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International money transfer limits

Send as much or as little as you need with the right provider.

Money transfer providers lower fees and more competitive exchange rates than traditional banks, but which one is best for you depends on how much you’re sending.

Send money internationally with XE

XE has fast transfers with low fees and a range of foreign currency tools.

  • Send money to 130+ countries
  • Competitive exchange rates that are often better than banks'
  • Low transfer fees

Compare money transfer services now

What’s the most amount of money I can send in a day?

It depends on which provider you choose. While some transfer companies have caps as low as $999 a day, others let you send any amount you want.

Keep in mind that if you’re sending more than $10,000, you may need to report it to the IRS — and your recipient may need to report it in their country at an even lower threshold.

What’s the smallest amount I can send?

Send as little as you want, including less than $1 with some providers. But sending small amounts will limit which providers you can use, as some companies impose minimum transfer amounts.

Compare minimum and maximum transfer limits

Money transfer specialistMinimum transferMaximum transfer
Currencies Direct$1£25,000 per online transaction
Currency Online$0No limit
Hawk FX$10,000No limit
HSBC$10$200,000 a day
Money2anywhere$0No Limit
MoneyGram$1$10,000 per online transaction
$10,000 every 30 days
OFX$1,000No limit
Paypal$1$10,000 per online transaction
Placid Express$0$2,900 a day
$7,000 every 30 days
$20,000 every 180 days
RemitMoney$0No limit
Ria$1$2,999 a day
$7,999 every 30 days
Sharemoney$20$2,999.99 a day
$2,999.99 every 15 days
$9,999.99 every 180 days
TorFX$200No limit
Wise$1Individuals — $49,999 a day and $199,999 a year
Businesses — $199,999 a day and $1 million a year
Travelex International Payments$500No limit
USPS$1$1,500 a day
Walmart$0$2,500 per online transfer
$6,000 every 30 days.
Sendwave$1$999 a day
$2,999 a month
Western Union$1$500 – $10,000 per online transaction, depending on service
$300 – $500 per phone transaction, depending on service
No limit for in-person transfers
WorldRemit$1No limit
XE$50$500,000 per online transaction
XoomDepends on country.$2,999 a day
$6,000 every 30 days
$9,999 every 180 days

Search and compare international money transfers

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
24 hours

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Dunbridge Financial
Dunbridge Financial
24 hours

View details
Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
24 hours
SPECIAL OFFER ✓ Minimum transfer of $1,000 for Finder readers (normally £5,000)

View details
Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Within minutes

View details
XE has fast transfers with low fees and a range of foreign currency tools.
Wise (TransferWise)
Within an hour
From $2.26

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Within an hour

View details
Use code HAPPY22 to get USD 22 off your first transfer. Valid for transfers over USD 250 and till 31 January 2022. T&Cs apply.
Instarem offers zero transfer fees on all transfers.
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

View details
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Within an hour
From $1.99

View details
Use code Take10USD to get $10 off when you spend $20. Valid till 31 January 2022. T&Cs apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Within an hour
From $0

View details
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
OFX International Money Transfers (Business)
24 hours

View details
Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
CurrencyTransfer for Business
24 hours

View details
Increase business efficiency with zero transaction fees and same-day transfers.
Western Union
Within an hour
From $0

View details
Western Union sends money online to friends and family in 200+ countries around the world.

Compare up to 4 providers

Different types of limits

With most international money transfer providers, you’re limited to a specific amount per transaction. But you’ll find providers that limit how much you can send in a variety of ways.

Per-day limits

A limit on the total amount you can transfer each day.

Per-month limits

A limit on the total amount you can transfer in one month. Some providers will have other time-based limits, like a per-week or per-year limit.

Per-person limits

In some circumstances, a provider will limit the amount of money you can transfer to any one person or account.

Transfer method limits

Providers may also limit how much you can send by the transfer method you select. For example, if an online transfer is limited to $5,000, you might be able to send a larger amount by visiting the nearest branch to place the transfer in person.

How to choose a money transfer provider

When comparing money transfer providers, factor in:

  • Transfer limits. Make sure the providers you’re interested in are willing to send the transfer amount you want.
  • Currency. Does the transfer provider offer the currency you want to send in?
  • Affordability. Finding the best exchange rate is critical to getting the best value for you money — but you’ll need to factor in fees, too.
  • Convenience. Consider how quick and easy it is to send a transfer with each provider. Is the transfer system easy to use? Can you complete transfers online or over the phone, or do you need to visit a physical location?
  • Flexibility. You might be able to save money with a forward contract or limit order that locks in a low rate or save time by scheduling recurring payments in advance.
  • Speed. While some providers can send money almost instantly, other take days to transfer funds.
  • Customer support. Check online reviews to get an idea of how helpful the customer support team is, and look for multiple ways to get support, including over the phone, via live chat or email or in person.

Bottom line

By comparing transfer limits along with a range of other features, you can find an international money transfer provider that offers an affordable and convenient way to meet your specific needs when sending money overseas.

Compare money transfer services now

Frequently asked questions

What’s the cheapest way to send a large transfer?

If you’re sending a large money transfer, you’ll get the most competitive exchange rates using either a money transfer provider or a peer-to-peer transfer service. Which one is best for you depends on how much you’re sending, where you’re sending it and how fast you need the money to arrive.

Read our guide to sending a large money transfer to learn more.

How negotiable are transfer limits?

It depends on the provider. Some money transfer companies may offer higher transfer limits for long-term or verified customers. Contact the provider you’re interested in directly to find out more.

What are the legal limits to how much money I can send?

As long as you report the transfer to the IRS as necessary, you can send as much as you want. But if you’re sending money to a country under US sanctions, contact a professional to help you navigate any legalities.

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