- Competitive exchange rates
- Flexible transfer options
- Transfer to 50+ currencies
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.
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.
|Money transfer specialist||Minimum transfer||Maximum transfer|
|Currencies Direct||$1||£25,000 per online transaction|
|HSBC||$10||$200,000 per day|
|MoneyGram||$1||$10,000 per online transaction|
$10,000 every 30 days
|Paypal||$1||$10,000 per online transaction|
|Placid Express||$0||$9,900 every 30 days (differs for Arizona residents)|
|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
|Wise||$1||$1 million per transaction for business and personal users|
|USPS||$1||$1,500 a day|
|Walmart||$0||$10,000 per per online transfer|
$10,000 every 30 days
|Sendwave||$1||$999 a day|
$2,999 a month
|Western Union||$1||Up to $3000 without verifying your account|
Up to $50,000 once you’re verified
No limit for in-person transfers
|WorldRemit||$1||$9,000 every 24 hours|
|Xe||$50||$500,000 per online transaction|
|Xoom||Depends on country.||$2,999 a day|
$6,000 every 30 days
$9,999 every 180 days
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.
A limit on the total amount you can transfer each day.
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.
In some circumstances, a provider will limit the amount of money you can transfer to any one person or account.
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.
When comparing money transfer providers, factor in:
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.
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.