Guide to sending large payments with Wise Business, including transfer limits

Need to send a large business payment? You may be paying an invoice, placing a large order with an overseas supplier or perhaps putting down a rental deposit on new office space.

In any case, you’ll need to find the safest, fastest and most cost-effective way to make your transfer.

In this guide, we’ll take a look at how large payments work with Wise Business here in the UK. This includes how to set up a transfer, average transfer times, security considerations and fees.

We’ll also look at why Wise Business is ideal for large international payments, offering low fees and mid-market exchange rates. So if you do business across borders, this could be the account for you.

💡 Learn more about Wise Business

Can you use Wise Business for large transfers?

Yes, Wise offers a dedicated large transfer service for both business and personal customers.

You can set up and manage Wise Business large payments online, although you can also get extra prioritised support from the provider via email or phone. This can be useful if it’s your first time making a particularly large transfer and extra documents or details are needed for verification.

Most major currencies are included, and you can track your transfer online or via the handy Wise app.

Get expert support for your large transfer 📞

Is Wise Business safe for large payments?

When sending a very large sum, security is a crucial consideration. The good news is that Wise Business is completely safe for large payments.

Wise provides sophisticated security measures to protect your account and your transfers.

This includes 2-step authentication for login access, protecting your account with verification via text message, fingerprint or facial recognition. Wise has dedicated anti-fraud and support teams, including a specialist team managing large transfers.

It also safeguards customer money by holding it in dedicated bank accounts or high quality liquid assets - these are separate from Wise’s own funds. Read more about this here.

So, you can feel confident that using Wise Business for large transfers is a safe choice.

However, it’s always wise to take sensible precautionary steps when sending a large sum. These include:

• Double-checking the recipient’s bank details.
• Avoiding sending money to people or companies you don’t know - or haven’t verified for authenticity.
• Never feeling pressured into sending a payment - as it could be a scam.
• Avoiding sharing your online or mobile banking details with anyone.

How to make a large payment with Wise Business

To send any amount of money with Wise Business, you’ll need to have the recipient’s details to hand. Here’s what you’ll need:

• The recipient’s name or business name as it appears on their bank account
• Their bank account number and sort code
• The type of account (i.e. a business account)
• The International Bank Account Number (IBAN) - for international transfers
• The SWIFT/BIC code for their bank - for international transfers.

You can set up the payment easily online. Simply follow these steps:

1. Sign into your Wise Business account (it will need to be verified before you can send money)
2. Select the currency you want to send
3. Enter the amount
4. Enter your recipient’s details
5. Check the fee, exchange rate and transfer time
6. Choose how to pay - from your bank account, card or a currency in your Wise Business account
7. Check the details and confirm.

If you’re sending money to another Wise account holder, you can simply enter their @Wisetag, email or phone number - instead of entering details.

For very large transfers, you may want to contact the Wise Business large transfers team for extra support. You may also be asked for additional verification documents, including business bank statements or other documents showing the source of the funds.

How long do large transfers take with Wise Business?

If your payment is particularly time-sensitive, you’ll need to know roughly how long it’ll take to arrive.

Here are the average Wise Business large transfer times you need to know about:

* Read more at: https://payout-surge.live/help/articles/2571907/what-currencies-can-i-send-to-and-from%3C/a%3E and https://payout-surge.live/help/articles/2977951/why-is-my-transfer-taking-longer-than-the-estimate%3C/a%3E

What's the Wise Business maximum transfer limit?

You’ll also need to know how much you can send with Wise Business.

Wise Business transfer limits vary depending on what currency you’re sending - you can check them all here.

But to give you an idea, here are the maximum transfer limits for popular currencies on the platform:

All info sourced from: https://payout-surge.live/help/articles/2571907/what-currencies-can-i-send-to-and-from%3C/a%3E

💡 Find out more about Wise Business cardholder limits here.

What are the Wise Business fees for large transfers?

Now for the all-important question - how much does it cost to use Wise Business for large transfers?

The first useful thing to know is that Wise Business actually offers a discount for large transfers. If you’re sending over £20,000 (or the currency equivalent), you’ll receive a volume discount on everything you send above that.

To give you an idea of the actual cost, here are the Wise Business large transfer fees for sending £100,000 to popular currencies:

*Fees correct as of 12.01.26

It’s also useful to know that Wise Business uses the mid-market exchange rate for all currency conversions. This means that more of your money makes it to your recipient, and the transfer costs you less overall.

Why use Wise Business for your next large transfer?

There are lots of reasons why Wise Business is used by a growing number of startups and established companies in the UK.

For starters, it’s ideal for large transfers, whether in the UK or worldwide - making it the perfect choice for globally trading businesses.

Fees are low and transparent, with discounts for sending large amounts. The more you send, the more you save. What’s more, you’re guaranteed the mid-market exchange rate on all currency conversions, which could save you a considerable sum on large transfers compared to using a bank.

With Wise Business, large transfers are protected by sophisticated security and anti-fraud measures, with your money safeguarded.

More about Wise Business features:

• No monthly fees
• Open an account for free (for send only, suitable for large transfers)
• Connect seamlessly to your accounting software
• Designed to manage 40+ currencies all in one place
• Receive payments like a local with major currency account details - only with Wise Business Advanced for a one-time fee of £50 (Advanced plan) or for free (Essentials plan)
• Automate payouts with the powerful Wise Business API.
• Make your money work harder, with Wise Interest (capital at risk)

Register with Wise Business🚀

*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QuickPay QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.