How to receive an international wire transfer with Capital One
When you receive an international wire with Capital One the incoming payment is converted to USD and deposited to your checking or savings account. There may be a Capital One incoming payment fee, depending on your account type, and your transfer may also attract currency conversion and third party fees.
This guide covers all you need to know about receiving incoming international wire transfers with Capital One – and also touches on some smart alternatives to receive money without currency conversion costs, like Wise and Revolut.
Key points: Capital One receive international wire transfer
| 💡 Key points | Capital One international wire transfer |
|---|---|
| ⬇️ Fees for receiving transfers | Essential Checking, High-Yield Checking, and Essential Savings customers pay 15 USD. Other account types have no incoming transfer fee. Third party fees and conversion costs may still apply. |
| 💱 Exchange rates | Incoming payments are converted to USD by the sender’s bank, an intermediary, or Capital One. Exchange rates may include a markup – a fee. You might get a better rate with a specialist service like Wise* or Revolut. |
| 🔐 Safety | Capital One is a secure provider which is safe to use, with extensive customer support options. |
| 🎯 Incoming transfer limits | Capital One does not have a stated incoming transfer limit – check your limits with the bank directly. If you can’t receive your high value payment with Capital One, try an alternative like Wise or Payoneer. |
| 🚀 Incoming transfer speed | Incoming transfers to Capital One take 3 – 5 days to be deposited to your account. |
| ⭐ Convenience | Getting a payment with Capital One is convenient – just find all your account information in the Capital One app, or by calling the bank. |
*Details correct at time of research – 2nd October 2025. 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.
| FAQs | Answers |
|---|---|
| 💰 Does Capital One charge a fee to receive an international wire transfer? | Some popular Capital One accounts including Essential Checking and High-Yield Checking have a 15 USD incoming payment fee. This is waived for specific account types. |
| 🎯 How long does it take to receive an international wire to Capital One? | Incoming transfers to Capital One take 3 – 5 days to be deposited to your account. |
| ⭐ Are there better alternatives to Capital One for receiving international wire transfers? | You may find you can get a lower overall payment cost by using a provider like Wise, Revolut or Payoneer to receive payments with local account details. More on that later. |
How to receive an international wire transfer to Capital One: Step-by-step instructions
When you receive a payment with Capital One, you’ll need to find some key account information to pass to the sender. Then you can sit back and wait as the sender initiates the payment online, in app or by visiting their own bank branch. Once the payment has been processed it will be deposited to your Capital One account with no need for any further action on your part.
Here’s a summary of how to receive an international wire transfer to Capital One step-by-step:
Step 1: Find your Capital One account information and give it to the sender
To safely arrange your transfer, the sender needs information about you and your Capital One account. This includes your Capital One account and routing numbers, and the bank’s official name, address and SWIFT code.
We’ll cover where to find this information, and why it’s needed, later.
Step 2: Agree who will pay the transfer costs
There are fees associated with sending international payments. It’s a good idea to talk to the sender about who will cover these costs, so there are no surprises.
The sender may need to pay a transfer fee, and some additional fees may be deducted as the transfer is processed, by intermediaries involved in the SWIFT process. Finally, depending on your account type you may also have to pay a 15 USD incoming payment fee to Capital One.
Step 3: Your money will be deposited into your Capital One account 3 – 5 days after the transfer is initiated
It’s now over to the sender, who can initiate the transfer whichever way they prefer. Once the payment is made, the money should be deposited to your Capital One account in 3 – 5 days.
Capital One fees to receive an international wire transfer
The Capital One incoming international wire transfer fee you pay depends on the account type you hold. In some cases, there’s no incoming wire fee – but there are still often fees involved with processing your transfer, including currency conversion costs and third party charges. Here’s a summary:
| 💰 Fee type | ⬇️ Capital One incoming international wire transfer fee |
|---|---|
| Incoming payment fee | 15 USD fee applies to:
No incoming payment fee for other account types |
| Currency conversion cost | Variable markup may apply – set by Capital One, the sender’s bank, or an intermediary |
| Third party costs | Variable – deducted by intermediary banks and not paid to Capital One |
*Details correct at time of research – 2nd October 2025
Alternatives to Capital One to receive an international wire transfer
When you receive a payment to Capital One, your money is automatically converted to USD from the sender’s home currency. This might mean paying an unavoidable fee which is included in the exchange rate used to manage the currency conversion.
There’s also often an incoming payment fee of 15 USD, as well as third party costs when the transfer is routed through the SWIFT network.
This can all add up, and may mean you receive less than you expected. Specialist providers offer multi-currency accounts which let you receive your payment without currency conversion – avoiding the associated costs.
They also often use their own payment networks, which means no third party fees to pay – and may have low or no charges for receiving some incoming payments in select foreign currencies.
Here’s a summary of three popular multi-currency account options side by side – with more details coming right up afterwards.
| Wise | Revolut | Payoneer | |
|---|---|---|---|
| 💡 Eligibility | Personal and business customers in the US and many other countries | Residents and business owners in the US and many other countries | Business customers in the US and many other countries |
| 🌍 Supported currencies | 40+ currencies supported for holding and exchange | 25 currencies supported for holding and exchange | 9 currencies supported for holding and exchange |
| ⭐ Local and SWIFT account details | Local account details for 8+ currencies SWIFT details for 20+ currencies | Local account details for USD and GBP SWIFT details for all other supported currencies | Local account information for 9 currencies |
| 💰 Fees to receive money | No fee to receive payments with local details in AUD, CAD, EUR, GBP, HUF, NZD, SGD, TRY, USD 6.11 USD to receive USD wires and SWIFT payments Other SWIFT payments – low, fixed fees apply | No Revolut fee | Variable fees depending on the payment details |
| 💱 Exchange rate | Mid-market rate | Revolut rate with no additional fee for weekday conversion to plan limit Fair usage and out of hours fees may apply | 0.5% fee is applied to the rate provided |
| 🎯 Limits for incoming wires | No limit for most currencies | No stated limit | No stated limit |
*Details correct at time of research – 1st October 2025. 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
The Wise Account can be used to receive, hold, send, spend and exchange a broad selection of currencies.
Your account offers convenient ways to get paid with local details in 8+ currencies. You can also receive money in 20+ currencies with SWIFT account details, including currencies such as USD, GBP and EUR.
If you choose, you can order a linked Wise Multi-Currency Card to spend online and in person, with currency exchange which uses the mid-market exchange rate with low conversion fees.
| 💡 Wise pricing & limits | |
|---|---|
| 💰 Account fees | No monthly fees Transaction fees may apply depending on account usage |
| ⬇️ Incoming transfer fees | No fee to receive non USD payments using local details Small fees apply for USD wires and SWIFT payments. ACH payments are free to receive. |
| 🎯 Incoming wire limits | Usually no limit to account holding |
| 🌍 Supported currencies for receiving payments | Local account details for 8+ currencies SWIFT details for 20+ currencies |
| 💱 Exchange rates | Mid-market exchange rate. Check Wise exchange rates here. |
| ⬆️Sending transfer fees | Low and transparent fees, starting from 0.57% |
*Details correct at time of research – 1st October 2025. 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.
📚 Learn more: How to receive money from abroad with Wise
Revolut
Revolut offers digital accounts which support 25 currencies for holding and exchange, and which come with account information for both local and international payments.
You can receive local payments in USD and GBP and you’ll also get SWIFT details for all other supported currencies.
Revolut personal customers in the US can choose from 3 different account tiers depending on needs, all of which come with a linked debit card and some no fee currency conversion every month.
| 💡 Revolut pricing & limits | |
|---|---|
| 💰 Account fees | 0 USD – 16.99 USD monthly fee depending on plan selected Variable transaction fees depending on plan |
| ⬇️ Incoming wire fees | No Revolut fee |
| 🎯 Incoming wire limits | No stated limit |
| 🌍 Supported currencies for receiving payments | Receive local payments in USD and GBP and you’ll also get SWIFT details for all other supported currencies. |
| 💱 Exchange rates | Revolut rate with no additional fee for weekday conversion to plan limit Fair usage and out of hours fees may apply |
| ⬆️Sending transfer fees | Variable fees depending on the account plan selected |
*Details correct at time of research – 1st October 2025
Payoneer
Payoneer offers multi-currency business accounts which can be helpful for receiving payments in 9 major currencies.
Your account comes with the local details you need to receive foreign currency payments.
A fee may apply depending on the currency you receive, and there is also a small charge for currency conversion if you need it.
The Payoneer account is a comprehensive business account with a linked payment card for business spending and cash withdrawals.
| 💡 Payoneer pricing & limits | |
|---|---|
| 💰 Account fees | No ongoing account fees Transaction fees apply depending on account usage |
| ⬇️ Incoming wire fees | Fees vary depending on the currency involved |
| 🎯 Incoming wire limits | Not stated |
| 🌍 Supported currencies for receiving payments | 9 currencies – USD, CAD, GBP, EUR, JPY, AUD, HKD, SGD and AED |
| 💱 Exchange rates | 0.5% fee applies on currency exchange |
| ⬆️Sending transfer fees | Up to 3% |
*Details correct at time of research – 1st October 2025
What information is needed to receive a wire transfer at Capital One
Before your sender initiates the transfer you’re expecting, they’ll need to get some information from you, to allow them to start the payment from their own bank or using a specialist provider.
It’s important that the sender has all the correct information for your account, to allow the payment to be processed securely and without delay.
Here’s a summary of the information you need to receive an international wire transfer, make sure to give the person sending you money these details:
| 📁 Required information to receive payments with Capital One |
|---|
|
Capital One SWIFT code for international transfers
A SWIFT code is a unique identifier that’s used when sending international payments. It allows the sender’s bank to find Capital One, to process the transfer securely – even if they’re located in a different country. You can think of the SWIFT code like a ZIP code – helping payments find their way across the world safely.
| 📌 Capital One SWIFT code |
|---|
| Capital One’s SWIFT code: HIBKUS44 |
How to find Capital One SWIFT code
You can find your Capital One SWIFT code by logging into your Capital One app or the online banking service, and looking for the View Details tab. If you prefer you can also get it from your paper statements.
Capital One routing number to receive international wire
The Capital One routing number to receive an international wire depends on where your account is located. You can get the information you need from your digital banking service. If you’re not signed up for online and mobile banking you’ll need to call the Capital One service center or visit a branch to ask for information about your routing number.
| 🔢 Capital One routing number |
|---|
| Check the View Details tab in your online or mobile banking service – or call the bank directly |
Capital One address for incoming international wires
Your sender may ask you for the Capital One address for incoming international wires. This is the same address, no matter which branch you opened your account in. You can also find this information on your mobile and online banking page if you prefer.
| 🏦 Capital One address |
|---|
| Capital One’s address: 1680 Capital One Drive McLean, VA 22102-3491 |
Capital One receive limits for incoming international wires
Capital One does not state any blanket receive limits for incoming international wires. It’s possible that specific limits may apply depending on your account type and your relationship with the bank.
If that’s the case you’ll be able to find the details you need online, in app, or by calling the bank to ask for their support.
If you’re looking for information about international wire transfer limits, this guide might be helpful: Limits that apply to international money transfers, and International money transfer regulations.
How long does it take for Capital One to receive an international wire transfer?
Incoming transfers to Capital One usually take 3 – 5 days to be deposited to your account. This is common when payments are processed through the SWIFT network, as several banks may need to work together to process the payment – which takes a little time.
Ultimately the length of time it takes for a payment to arrive can be impacted by factors like the sender’s bank processes, the value and currency of the payment, and any public holidays in the US or the sender’s own country.
You might find a specialist provider like Wise, Revolut or Payoneer can help you receive your payment more quickly. Services like these tend to use local account networks which can mean your payment is processed quickly or even instantly.
How to track an incoming international wire transfer with Capital One
When you receive an incoming international wire transfer with Capital One, the process is owned and managed by the sender’s bank up to the point that the funds are deposited in your account. This means that to track your incoming payment, you’ll need to ask the sender to check in their own online banking service for an update on the delivery timescale.
What can you do if your transfer is not delivered yet
If the sender can’t help give you more information about the payment, you may need to ask for help at Capital One. You can visit a branch or call the team on 1-800-655-BANK (2265). Help is available Sunday-Saturday, 8 a.m.-11 p.m. EST.
If needed, your own bank or the sender’s bank may be able to trace the wire – but as a fee is usually required, it is worth talking to both banks first to get more information before you request the trace.
Conclusion: Capital One incoming international wire transfer
You can receive a Capital One incoming international wire transfer easily enough, but it’s helpful to know that there are often several fees which will apply. Some of these are paid by the sender – but as some are deducted once the payment is being processed, you may end up with less than you expected in the end.
You may be able to avoid some of the costs associated with international wires, by using a specialist provider like Wise, Revolut or Payoneer. All allow you to receive payments without currency conversion – avoiding the currency exchange markup that may be applied by the sender’s bank or Capital One.
Depending on the provider your pick you might also be able to minimize other fees. Wise, for example, offers local account information in 8+ currencies which lets you be paid without using the SWIFT network. This means intermediary fees are unlikely to apply, and there’s no incoming payment fee from Wise either.
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