Wise transfer limits depend on your destination country, account verification level, and payment method. Fully verified personal accounts can send up to $1,000,000 per year, with individual transfers typically capped at $50,000–$150,000 per corridor. Here are the key limits for 2026.
Personal Account Limits
| Transfer type | Limit |
|---|---|
| Annual send limit (ACH bank transfer) | Up to $1,000,000 |
| Per-transfer limit (most corridors) | $50,000–$150,000 |
| Per-transfer limit (some corridors, e.g., MXN, PHP) | $10,000–$50,000 |
| Card funding limit per transfer | Typically $5,000–$10,000 |
| Minimum transfer amount | $1 |
Limits are for fully verified personal accounts. Unverified or partially verified accounts have lower limits.
Business Account Limits
Wise business accounts have significantly higher limits and are appropriate for companies making regular payroll or vendor payments abroad.
| Transfer type | Business limit |
|---|---|
| Per-transfer limit | Up to $6,000,000+ (varies by corridor) |
| Batch payments | Available (pay multiple recipients at once) |
| Annual cap | No stated annual cap for most business accounts |
Limits by Funding Method
Your payment method affects per-transfer maximums:
| Funding method | Typical per-transfer cap |
|---|---|
| ACH bank transfer | $50,000–$150,000 (varies by corridor) |
| Debit card | $5,000–$10,000 |
| Credit card | $2,500–$5,000 |
ACH bank transfer unlocks the highest limits and lowest fees — it is the recommended method for large transfers.
Limits by Destination (Selected Corridors)
| Destination | Per-transfer limit (personal, ACH) |
|---|---|
| EUR (Europe) | Up to $150,000 |
| GBP (United Kingdom) | Up to $150,000 |
| CAD (Canada) | Up to $150,000 |
| AUD (Australia) | Up to $150,000 |
| MXN (Mexico) | Up to $50,000 |
| INR (India) | Up to $50,000 |
| PHP (Philippines) | Up to $50,000 |
| BRL (Brazil) | Up to $25,000 |
Always verify current limits in the Wise app before initiating a large transfer — limits can change.
How to Increase Your Wise Limit
- Complete identity verification — Upload your passport or driver’s license + proof of address. This unlocks the maximum personal limits.
- Provide source of funds — For very large transfers, Wise may ask where the money is coming from (e.g., salary, property sale, savings). This is a standard regulatory requirement for money transmitters.
- Open a Wise business account — If you are a freelancer, self-employed, or running a company, a Wise business account has higher per-transfer limits.
- Split transfers — If a single corridor cap is lower than your amount, you can sometimes send in multiple transfers (subject to your annual limit).
How Wise Limits Compare to Alternatives
| Service | Per-transfer limit | Annual limit |
|---|---|---|
| Wise (personal, ACH) | $50K–$150K | ~$1,000,000 |
| PayPal (verified) | $60,000 | Not stated |
| Bank wire | No cap (bank-set) | No cap |
| Zelle | $500–$5,000/day (bank-set) | Bank-set |
| Western Union (online) | $5,000 | $50,000/30 days |
For large international transfers, Wise and bank wires are the two main options. Wise is usually cheaper; bank wires have no per-transfer cap.
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