you have an eligible account, you’ll need to visit a Capital One branch to arrange your international transfer. A customer service representative will complete the transaction for you.
What information do you need to make an international transfer with Capital One?
When you arrange your Capital One international wire transfer you’ll need to give the following details:
- Ordering account number and the sender’s account to be debited
- Recipient’s name, address, and telephone number
- Recipient’s bank account number
- Recipient’s full bank name, address, and SWIFT/BIC Code
- International Bank Account Number (IBAN), if required
- If you are transferring money for someone else, you’ll need their name and address
Additional details may be required depending on the destination country. Please check with the recipient to ensure you have all the information needed.
Receiving money from abroad with Capital One
When you receive an international wire transfer into a personal account, the sender’s bank will be responsible for the transaction. You will also need to contact them if you have any questions.
If you expect to receive an international wire transfer to your Capital One account, you’ll also have to give these information to the sender:
- Your full name as shown on your account
- Your account number and routing number
- Capital One’s SWIFT code and address
Capital One SWIFT code
When you send or receive an international wire transfer you’ll usually need a SWIFT/BIC code. These are unique identifiers that are issued to banks around the world, and which help to guide transfers to the right recipient account quickly and safely.
If you’re receiving a transfer from abroad to your Capital One account, you should give the sender Capital One’s SWIFT code (IBAN) which is HIBKUS44.
Capital One international incoming wire transfer fees
Depending on your Capital One account type, you may need to pay a fee when you receive an international wire:
| Capital One account type | International wire receiving fee |
|---|---|
| 15 USD |
*Fees and rates correct at time of research – 2nd May 2025
If you have a different type of account with Capital One you may find the fees are waived for incoming transfers.
Receiving money from abroad with Capital One
When you receive an international wire transfer into a personal account, the sender’s bank will be responsible for the transaction. You will also need to contact them if you have any questions.
To receive an international wire transfer to your Capital One account, you’ll have to give this information to the sender:
- Your full name as shown on your account
- Your account number and routing number
- Capital One’s SWIFT code and address
Incoming payment fees of 15 USD may apply, depending on the specific account you have. Incoming international wires may take 3 – 5 days to be deposited to your account, after receipt by Capital One.
Capital One address for incoming wires
You may be asked by the sender to provide your own bank’s address to receive your payment. If you need it you can give the person sending you money the following:
| Capital One address for incoming wires | Capital One Drive McLean, VA 22102-3491 |
Limits for receiving international transfer with Capital One
You may find that there are no limits for receiving international transfers into your Capital One account. However, you may decide to check directly before you receive a high value payment, in case your specific account type is subject to additional limits on incoming payments.
Alternatives to Capital One International Wire Transfers
Banks like Capital One often charge high fees for international wire transfers and transfers can sometimes be slow.
Alternative international money transfer providers like OFX, Wise, Remitly, and others often make it easy to open an account online and offer speedy, low-cost transfers to several countries around the world. Check out these alternatives to Capital One to see if any suit you better:
Wise: Send payments with the mid-market rate and low, transparent fees to 140+ countries, with fee discounts on high value payments
OFX: OFX has no fee for payments but adds a small, variable margin to the exchange rate used for currency conversion. You can transact online, and in app, with a 24/7 phone line for people who prefer to manage their money by phone
Remitly: Send money from the US in 100+ currencies with options to deliver to bank and mobile money accounts, and even for cash collection depending on the destination. Variable fees and rates apply
Xe Money Transfer: Xe Money Transfer is part of a huge global money service provider, which lets you send money to 130+ countries from the US, with variable fees and rates
Capital One customer service for international wire transfers
If you need to get hold of Capital One customer service for international wire transfers, you can try the following:
- Visit your local Capital One branch – use the branch locator tool on the website or in the Capital One app if you’re not sure where to go
- Use the Capital One in app chat bot, Eno to get help with specific questions
- Call Capital One at 1-877-383-4802
Conclusion
While most banks offer international wire payments, they’re often not the quickest, cheapest, or most convenient option. Capital One’s international wire transfer fees are high, and can also include exchange rate markups and intermediary charges. Instead of using your bank, check out some specialist online providers like Wise, Remitly, and OFX. Services that specialize in international payments can often offer streamlined processing which costs less and gets your money where it needs to be faster.
Capital One international bank transfer FAQs
How much does a Capital One international transfer cost?
Standard Capital One international wire transfers have a 40 USD transfer fee, plus exchange rate markups and intermediary costs.
How long does a Capital One international money transfer take?
The exact amount of time it takes for your Capital One international wire to arrive will depend on the destination country and the recipient’s own bank’s processes. Delivery times of up to 10 business days are to be expected.
How to transfer money internationally with Capital One?
Not all Capital One customers can send money internationally.Check if you can send an international wire by visiting your local Capital One branch.
