Personal Finance Money transfer

Complete guide to (Transfer)Wise limits in the UK

Gert Svaiko

30.06.25

Read time 3 minutes

Just signed up for a Wise account and want to know what you can do with it? Like most kinds of UK accounts, there are some limits.

Read on for a full rundown of all the Wise limits you need to know about in the UK - and when using your account and card overseas. This includes Wise transfer limits per day in the UK, as well as how much you can receive, spend and withdraw.

So, let’s dive in.

Don’t have a Wise account yet? Sign up today

Wise transfer limits in the UK

The first thing you’ll want to know is how much you can send with Wise.

Transfer limits vary depending on the currency you’re sending. You can check the full list here, but we’ve also included limits for a few of the most popular currencies below:

Currency	Max. amount per transfer
British pounds (GBP)	£20 million GBP per transfer (max. £1 million without transferring from your Wise account)
Euros (EUR)	€20 million EUR per transfer (max. €1.2 million without transferring from your Wise account)
US dollars (USD)	- $1 million USD per local ACH transfer - $20 million USD per local wire transfer (when paying from USD balance) - $1.6 million USD per SWIFT transfer
Australian dollars (AUD)	£5 million AUD
Canadian dollars (CAD)	Unlimited (when sending CAD via a bank transfer)

It’s also worth knowing that Wise offers discounts for sending large amounts over £20,000 (or the currency equivalent). The more you send, the more you save.

Wise account limits in the UK

To unlock all the features of Wise, you’ll want to open a Wise account online or in the Wise app. It's not a bank account but offers some similar features and your money is safeguarded.

Let’s take a look at the Wise account personal limits you should know about:

Sending money from your GBP balance

You can send up to £1 million GBP per transfer with Wise. But if you want to send more, there’s an easy way you can send up to £20 million per transfer.

You’ll need to do it from your Wise account, by creating a GBP balance. Here’s how:

Open a balance for the currency you want to convert from (the source balance)
Open another balance for the currency you’re converting to (in this case, GBP).
Add funds to your source balance
Convert it to GBP and send it to your GBP balance
Send the transfer.

You can see full details of how it works here.

Receiving money into your GBP balance

The great news is that there are no limits for receiving money into the GBP balance in your Wise account.

This means you can provide your recipient with your GBP account details and they can send you as much as they want.

There are also no limits for how much you can hold in your balance, so you’re free to manage your money however you want.

Find out more about how Wise works here.

Wise card limits (contactless and virtual)

Now, let’s take a look at the limits for using your Wise card.

The Wise card is available when you open a Wise account, for a one-time fee of just £7. It’s an international card, so you can use it all over the world in 40+ countries and spend/withdraw in 40+ currencies just like a local.

Here are the limits for using your Wise card here in the UK and abroad:

Transaction type	Transaction limit (GBP)	Monthly limit
Contactless	- Default: £200 - Max: £400	- Default: £1,500 - Max: £4,000
Chip & PIN/mobile wallet	- Default: £1,000 - Max: £2,000	- Default: £5,000 - Max: £15,000
Online purchases	- Default: £1,000 - Max: £2,000	- Default: £2,000 - Max: £15,000

You’ll notice that there is a default as well as a maximum limit shown above. The default is what your card may be set to when you first get it. However, you can amend these in the Wise app, up to the maximum limit shown.

These limits apply to both physical and digital Wise cards. The only other thing you need to know about with virtual cards is that you can have a maximum of 3 at a time.

And lastly, a note about Wise contactless limits. Wise has its own limits, but how much you can spend per transaction will mainly be affected by where you’re spending, as each country has its own local and national rules.

For example, in the UK the contactless payment limit is currently set at £100 GBP, while in Spain it’s €50 EUR. For any amount above this, you’ll usually be prompted to enter your PIN in order to complete the transaction.

💡 Read more: How to use the UK-issued Wise card abroad

Wise card ATM withdrawal limits

You can also use your Wise card to withdraw money overseas, and it’s fee-free for withdrawals up to £200 per month (max. 2 withdrawals). Wise will not charge you for these withdrawals, but additional charges may occur from independent ATM networks. For any withdrawals above this, you’ll pay a small fee of 1.75% +£0.50 per withdrawal.

You’ll also need to check whether the ATM charges its own fees, as some (especially overseas) have a transaction fee for using the machine. These can be quite expensive, so it’s always worth checking before withdrawing any cash.

As for the maximum you can withdraw, Wise ATM withdrawal limits are as follows:

Per withdrawal	Per month
- Default: £250 - Max. £1,000	- Default: £1,500 - Max. £6,000

As with card spending limits, your card may be set at the default withdrawal limit shown above. But you should be able to increase it by logging into your account on the Wise app.

And that’s about it - all you need to know about Wise transfer limits in the UK.

We’ve looked at how much you can send, receive, spend and withdraw using your Wise account and card, so you’ll know exactly where you stand when you get started with Wise.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.