Fifth Third Bank Large Transfers [2025] Guide: the How-to, Limits & Fees
Fifth Third Bank supports incoming and outgoing international transfers for account holders. If you’d like to send money abroad you’ll need to visit your local branch to arrange the payment in person – the teller can then inform you of the limit and fee that applies on your specific transfer.
This guide walks through how Fifth Third Bank transfers work, and also offers a couple of alternatives like Wise or OFX which may be more convenient, with high limits and low overall costs.
Quick summary: Fifth Third Bank transfer limits 💡
- Fifth Third Bank transfer limits are not publicly disclosed and may vary between account types
- You can only send a payment overseas with Fifth Third by visiting a branch
- Fifth Third Bank transfer fees can be up to 85 USD per payment, depending on the account you hold and the transfer details
- You may find you can get a more convenient digital payment with lower overall costs if you use a provider like Wise or OFX instead of your bank
| ☀️ Fifth Third Bank daily transfer limit | Not disclosed – dynamic limits may apply to different payment types |
| 💻 Fifth Third Bank online transfer limit | Not available for international transfers – visit a branch in person |
| ⬇️ Fifth Third Bank receiving limit | Incoming payments may be unlimited |
Pros and cons: Sending large transfers with Fifth Third
| Fifth Third Bank large transfers pros | Fifth Third Bank large transfers cons |
|---|---|
| ✅ Get face to face payment support ✅ Some accounts have transfer fees waived ✅ Familiar and reliable service ✅ Safe to use | ❌ High fees can apply on some payments ❌ Exchange rates may include a markup ❌ Wires can only be arranged in a branch |
Sending a payment abroad with Fifth Third may not be the most convenient or cheapest option. We’ll cover some great alternatives in this guide, including specialist services like Wise or OFX.
Can you send high value international transfers with Fifth Third Bank?
Fifth Third Bank does not specify the limits which apply on international payments. You’ll need to visit a branch to set up your wire, where the teller can inform you of any limit which applies.
Fifth Third Bank high amount transfer fees 💰
Fifth Third Bank high amount transfer fees depend on the account type you hold and the currency you’re sending in. Where applied, you may pay a fee of 50 USD for an outgoing international wire in a foreign currency, or 85 USD for a wire sent overseas in USD.
Fifth Third Bank exchange rate for international transfers
Fifth Third Bank sets exchange rates for international payments, which may include a markup. When you visit a branch to arrange your payment you’ll be notified of the rate which applies to your specific payment. Compare this rate to the mid-market rate, which is the one you’ll find on Google, to see if a markup has been added.
Markups can be costly when sending high value payments. As this is a percentage cost, the absolute amount you pay can end up being far higher than the transfer fee itself, even if it’s tricky to spot.
Is Fifth Third Bank safe for large amount transfers? 🔐
Fifth Third Bank is an established provider which is considered safe to use, even for large amounts.
Fifth Third Bank transfer limits
Fifth Third Bank money transfer limits for international wires are not publicly disclosed. You can find the limit which applies to your account by visiting your local branch.
Transfer limits may apply on a daily, weekly or monthly basis, and can be dynamic. This means that they’re set according to the specific account type and the transaction patterns of any given customer, rather than being a fixed limit for all.
Alternatives to Fifth Third Bank with higher transfer limits
If you find you hit a payment limit with Fifth Third Bank, you can choose an alternative provider. Specialist money transfer services can offer fast payments, high limits and low fees – and you’ll also be able to get everything arranged right from your phone without needing to visit a physical location.
Here are some alternative providers you may want to compare, to help you pick the best option for your specific needs.
| Providers | 🎯 International transfer limits | 💡 Transfer methods | 💰 Transfer fees & exchange rates |
|---|---|---|---|
| Fifth Third Bank | Not stated – check in your local branch | Send wires in branch only | Variable fees up to 85 USD, exchange rate may include a fee |
| Wise | Up to 1 million USD | Send online and in app | Low variable fees, mid-market exchange rates |
| OFX | Unlimited | Send online, in app and by phone | No transfer fee, exchange rates may include a markup |
| Xe Money Transfer | Up to 500,000 USD | Send online and in app | Variable fees, exchange rates may include a markup |
Details correct at time of research – 22nd July 2025. Some other limits may apply depending on the details of the transfer.
About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
Wise
Wise is a specialist in international transfers and multi-currency accounts for personal and business customers.
Wise offers low cost currency conversion and cross border payments to 140+ countries.
Wise transfer limits are high – usually around 1 million USD – and there are fee discounts on high value payments over 20,000 GBP which is around 25,000 USD or so.
- Send payments to 140+ countries, in a broad range of international currencies
- Currency conversion uses the mid-market exchange rate with low, transparent fees for payments
- Discounted fees on higher value transfers, or if you may multiple transfers in a month which aggregate over around 25,000 USD in value
| 🎯 Wise pricing & limits | |
|---|---|
| Wise transfer limits | Up to 1 million USD for most currencies More information on: Wise limits |
| Transfer fees | Low, variable fees based on the currency, with discounts on high value transfers |
| Exchange rates | Mid-market exchange rates. |
| Incoming transfer limits | Often unlimited – limits may vary depending on the currency received |
| Incoming transfer fees | Low fees apply for incoming wire and SWIFT payments, depending on the currency received |
*Details correct at time of research – 22nd July 2025
| 📚 Read more on our guide comprehensive guide: How to send large money transfers with Wise |
OFX
OFX is well known for great customer service, and offers a 24/7 phone service to customers around the world. OFX personal and business customers can make international transfers in 50+ currencies, and access currency risk management products too.
Payments are usually unlimited, with no transfer fee – an exchange rate markup will apply.
- Send to a huge range of countries, in 50+ currencies
- 24/7 personal phone service
- One off and recurring international transfers available
| 🎯 OFX pricing & limits | |
|---|---|
| OFX transfer limits | No outgoing transfer limit |
| Transfer fees | No OFX fee |
| Exchange rates | Exchange rates may include a markup |
| Incoming transfer limits | OFX does not offer an account to receive payments |
| Incoming transfer fees | OFX does not offer an account to receive payments |
*Details correct at time of research – 22nd July 2025
Xe Money Transfer
Xe Money Transfer lets you send a payment online or in app to 130+ countries from the US, for personal or business use. Xe has a fixed limit of 500,000 USD or the currency equivalent per personal payment. This limit does not apply on business transfers.
- Send up to 500,000 USD in a single online payment
- Payments available to 130+ countries
- Pay by bank transfer or with a card
| 🎯 Xe pricing & limits | |
|---|---|
| Xe transfer limits | Up to 500,000 USD |
| Transfer fees | Variable fees based on the currency |
| Exchange rates | Exchange rates may include a markup |
| Incoming transfer limits | Xe does not offer an account to receive payments |
| Incoming transfer fees | Xe does not offer an account to receive payments |
*Details correct at time of research – 22nd July 2025
| 🌍 Looking to send large amounts of money abroad? 💰 If you’re not sure which provider to choose, you can compare your options here: Best ways to send large amounts of money overseas 🚀 |
How long do large transfers take with Fifth Third Bank?
Fifth Third Bank wires are likely to be processed through the SWIFT network, which means that the bank works with intermediary partner banks to pass your money to the recipient account.
This is an established, safe and reliable process, but it can take several days. SWIFT payment delivery times vary depending on the country you’re sending money to, but can take 1 – 5 days on average.
How to send a large amount transfer with Fifth Third Bank
The only way to send a large amount transfer with Fifth Third Bank is to visit your local branch and have a teller assist you with your payment.
Make sure to have all your account information with you, as well as a form of ID in case you need it to initiate your payment.
Information needed to send large amounts of money with Fifth Third Bank
To send a payment with Fifth Third you’ll need to gather all of the recipient’s banking information so the money can be safely deposited. The exact details needed may vary a bit depending on the country and currency you’re sending to, but can include the following:
| 📁 Required information to send large amounts with Fifth Third Bank |
|---|
|
Is it possible to increase Fifth Third Bank transfer limits?
Fifth Third Bank transfer limits are not disclosed and may depend on the account type you hold and how you usually transact.
If you want to send a high value payment you’ll need to check directly with the bank to learn the Fifth Third Bank transfer limits which apply to your own account.
How to increase Fifth Third Bank transfer limits
If you run into a problem with Fifth Third Bank transfer limits when arranging a payment, a member of the bank staff will be able to discuss your options with you.
How to receive large transfers with Fifth Third Bank
If you want to receive a payment to your Fifth Third Bank account you’ll need to pass the sender your full name and account number, as well as the following information:
- Fifth Third Bank Routing Number: 042000314
- Fifth Third Bank Swift Code (International Wire Transfers): FTBCUS3C
- Fifth Third Bank Wire Transfer Address: 38 Fountain Square Plaza, Cincinnati OH 45263
Depending on the account type you hold, there may be a fee of 15 USD to receive a Fifth Third Bank wire.
Alternatives to Fifth Third Bank for receiving large payments
Receiving a payment to Fifth Third Bank may mean paying a fee. Your money will be converted from the foreign currency to USD to be deposited.
If you’d prefer to receive an international payment in a foreign currency without conversion you may prefer to use an alternative provider with a foreign currency account like Wise or Revolut.
| Wise Account review: | Receive payments with account details in 20+ currencies, often with no limit on the incoming transfer amount. |
| Revolut Account review: | Receive payments in USD and GBP with local account information, and SWIFT transfers in around 25 other supported currencies. |
📚 Learn more: How to open a bank account in foreign currency
Fifth Third Bank business payments limits
Fifth Third Bank business payments limits are not disclosed and may depend on the account type you hold and the way you usually transact. To learn about the Fifth Third Bank international business payments limits that apply to your specific account you’ll need to get in touch with the bank directly.
Fifth Third Bank customer support for high amount transfers
You can get help with your transfer in app, by phone and in person. Here are your Fifth Third Bank customer support options:
- Call Fifth Third Bank customer support on 800-972-3030
- Open an in app chat with Fifth Third Bank customer support by logging into your account
- Visit a branch in person to ask for Fifth Third Bank customer support
| 📚 If you need to send or receive a large amount transfer, these guides might be useful: |
Conclusion: Does Fifth Third Bank have transfer limits?
Fifth Third Bank transfer limits are not disclosed and might depend on the type of account you hold and how you usually transact. You will need to visit a branch to arrange an outgoing wire, and can check the limit which applies to your specific account at that time.
If you’d prefer to send a payment digitally, you might be better off using a different service such as Wise or OFX.
Both allow you to set up a high value transfer online or in app which can be more convenient than waiting in line in a physical bank branch. Compare your options with different services to help you decide which is the best fit for your unique needs.
| 📚 If you are looking to send an international wire, this guide might be helpful: Fifth third international wire transfers guide |
Fifth Third Bank international transfer limits FAQs
How much can I transfer with Fifth Third Bank internationally online?
International wires with Fifth Third can only be arranged in a branch location. If you’d rather send money online you may consider a different service such as Wise, OFX or Xe Money Transfer.
What is the maximum amount you can transfer abroad with Fifth Third Bank?
Fifth Third Bank transfer limits are not disclosed and might depend on the type of account you hold and how you usually transact. You’ll be informed of the limit that applies when you go to a branch to set up your payment.
How can I increase the Fifth Third Bank maximum transfer limit?
There’s no information publicly disclosed about increasing the Fifth Third maximum transfer limit. However, if you need help with a payment you can ask in branch or give the customer service team a call to get advice.
