Wire transfers allow you to send and receive large amounts of money quickly and securely.
Use this guide to choose the right option for your needs. Keep in mind that these steps apply to personal bank accounts. The wire transfers process for small business and commercial accounts may differ.
Within the United States:
You can send wire transfers by logging into your Capital One account and following the steps on our overview page.
Individuals cannot send domestic wires through branch locations.
Outside the United States:
At this time, you can only send international wires through our branch locations.
Not all account types are eligible. Please call 1-800-655-BANK for more information in regards to eligibility and requirements prior to visiting a branch location.
The table below indicates sending fees, eligibility, and recipient types. You will need your mobile phone in order to authenticate.
Please keep the following in mind when preparing to send a wire transfer:
For both online and phone channels, the cutoff time for sending domestic wires is 2 pm ET. The cutoff time for international wire transfers is 3 pm ET.
If you cannot access our website, or you are experiencing difficulties, you can call in for assistance. An associate can help you from 8 am ET to 5 pm ET Monday-Friday.
Domestic Wire Transfers
The wire will be received by the recipient’s bank the same day, if requested by 2 pm ET Monday-Friday (except Federal holidays). If it’s requested after this time, it will be received by the recipient’s bank the next business day.
International Wire Transfers
International wires may take up to 10 business days to be deposited to the recipient's account
If you’re receiving a wire transfer, the sending bank will be fully responsible for initiating the wire transfer and handling any serviceable issues.
For more information on how to receive a wire transfer, visit our overview page.
Domestic Wires
Wires cannot be modified or canceled after they have been submitted. If you don’t recognize wire transfer activity on your account, please call us at 877-383-4802.
International Wires
There is a thirty minute hold period for international wires. If you need to cancel your transfer within this time period, you can call the Capital One branch you used to send the wire.