Halifax large transfers and transfer limits in 2025

Sending a large payment? Perhaps you’re buying a home, having major building work done or you have inheritance funds to transfer between accounts.

Whatever your situation, you’ll need to know how to transfer large sums securely and conveniently in the UK - without racking up huge fees.

In this guide, we’ll be looking at how to transfer large amounts of money with Halifax. This includes fees, limits, transfer times, security and more.

If you’re looking for a reliable and cost-effective way to transfer large sums internationally, consider the money services provider Wise. With low, transparent fees*, great mid-market exchange rates, and secure, trackable transfers, Wise makes international money transfers simple and stress-free.

Plus, you’ll get dedicated support and volume discounts when sending large amounts.

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Can you send large transfers with Halifax?

Yes, Halifax lets you transfer large amounts using both personal and business current accounts.

There are a few different options available, starting with Faster Payments. This lets you send up to £25,000 online or by phone, or up to £250,000 in branch if you bring valid photo ID along with you.¹

Faster Payments is what most UK banks use to send payments between UK accounts, and it does what it says on the tin - with most payments arriving instantly.

If you need to send a larger payment than this, you can use CHAPS. This stands for Clearing House Automated Payment System, and it’s specially designed for making fast, secure large transfers. It doesn’t usually have any minimum or maximum limits on how much you can send.

UK banks and building societies usually have a fee for CHAPS payments, and with Halifax they can only be set up in branch.²

Halifax also lets you use online banking to make international payments of large amounts up to £100,000,³ but these may also involve some money transfer fees.

Halifax transfer limits

Let's take a look at each of the transfer methods available with Halifax and the sending limit for each:

It’s unlikely that you’ll be able to increase these limits. But if you visit a Halifax branch, you’ll usually be able to send as much as you want - a staff member will help you choose the most appropriate method for your payment and guide you through the process.

What’s the maximum amount you can send with Halifax?

The maximum you can send with Halifax per day is £250,000, if you visit a branch with photo ID.¹

If you need to send more than this, you can use CHAPS for an extra fee.

It’s also worth noting that there’s no maximum limit on international payments if you set it up in a Halifax branch.

Can you send multiple large transfers per day?

You can send multiple large payments per day with Halifax, but you won’t be able to exceed your daily sending limit.

How to transfer large amounts with Halifax: Step-by-step process

If you already have an account with Halifax, it’s pretty straightforward to set up your first transfer - even if it is a large sum you’re sending.

To send a large payment with Halifax using Faster Payments, the easiest option is to use online or mobile banking.

Here are the recipient details and other info you’ll need to have ready:

• The recipient’s name as it appears on their bank account
• Their bank account number and sort code
• The type of account (personal or business)

You’ll need additional details if you’re sending money abroad:

• The name, account number and address of the person or company you’re paying
• The recipient’s International Bank Account Number (IBAN)
• The SWIFT/BIC code for their bank

To set up your transfer, follow these steps:

1. Login to online or mobile banking
2. Select ‘Payments and transfers’ - or ‘Payments’ if using the app
3. Select ‘Pay someone new’ and enter their account details, or choose a recipient from the list
4. Enter the amount you want to send
5. Add a reference (optional)
6. Complete the security verification steps - this may be a phone call where you need to enter an on-screen code into your phone
7. Check the details and confirm.

To send money abroad, you’ll follow the steps above, but you’ll also need to select the country you’re sending to and the currency.

If you prefer, you can also visit a branch of Halifax in person to send your payment. This can be best for sending payments above your daily online sending limit, or for sending CHAPS payments.

Just remember that you’ll need to take ID documents along with you, and that there may be additional fees for in-branch services (such as for sending a CHAPS payment, for example).

Is Halifax safe for large transfers?

Halifax is a fully licenced UK bank and is strictly regulated.

In order to be compliant, Halifax and other licensed UK banks are required to use sophisticated security measures to protect customers’ data, money, accounts and transfers.

This includes protections such as:

• 24/7 anti-fraud protection and monitoring
• Strong Customer Authentication to safeguard your account (i.e. texting you a passcode when you login to online banking)
• Data encryption
• Biometric authentication to login to the Halifax app
• Timed logout when using digital banking.

How long do large transfers take with Halifax?

Here’s an overview of average transfer times with Halifax:

Halifax large amount transfer fees and costs

Now we come to the all-important question of how much Halifax large transfers cost. Here are the main fees and charges you need to know about.

When sending an international transfer with Halifax, you’ll also need to check the exchange rate - as well as the upfront fee.

Halifax uses its own standard exchange rate for converting currency, and this will include a margin which varies depending on how much you send. You’ll be able to check this rate and the margin before you send, or by using Halifax’s margin calculator.

The more you send, the smaller the margin will be. It ranges from 3.55% for transfers up to £10,000 to 1.5% for transfers of £250,000+.³

Wise – A low-cost alternative to bank transfers

Looking for a secure, convenient and low-cost way to send large sums of money internationally? Take a look at the Wise account from the money services provider Wise. It's not a bank account but offers some similar features and your money is safeguarded.

With Wise, you can send large amount transfers worldwide to 140+ countries in 40+ currencies for low, transparent fees* and mid-market exchange rates with no markup.

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**Investments in funds are never guaranteed and your capital can be at risk. In the UK, Interest and Stocks are provided by Wise Assets — this is the trading name of Wise Assets UK Ltd, a subsidiary of Wise. Wise Assets UK Ltd is authorised as an investment firm and regulated by the Financial Conduct Authority (FCA). Our FCA number is 839689. We do not give investment advice, and you may be subject to pay tax. If you're not sure, seek qualified advice. You can find more information about the funds on our website.

Sources used:

Sources last checked on date: 19-Oct-2025