How to send large money transfers with Wise [2026 Guide]

Wise is trusted by over 12 million million individual and business customers globally, to move money around the world securely, with low fees and the mid-market exchange rate. Sending a high value transfer can be worrying – but with Wise you can rest assured that your money is safe, and you may even qualify for an automatic discount on fees for sending large money transfers.

So – whether you need to make a large transfer for a one off purchase like a downpayment on a new property, to move an international inheritance or to invest, or you’re looking for high value business transfers, Wise can help. This guide covers all you need to know about sending large value money transfers with Wise including fees, features, speed and safety.

🔎About Wise money transfers

Wise supports high amount transfers for personal and business customers. Wise payments have low, transparent fees, and use the mid-market exchange rate. Transfers are fast and safe, and you can pick from multiple payment methods to process your payment in the way that suits you best.

Wise has high transfer limits, usually around the equivalent of 1 million GBP (2.1 million NZD or so). Wise limits vary based on the currency you’re sending to and from, and also the payment method you choose.

You’ll see the limit that applies to your specific currency when you start to set up the payment, and can easily get in touch with the Wise high value transfers team if you have questions.

Is Wise safe for large amounts? ⚠️

Yes, Wise is safe for high value transfers for individual and business customers. The platform features bank-level security infrastructure backed by advanced machine learning and 24/7 anti-fraud teams to keep your money secure.

From the moment your funds arrive, they are shielded through a strict process called safeguarding. Your money is kept entirely separate from Wise’s operational cash and is held securely with major institutions like Barclays and JP Morgan Chase.

Your account and card are also safeguarded by several top-level security measures:

• Two-step authentication: Verifies your identity from account creation to high-value payments.
• Biometrics and encryption: Uses your phone’s built-in technology for fingerprint or facial recognition.
• Customisable controls: Lets you hide your balances and manage location permissions.
• Card controls: Allows you to generate unique digital cards for safe online shopping or freeze your physical card instantly in the app if it’s ever stolen or misplaced.

How to transfer large amount of money with Wise

Sending transfers with Wise is easy, and can be done on the Wise website or via the Wise mobile app. You’ll need to make sure you’ve got any documents that may be required for verification handy in advance, but getting everything started can be done in just a few steps.

Here is how to send large amounts of money with Wise:

1. Log into your Wise account, tap Send money and enter how much you want to transfer, or how much you need the recipient to get
2. Confirm the way you’ll pay, and review the fees and exchange rates offered – any relevant discount will be automatically included in the quote generated
3. Enter the recipient’s personal and banking details – check them carefully
4. Fund your payment using one of the listed options – usually bank transfer, POLi, card or with your existing Wise balance
5. Confirm and your payment will get started – you can track the transfer in the Wise app, and you’ll hear from the Wise team directly if documents are needed to move your money

Sending a high value payment can be stressful. There are a few things you can do to make sure everything goes as smoothly as possible:

• Check if your own bank has payment limits which may stop you from funding the Wise transfer

• Check if the recipient’s bank has any limits which may stop the payment being received
• Check the Wise transfer limits for the specific currency you need – you may need to send your money in more than one transfer if it exceeds the limit

Have your documents handy so you can easily photograph and upload them if the Wise team ask for verification paperwork

📂 Required documents for sending large transfers

The documents needed for sending a high value payment with Wise can vary based on the reason you need to send the money, or where it came from in the first place.

Usually banks, financial service providers and specialist money transfer services like Wise are legally required to check the funds being sent have not been obtained illegally. That means demonstrating the source of the funds before it can be sent.

If you’re not sure what’s needed there’s a handy dynamic feature on the Wise landing page, showing which documents are required for the transfer based on where the money came from. Here are a few examples, of common reasons why you may need to send a high value payment:

The paperwork needed depends on the scenario, as you can see – so if you’re sending money from a property sale you may be asked for the sales contract or settlement statement, showing the property details. On the other hand, if you’re sending money from an inheritance you may provide something like a grant of probate or will showing the name of the person leaving you money and your relationship with them.

The Wise large value transfer team can help you work out what you need if you’re not completely sure of the paperwork that will apply based on your situation.

Wise large transfer fees

Wise gets cheaper for higher value transfers, as the variable fee is automatically reduced the more you send. In this context, high value transfers are usually over the equivalent of around 20,000 GBP (about 45,000 NZD at the time of writing) as a one off payment, or per month.

Wise discount for large transfers 🏦

Because this is a percentage discount, the absolute amount saved can rack up quickly when you’re sending high value payments. Let’s look at a couple of examples for sending high value transfers, including the fees and rates available.

*Correct at time of writing – 14th June 2026

Exchange rates for large transfers

The Wise exchange rate is the same as the mid-market rate, with no markup added and no hidden fees. All the costs you pay are split out for transparency and to make them easy to check and compare.

This can mean that the rate you get is better than that offered by a provider which uses an exchange rate markup. And since the amounts being sent are high, even the small differences in exchange rates can create big differences in the amount you get in the end.

Wise transfer limits

Wise transfer limits vary based on the sending currency – but the amount you can send is usually around the equivalent of 1 million GBP. In some currencies, sending the money from a balance you already hold in your Wise account allows you to send a larger amount.

Here’s a quick look at the standard limits for sending some major currencies with Wise:

Wise transfer limits can also vary based on payment methods. Sending the payment from a Wise account balance may allow you to send a higher amount. You’ll see this in the app when you set up your payment if it’s the case for your particular currency.

*Information correct at time of writing – 14th June 2026

How long does Wise take to transfer money?

The time it takes for a Wise high value transfer to be processed can vary depending on the details of the payment, the value, currency and how you pay. Because there are often additional checks including manual checks which need to be completed to process high value transfers safely and legally, the payment may take a short while to process.

You’ll see an estimate of the delivery time in the app when you set up your payment, you can track the transfer while it’s on the way, and you’ll be able to reach out to the Wise team if you need extra help along the way.

Wise payment methods for high amount transfers

Wise has different payment methods for transfers. From New Zealand you can select to pay by:

• Bank transfer or POLi – often one of the cheaper options, but this may take a day or two to arrive with Wise
• Debit/credit card – usually a very fast option but the fees may be higher compared to a bank transfer
• Wise Account balance – very fast to get moving, often with low fees

Wise customer support for high amount transfers 🗣️

The easiest way to get in touch with Wise is to log into your account on the Wise app and start an in-app chat 💬.

You’ll be able to speak to someone 24/7, and if you need a phone number to escalate your question you’ll be able to find that here too 📞. Wise has a specific high value transfer customer support team who will reach out to you if you need support at any stage of the process 🧑‍💻 .

💼 Large amount business payments

Businesses naturally tend to move much larger volumes of money than individual customers. Managing global operations often requires handling high-value transactions like supplier invoices or international payroll. Setting up a Wise Business account helps make international business transactions more convenient by allowing you to send, receive, and manage corporate funds globally.

After a single, one-off 40 NZD setup fee, your company gains access to local account details in 8+ currencies, alongside SWIFT details for 20+ currencies. Your business can receive payments from overseas clients like a local company, avoiding international receiving friction. You can hold these balances directly in your multi-currency account or convert them to your local currency using the mid-market exchange rate whenever it fits your cash flow strategy.

Completing a high-value currency conversion is designed to be convenient, fast, and low-cost. If your company needs to convert a large balance of British Pounds to pay a United States vendor in USD, here’s what you need to do:

• Initiate the transfer: From your main dashboard home screen, select Send.
• Choose your recipient: Choose the person or entity you want to pay. You can search your existing contacts, enter new bank details, or tap the plus (+) icon in the app to input a new recipient.
• Enter the payment amount: Select your GBP balance and enter the amount of USD your vendor needs.
• Select a payment method: Choose how you would like to fund the transfer, such as using an existing multi-currency balance or processing a bank transfer.
• Check the fees: Review the upfront fee and the live mid-market exchange rate.
• Send the payout: Confirm the transfer to route the USD to your supplier, with automatic discounts applying if you send over 20,000 GBP or currency equivalent a month.

Required documents for large business payments

Wise requires verification documentation for high-value business transfers to comply with financial regulations and verify the legitimate source of company funds. The specific paperwork varies depending on how your business generated or acquired the capital.

The table below outlines common examples of the information and documentation Wise may request for your business transfer:

How to track your large transfer with Wise

Once your payment is moving, you can monitor its progress directly through your Wise account. Log into the app or website, locate the transaction under your activity feed, and select it to view the live tracking page.

When sending high-value payments, keep in mind that it can take up to two working days for Wise to clear the funds. Timelines rely on your chosen payment method and the processing schedules of your own bank. As soon as payment has been received, Wise will process it as soon as possible for deposit to your recipient’s account.

If you have any questions while your transaction is processing, you can open an in-app chat to connect with customer service teams for assistance at any stage 24/7.

Conclusion: Transferring large sums of money with Wise 🎯

Wise is safe to use for high value payments, for yourself or your business. Wise transfer limits are set high, although they do vary by currency. You’ll get the mid-market exchange rate to convert your currency, and high value transfers may even qualify for a discount on the Wise variable fee which applies.

Before you send your Wise high value transfer you’ll need to make sure you have the documents required for legal verification processes – but after that the transfer is fairly easy to set up, and you’ll be able to track your money every step of the way once it’s moving.

Wise large transfers FAQs

Does Wise have a transfer limit?

Wise has a transfer limit which varies by currency. In some cases, the payment method also matters. If you run into a Wise transfer limit when you set up your payment, you’ll see a message on the screen letting you know. You can then split your payment into several smaller transfers if you need to.

What is the maximum you can transfer with Wise?

The Wise limit is set based on the currency being sent and received. If you’re sending from NZD you can send up to 2.2 million NZD by bank transfer. Card payments are capped at 3,000 NZD. Other limits apply based on the currency being received – these vary but you’ll be notified if you hit any limit when you set up your payment.

How to increase Wise transfer limit?

If you’re trying to send a transfer that’s higher than the Wise transfer limit for that payment you might be able to make several smaller transfers, or choose a different way to pay if higher limits apply for different payment types. If you’re ever stuck the Wise high value transfer team can help advise you – just open an in-app chat to get the help you need.

Useful resources

*Correct at time of writing – 14th June 2026

• Wise Card Spending Limits – Wise card spending limits and ATM withdrawal descriptions
• Wise Tips for Getting Started with Large Transfers – Tips for sending high-value transfers with Wise
• Wise NZD Transfer Guide – Guide to NZD transfers and local payment methods
• Wise Safety and Security – Wise account safety and data security descriptions
• Wise Business Card Limits – Wise business account spending and team member card limits

Claire Millard

Author

Claire Millard

Fintech copy and content writer

Claire Millard is a content and copywriter with a specialty in international finance. Her work has featured in The Times and The Telegraph, as well as industry magazines and leading personal finance blogs.

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Ileana Ionescu

Reviewer

Ileana Ionescu

Content manager

With a background in business journalism, Ileana is an experienced content manager, creating content for Exiap that helps its audience make informed decisions about their finances.

Read more

Last updated

June 26th, 2026