Capital One International Wire Transfer: SWIFT Code, Exchange Rate, Limit, Transfer Fee

capital one international wire transfer

To make a Capital One international wire transfer, an individual must have a personal bank account in the United States of America. Additionally, a study in the USA student can also receive money transfers from across the world through a Capital One account. To send money internationally through a SWIFT wire transfer, an individual must go to the official website of this financial institution and proceed with the transaction.

With Capital One international wire transfer, they ensures that the money sent overseas and received via wire transfer is received within 1 to 5 business days. The organisation also charges transfer fees, which are different for sending and receiving money internationally.

How to Send Capital One International Wire Transfer?

Capital One enables an individual in the United States to send money internationally through the SWIFT transfer channel. This financial organisation transfers vast amounts of cash securely and swiftly. An individual with a personal bank account can make a wire transfer through the official website of Capital One and she/they/he must produce specific details.

Steps to Send a Wire Transfer

A person can make an online wire transfer after furnishing the requisite details. Here is a step-by-step guide to making a wire transfer through Capital One:

  • Create an account and Sign in to the official website i.e. capitalone.com
  • Log in to your account using your credentials
  • Select the bank account from which you want to transfer money internationally
  • Now, select the ‘Account Services and Settings’ option
  • After this, click on the ‘Wire Money’ button
  • In the final step, enter the requisite information

Also Read: Cheapest International Money Transfer from Australia, UK, USA, Ireland and Other Countries

Details Required for Capital One International Wire Transfer

An individual needs to produce the following information to complete the Capital One international wire transfer. You need to enter the following details:

  • Name and address of the recipient
  • ABA (American Bankers Association) routing number of the recipient
  • Account number of the receiver
  • Bank address of the beneficiary
  • Address of the intermediary bank
  • ABA routing number of the intermediary bank

Transaction Limit

Capital One has a limit on daily international transfers. Any customer of this financial institution can send up to USD 50,000 and USD 500,000 daily through Capital One Wire Transfer. 

Transfer Fees

To make an online wire transfer, a person needs to pay USD 30 to this organisation. This amount is charged immediately. 

Delivery Time

If the request for a wire transfer is made by 2 p.m. ET Monday through Friday (apart from federal holidays), the money will be sent that day. After this period, it will be delivered the following business day if you request it.

How to Receive Capital One International Wire Transfer?

When receiving a wire transfer, the sender’s bank will be solely responsible for commencing the transaction. The sending bank will require specific details to complete the overseas transfer successfully. Capital One also charges for incoming overseas wire transfers.

Steps to Receive a Wire Transfer

Any overseas student with a personal bank account can receive a Capital One international wire transfer after furnishing the mandatory information. Here is a step-by-step guide to receiving a wire transfer from beyond the US borders:

  • Visit the official website or App of Capital One
  • Click on the ‘View Details’ option and provide all the information
  • Check whether details are accurate
  • If all details are correct, the transferred amount will be deposited in your account within the delivery time

Also Read: Bank of America International Transfer: Limit, Exchange Rate, Charges

Required Details

The recipient in the United States of America will need to submit the following information to the sender’s bank on the website or App of Capital One:

  • SWIFT Code and IBAN of Capital One
  • Address of Capital One (1111 N Town Center Dr., Las Vegas, NV 89144)
  • Account number of Capital One
  • Capital One ABA routing numbers

Transfer Fees

By account type, different wire transfer fees apply. For inbound wire transfers, the organisation charges USD 15 for incoming wire transfers in High-Yield Checking, Essential Checking, and Essential Savings accounts. There are no fees for any other account kinds. 

Delivery Time

An incoming Capital One international wire transfer arrives within 3 to 5 business days. The amount is directly deposited into your bank account.

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Capital One International Transfer SWIFT Code

An individual group of 8 or 11 alpha-numeric characters known as the Society for Worldwide Interbank Financial Telecommunications (SWIFT) Bank Identifier Code (BIC) uniquely identifies a particular financial institution and each of its branches. When a message or payment is transferred, this code is utilised to ensure automated and precise identification of financial institutions within payment systems. 

The SWIFT BIC can be given to you by your Beneficiary. The majority of SWIFT BICs just use the 8-character head office version, but some also need the extra three characters to specify a particular branch location. Your instructions for international outgoing wires must include the SWIFT BIC for the Beneficiary Bank and Intermediate Bank (if required) in the designated instruction areas in order to guarantee timely delivery. 

Thus, to receive a Capital One international wire transfer must produce Capital One SWIFT Code (IBAN) which is HIBKUS44. The sender from across the border needs to provide this code to the sending bank for a successful transaction.

Also Read: Same Currency International Transfer

FAQs

Q1. Can I make wire transfers through Capital One?

Ans. Yes, an individual with a personal bank account can send or receive money from overseas through Capital One.

Q2. What is the delivery time for the Capital One wire transfer?

Ans. If money is transferred s made by 2 p.m. ET Monday through Friday (apart from federal holidays), the money will be sent that day. For requests made after the deadline, the funds will be transferred on the next business day.

Q3. What is Capital One SWIFT Code?

Ans. To receive a Capital One international wire transfer must produce Capital One SWIFT Code (IBAN) which is HIBKUS44.

Stay connected with Fly Finance to avail yourself of study abroad loans and international money transfer services. Connect with our finance experts at 1800 572 126 to get proper guidance while opting for these services. 

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