How Do I Send a Wire from My Capital One Account?

If you need to quickly send money from your Capital One account to an account at a different bank, it's best to send a wire transfer. It's the fastest way to send money between banks, although it does come with high fees. You can easily send a wire transfer online. You will need different kinds of information to send it depending on the recipient of the transfer.

If you have a Capital One account and want to transfer money as quickly as possible to another bank, the fastest way to do it is by wire transfer. To learn how to send a wire transfer from your Capital One account, keep reading this article.

Wire Transfer Basics

A wire transfer is a transfer of money directly from one bank to another, sent electronically. It doesn't go through a clearinghouse, so it's the fastest way to move money from one bank to another. If you're transferring funds to another bank in America and start the transfer before 2:00 p.m. EST, your wire should get there on the same day. If you send it later than 2, it will arrive on the next day. If you're transferring the funds to a bank in a different country, it will take multiple days.

However, because wire transfers don't go through a clearinghouse, they can't take advantage of a clearinghouse's savings. So they are also rather expensive. They're best for situations where speed is critical, especially when the transfer amount is large.

How to Send a Wire Transfer from Your Capital One Account

To send a wire transfer, follow these instructions:

  1. Go to the Capital One home page.
  2. Sign in.
  3. Select the account you want to use to send the funds.
  4. Click on Account Services & Settings.
  5. Click on Wire Money.
  6. Enter the required information for the recipient.
  7. Submit the form.

If you are wiring the money to an external, linked account, all you need to enter is the account holder's name and the routing number for the account's bank. If you are sending it to a person or a company, you will need to enter the recipient's name, address, recipient's bank's name and address, recipient's bank's routing number, and the recipient's account number.

You will have to pay a $30 fee for the transfer. If your recipient has a high-yield checking account, essential checking account, or essential savings account, they will need to pay a $15 to receive the transfer. Otherwise, they will not need to pay a fee to receive it.

Contacting Capital One

If you have questions about sending the wire transfer, contact a Capital One customer service representative to ask them. You can find one on the help forum or by calling.


Why Did GetHuman Write "How Do I Send a Wire from My Capital One Account?"?

After thousands of Capital One customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Send a Wire from My Capital One Account? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Capital One if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Capital One Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Capital One in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Send a Wire from My Capital One Account? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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