Transfer and Pay with Wells Fargo Online® (2024)

FAQs

Does Wells Fargo have limit on online transfers? ›

The minimum amount you can send is $25. The maximum daily amount that you can send to all beneficiaries using multiple Wells Fargo ExpressSend Service Agreements is $5,000. The maximum total amount that you can send during any consecutive 30-day period using the Wells Fargo ExpressSend service is $12,500.

Initially the delivery speed is 2 business days for a transfer from your Wells Fargo account to your account at another financial institution, and 3 business days for a transfer from your account at another financial institution to your Wells Fargo account.

Sign on to Wells Fargo Online, go to Transfer & Pay, and enroll in Online Wires to get started. Add your recipient, select funding account and amount (along with any additional details required for certain countries). Review and send your payment.

Wells Fargo does not charge a fee to send or receive money with Zelle^®. *Fees may be waived if funded from an eligible account type. Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle^®.

Funds from an instant payment will typicallyFootnote 1 ¹ update the current available balance in a Wells Fargo customer's account within seconds, 24 hours a day, including weekends and holidays. The sending financial institution will generally determine which instant payment network it will use.

The money leaves your account immediately. It's usually available within 2 hours. For some banks, it can take up to close of business the next working day.

A payee is listed as active once validation is complete. After payee is validated, payments scheduled on a business day by 3:00 pm Pacific Time can be received as soon as the following business day provided you have sufficient funds in your account.

Most domestic transfers are processed on the same day, and international transfers are typically completed within a few days (depends on country). You need to move large amounts of money.

If you're sending a large amount of money, you may want to use a wire transfer at your bank. You'll need the recipient's account and routing numbers. You and the recipient will likely incur fees. Wire transfers take place in less than 24 hours but do not occur on weekends or on bank holidays.

Can I transfer money directly to someone else's bank account? ›

To make a wire transfer, you'll need the recipient's name and address and their bank account and routing numbers. Call, visit or go online with your bank or a trusted wire-transfer company.

ACH. Wells Fargo has one of the most advanced Automated Clearing House (ACH) systems and is the largest originator in the country ¹ , processing more than 7.9 billion ACH transactions annually.

Transfers to established recipients from a Wells Fargo Bank Funding Account may be made up to a daily dollar limit of $3,500 and a 30-day rolling dollar limit of $20,000. Higher limits may apply in certain transactions or if you are using a Funding Account from Wells Fargo Advisors or The Private Bank.

We provide you your daily ATM withdrawal and purchase limits when you receive your Card. You can confirm or manage your card's daily limits by signing on to Wells Fargo Online or the Wells Fargo Mobile^® app, or calling the number on the back of your card.

For your security, we limit how much money you can send digitally. You can review these limits before sending a wire. To send a wire with a higher limit, visit a Wells Fargo branch.

How do I increase or decrease the ATM cash withdrawal and purchase daily dollar limits on my card? To request an increase or decrease your card's daily dollar limits, contact us at the phone number on the back of your card, or talk to a banker at a Wells Fargo branch.