Wise Transfer Limits: How Much Can You Actually Send?

The limits are set very high, generally

Wise transfers can scale up to roughly the equivalent of 1 million GBP per bank transfer, and considerably more when funded from your Wise balance directly — genuinely generous compared to many traditional bank transfer limits, built to let personal and business customers transact freely rather than hit an artificial ceiling.

What actually determines your specific limit

Four factors: your country of residence (local regulations can set their own caps), your verification level (a simple ID check covers everyday amounts, larger sums need additional documents), your account type (personal vs. business), and the currency and payment method you're using. Your exact current limit is shown directly in the app before you confirm a transfer.

Verification is the lever that actually matters

The pattern holds across every account: the more Wise knows about you, the more you can send. A basic identity check covers routine amounts; six- or seven-figure sums require additional documentation, increasing your verification level and limit together.

If you're planning a large, one-off transfer

Check your current limit in the app before you need to send urgently — if it's below what you need, completing additional verification in advance avoids a delay right when timing matters. Our Wise support guide covers what to do if a transfer needs escalation.

See also: Wise UAE complete guide · Wise customer support guide