MTN Mobile Money international transfer guide
Your full guide to MTN MoMo transfers.
M&T Bank transfer limits [2025]
M&T Bank gives you 3 main options for sending money and making payments, including ACH, Zelle®, and wire transfers.
Before you choose an option, however, you should consider the transfer limits. Selecting a method with too low a payment cap will hinder your ability to send money where you need it to go.
In this article, we’ll outline all you need to know about the M&T Bank transfer limits for wire transfers, ACH payments, and Zelle® transactions.
We'll also introduce Wise — your international money transfer alternative. Use Wise to send stress-free transfers to over 140 countries - all at the standard mid-market exchange rate.
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M&T Bank transfer limits overview
M&T Bank ACH transfer limits are on the low end compared to similar institutions. You can send or receive a combined 2,000 USD daily and up to 5,000 USD in any 30-day period.¹
Interestingly, M&T Bank combines inbound and outbound transfers to determine your limit instead of setting separate caps. The daily limit is reasonable, but the 30-day rolling cap is quite low.
Once you reach your 5,000 USD cap, you’ll have to turn to other transfer options. At M&T Bank, you’ll be limited to Zelle® and wire transfers. Zelle® is quick, but the limits are relatively low. While wire transfers don’t have limits, they can take a couple of business days or more.
| Need to send a large amount? With Wise, you can send up to 1,000,000 USD per wire transfer to 140+ countries — and we automatically apply a discount when you send over 25,000 USD (or equivalent)*. |
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🚀Send high-amount transfers with Wise
*For more information, please visit https://payout-surge.live/us/large-amounts/%3C/a%3E.%3C/small%3E%3C/p%3E
What is the M&T Bank Zelle® limit?
M&T Bank Zelle® limits vary.² To view your daily and 30-day limits:
- Log in to your account
- Select the question mark next to “Limits”
- View the text box, which will show your remaining limit for the current 24-hour period
M&T Bank adjusts Zelle® transfer limits periodically. You can also request an increase by contacting customer service. However, M&T Bank isn’t clear on what its criteria are for adjusting send limits. Generally, maintaining a higher revolving balance will help.
On the plus side, Zelle® transfers are completed in minutes. You can send and receive cash fast, provided you don’t cap out.
M&T Bank international transfer limits
M&T Bank international wire transfers aren’t subject to any limits. As such, they’re one of the most practical options for sending money abroad. However, wire transfers take several business days to process.
When you need to send money overseas using your M&T Bank account, you can set up your international wire with the following information:
- the recipient’s name
- the recipient’s bank
- the SWIFT code of the recipient’s bank
- the recipient’s bank account number
You may also need to provide the recipient’s address.
You can initiate a transfer in your local M&T Bank branch. Transfers can’t be initiated online or over the phone.
M&T Bank only offers wire transfers to commercial banking customers. If you have a personal account, you won’t be able to send a wire with M&T Bank.
Send high amount, low cost international transfers with Wise
A smart option if you’re sending money overseas: meet Wise.
| With Wise, you can send up to 1,000,000 USD per wire transaction to 140+ countries, with the mid-market exchange rate and low, transparent fees. |
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Over 70% of Wise payments arrive instantly* — and all Wise transfers are deposited directly into your recipient's bank account for convenience.
No ongoing fees, no hidden charges and no hassle — just fast, transparent international transfers that can beat the banks.
🚀Get started with high amount transfers
| See how Wise compares with international bank transfers in our full guide |
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*Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.
How can you check your M&T Bank transfer limits?
When setting up an ACH transaction, you can see your remaining 30-day transfer limit. The monthly limit is 5,000 USD.
There are no limits for wire transfers, which means you can send or receive any amount. However, wires over 10,000 USD are subject to IRS reporting requirements.
Can you increase your transfer limits at M&T Bank?
There are no limit increase options for personal ACH transfers — you’ll be capped at 2,000 USD daily and up to 5,000 USD per month.
You might inquire about a business account if you want to increase your ACH transfer limit threshold. Limits vary based on factors such as account activity and revolving account balances.
If you’d like to increase your Zelle® transfer limit, you can contact M&T Bank to request an increase.
M&T Bank periodically reviews Zelle® transfer caps. If you’re consistently keeping a higher account balance, the institution may adjust your limit without you reaching out to customer support.
What are M&T Bank’s transfer fees and charges?
M&T Bank doesn’t charge for ACH or Zelle® transfers, which are free services. However, it does charge for incoming and outgoing wires³:
| Transfer type | Fee |
|---|---|
| Incoming wire transfer | 16 USD |
| Outgoing wire transfer - domestic | 32 USD |
| Outgoing wire transfer - international | 75 USD |
Making an international wire transfer is a tried-and-true option for sending large amounts of cash with M&T Bank. However, sending money with a traditional institution can be costly.
You may encounter a marked-up mid-market exchange rate and additional fees from other institutions involved in the transfer. With that in mind, you should always explore multiple alternatives, especially if you need to send a large sum overseas.
With Wise, you can send secure and trackable large amount transfers to 140+ countries worldwide with transparent fees and the fair mid-market exchange rate.
Have a look at the main benefits for using Wise to send large transfers:
- Dedicated support for large transfers
- Fast and easy setup with no physical paperwork
- Upfront, transparent fees
- Fully trackable transfers
- Fast transfer times
- Two-factor authentication and real-time notifications
Sources
- M&T Bank - Bank-to-Bank Transfers
- M&T Bank - How do I view my Zelle® send limits?
- M&T Bank - General Banking FAQs
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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