HSBC transfer limits - US guide [2025]

HSBC is a multinational bank with a global presence, and it also serves US customers. If you need to send money using your existing HSBC account or are thinking about opening a new one, you probably want to understand HSBC transfer limits.

Now, there's no straightforward answer to "What are the HSBC payment limits?". The bank lets you transfer money in a few different ways, and each way has different limits. Here's everything you need to know about how much you can send with HSBC.

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.

Learn more 🔎

Table of contents
HSBC transfer limits overview What is HSBC’s daily transfer limit? HSBC international transfer limits How can you check your HSBC transfer limits? Can you increase your transfer limits at HSBC? What are HSBC's transfer fees and charges? How do I transfer a large amount with HSBC? Things to keep in mind when transferring high amounts

HSBC transfer limits overview

With HSBC, you have access to a few different ways to send money. Most of them are for domestic transfers within the US, but withwire transfers and HSBC Global Transfers, you can also send funds to international bank accounts.

Here are your HSBC online banking options at a glance:

• Wire transfers: Send money domestically or internationally through the banking network
• Real-Time Payments: Send money instantly to other US banks
• Global Transfers: Move money between your own HSBC accounts in different countries
• Bill Pay: Pay your bills directly from your account
• Bank to Bank Transfer: Move money between your HSBC account and accounts at other US banks or credit unions
• Zelle®: Send money to friends and family using their email or phone number

On HSBC's website, it's unclear what the HSBC wire transfer limit is. However, that's the type of transfer that usually allows you to send the largest amount of money. Here's what you can expect:

Transfer method	HSBC transfer limit
Wire transfer	Varies
Real-Time Payments¹	2,500 USD per transaction 5,000 USD daily
Global Transfers²	200,000 USD per day between your global accounts
Bill Pay	Varies
Bank to Bank Transfer³	10 USD minimum 50,000 USD daily maximum
Zelle®⁴	500 USD daily 3,000 USD per 30 days

Wire transfers are usually a good option for sending large payments from your personal accounts, like for buying a house or needing to get a hefty amount of money to your family.

However, other options can also come in handy depending on your needs.

For example, the HSBC global transfer limit is pretty high — 200,000 USD per day — but you can only send money to your own global accounts.² If you need something simple, like making bill payments within the US, Bill Pay will do the trick.

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.

🚀 Get started with Wise

What is HSBC’s daily transfer limit?

Your daily transfer limit depends on which method you use:

• Zelle®: 500 USD per day⁴
• Real-Time Payments: 5,000 USD per day¹
• Bank to Bank Transfers: 50,000 USD per day³
• Global Transfers: 200,000 USD per day²

Wire transfers don't list an HSBC daily transfer limit, which usually means that the bank will work with you on larger amounts, but you may need to call or visit a branch to arrange for particularly big transfers.

HSBC international transfer limits

When you need to send money outside of the US, you have 2 main options with HSBC.

International wire transfers let you send money to anyone worldwide, and Global Transfers work for sending money to your HSBC accounts in other countries.

Wire transfers don't publish exact international limits, but HSBC can likely handle big amounts since it's a large multinational bank. Global money transfers let you move up to 200,000 USD daily, but only between your own global money accounts.²

You may want to open your HSBC mobile banking app and try setting up a transfer. This should give you a good idea of the maximum amount you can send, and you can also get in touch with HSBC to learn how to raise your limits.

Learn more about sending an international transfer with HSBC.

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.

Over 50% 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

*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 HSBC transfer limits?

The easiest way to find out your limits is by trying to send a transfer. The system will show you the maximum amount you can send before you complete the transaction.

If you want to know your limits ahead of time, you can contact HSBC directly, but for most people, the standard limits listed above will apply to your account.

Can you increase your transfer limits at HSBC?

Yes, you might be able to get higher limits, but you'll need to call HSBC or visit a branch in person.

The bank will look at a few different factors, such as how long you've been a customer, your account balance, your transfer history, and your overall relationship with the bank.

They may also ask why you need to send a large transfer and request extra paperwork to verify that your funds are legitimate.

What are HSBC's transfer fees and charges?

Many of HSBC's transfer options don't charge fees, but international transfers will include currency exchange markups when you're switching between different currencies.⁵ For example, it'll cost you to switch from USD to EUR or MXN.

Here's a quick overview:

Transfer method	Fee
Wire transfer⁵	No fee, but there’s a currency exchange rate markup
Real-Time Payments¹	No fee
Global Transfers²	No fee from US accounts; may have charges from non-US HSBC accounts
Bill Pay⁶	No fee
Bank to Bank Transfer³	No fee
Zelle®⁴	No fee

Currency exchange rate markup means that HSBC adds a small percentage to the mid-market rate you may see online when you check how much foreign currency you’ll get for your USD.

For example, if the mid-market rate is 1 USD = 20 MXN, HSBC might give you 19.5 MXN for every USD. On a large transfer, you can lose quite a lot of money on this exchange because small markups add up.

How do I transfer a large amount with HSBC?

For large transfers, sending a wire is usually your best option. This is true for both domestic and international money transfers. For exceptionally large amounts, you may need to do your transfer in person or submit additional documents for verification.

However, with domestic transfers within the US with HSBC, you have other options, depending on how large your amount is. If you're sending money domestically to your own account and need less than 50,000 USD, a Bank to Bank Transfer could work.³

Things to keep in mind when transferring high amounts

Sometimes, sending a large amount of money can get complicated. Here are a few things to keep in mind:

• Currency exchange markup costs more for larger amounts, as it naturally adds up
• Consider contacting HSBC before making large online transfers to avoid account restrictions
• You may need extra documents to verify your identity and the transfer purpose

Overall, HSBC transfer limits are relatively high, but it's unclear how much you can send with a wire. If you already have a specific amount in mind, consider getting in touch with HSBC and asking them if it's permissible.

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

🚀 Get started with Wise

Sources

1. HSBC - Real-time transfers & payments
2. HSBC - Global transfers
3. HSBC - Global transfers
4. HSBC - Bank to Bank Transfers
5. HSBC - Zelle® Frequently asked questions
6. HSBC - Online wire transfers
7. HSBC - Bill Pay

Sources checked 08/14/2025