Paysend transfer limits [2025]

Paysend is a global money transfer service. You can use it to send money from the US to over 170 countries using your card, bank account, or even just the recipient's phone number.¹

But if you're planning to use Paysend, you're probably wondering about their transfer limits and how much money you can send. Here’s everything you need to know.

We'll also introduce Wise — your international money transfer alternative. Use Wise to send stress-free transfers to over 140 countries - all at the standard mid-market exchange rate.

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Paysend transfer limits overview

Paysend splits users into 3 different tiers: Basic, Advance, and Ultimate.² Each tier comes with its own daily, monthly, and biannual spending limits. You can increase your tier by providing additional information to Paysend.

These limits aren't set in stone. According to Paysend's Account Terms, they "may increase or decrease these limits or add additional limits from time to time in our sole discretion."²

Paysend can also impose different transaction limits depending on which payout method you choose and which country you're sending money to.

Plus, there are a few special cases to be aware of:

• If you live in Arizona or Florida, you'll face stricter limits than users in other states²
• If you want to use Paysend Libre, US residents can only send money to Mexico or Guatemala, and there are additional Paysend limits that apply³

These limits exist both because of Paysend's policies and because of restrictions from their partner networks and local regulations in different countries. In other words, it's not necessarily designed for large money transfers.

Paysend international transfer limits

Here are the transaction limits for sending international wire transfers through Paysend's standard service:²

If you live in Arizona or Florida, you'll face stricter Paysend maximum transfer limits:²

These international wire transfer limits can vary, and Paysend may apply different restrictions to your specific account based on their internal processes & reviews.

If you live in the US, you also have access to Paysend Libre for transfers to Guatemala and Mexico (this service isn't available for other countries yet). With Paysend Libre, money arrives instantly, and your recipients can spend it right away using a Paysend virtual Mastercard®.³

Paysend Libre has its own limits for sending money:²

All of these limits are cumulative amounts.

For example, if you're on the Basic tier with a 10,000 USD monthly limit and you send a 3,500 USD transfer and then a 4,200 USD transfer, you've used 7,700 USD of your monthly allowance. You'd only be able to send an additional 2,300 USD before reaching your Paysend limit.

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How can you check your Paysend transfer limits?

You can check your current transfer limits by contacting Paysend's Customer Support team.⁴ You might also be able to see these limits directly in your Paysend app.

If you try to send an amount that goes over your limit, Paysend's system will stop the transaction and show you an alert. This alert will tell you the maximum amount you're allowed to send, and you'll get instructions on how to raise your Paysend limits (if that's possible for you).

Can you increase your transfer limits at Paysend?

Yes, you can request higher transfer limits. Paysend will usually prompt you to provide additional information or documentation to verify your identity and/or financial situation.

You can also reach out to their customer support team directly to ask about increasing your limits.

What are Paysend's transfer fees and charges?

Paysend will charge you fees for a few different things:⁵

• Funding your multi-currency account through bank transfers — you'll pay whatever fee applies to your chosen funding method
• Getting a physical Paysend card shipped to you costs the USD equivalent of 4.99 GBP or 5.99 EUR, depending on which country you registered in
• ATM withdrawals beyond the USD equivalent of 200 GBP or 220 EUR per month cost 2% of whatever you withdraw
• Sending money to bank cards, bank accounts, and digital wallets
• Using your Paysend card to make purchases in a different currency costs 2% of the transaction amount

When you start your international transfer, you'll see the fees for your country and payment method displayed on the screen. There's no one fixed fee that applies to all money transfers.

Paysend says they don't charge a fee for "exchanging money between currencies," but they do add a conversion rate markup.²⁵

These sound similar, but they're different things.

This wording is misleading because you will lose money on currency exchanges. Paysend doesn't give you the mid-market exchange rate. Instead, they build their profit into the exchange rate they offer you, which means you pay more than you should, even though you technically aren't paying a "fee."

Things to keep in mind when transferring high amounts

Sending large amounts of money with Paysend isn't always straightforward. There are limits, and overall, this service works better for smaller transfers. Consider these points:

• Verification requirements get stricter: Larger amounts often trigger additional identity checks and documentation requests
• Fees add up quickly: Transfer fees and exchange rate markups become more expensive as amounts increase
• Processing times may be longer: High-value transfers often face extra security checks that can delay delivery

Paysend is one way to send money internationally, but it comes with fees and currency exchange markups that aren't always transparent. There are also Paysend transfer limits, which make it better suited for smaller transfers.

🚀 Get started with Wise

Sources

1. Paysend - Home (US version)
2. Paysend - Paysend account terms
3. Paysend - What is Paysend Libre?
4. Paysend - Are there limits for sending a card transfer?
5. Paysend - What fees does Paysend charge?