What is Axos Bank's ACH transfer limit?

Axos Bank's standard ACH transfer limit is up to $50,000 per business day for outgoing external transfers — significantly higher than most banks' $5,000–$10,000/day limits. This makes Axos attractive for customers who frequently move large amounts between accounts.

Does Axos Bank support Zelle?

No. Axos Bank does not support Zelle. For peer-to-peer payments, Axos customers can link their account to Venmo, PayPal, Cash App, or other third-party apps using the Axos account and routing number (122287251). ACH transfers between banks are also free.

What is Axos Bank's wire transfer fee?

Axos Rewards Checking charges $0 for outgoing domestic wire transfers — a significant advantage over competitors charging $25–$35. Essential Checking and other accounts pay $35 for outgoing domestic wires. Incoming domestic wires cost $15. International outgoing wires are $45.

Axos Bank Transfer Limit 2026: ACH Limits, Wire Fees — No Zelle

Axos Bank’s ACH transfer limit is up to $50,000/day — among the highest of any US bank for standard checking. Rewards Checking waives outgoing domestic wire fees ($0). Axos does not support Zelle.

Axos Bank Transfer Limits 2026

Transfer Type	Limit	Fee
ACH outgoing (external)	Up to $50,000/day	$0
ACH incoming	No limit	$0
Domestic wire — Rewards Checking	Bank discretion	$0
Domestic wire — other accounts	Bank discretion	$35
Incoming domestic wire	No limit	$15
International outgoing wire	Bank discretion	$45
Zelle	❌ Not supported	N/A

Zelle Alternatives at Axos

Axos does not participate in the Zelle network. Workarounds:

Alternative	How	Fee
Venmo	Link Axos debit card or account	$0 (bank transfer)
PayPal	Link Axos account	$0 (bank transfer)
Cash App	Link Axos account	$0 standard
ACH to other bank	Standard bank transfer	$0 (1–3 days)

Axos ACH Limit vs Competitors

Bank	ACH Daily Limit	Zelle
Axos	~$50,000	❌
SoFi	$50,000	✅
Ally	$25,000	✅
Chase	$10,000	✅
Huntington	$5,000	✅
Citizens	$5,000	✅

Wire Transfer Details

Axos Rewards Checking is one of very few banks offering $0 outgoing domestic wires. This benefits customers who regularly wire funds to real estate closings, business accounts, or brokerage accounts. To initiate a wire, log into online banking → Payments → Wire Transfer — must be submitted on a business day before the cutoff (typically 5:00 PM PT).

Axos Bank routing number 2026 — 122287251, SWIFT IOBTUS66
Axos Bank fees 2026 — $0 monthly, unlimited ATM reimbursement
Axos Bank mobile deposit limit 2026 — $20,000/day
Axos Bank vs Schwab 2026 — transfer and fee comparison

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy