How much money can you transfer online? Transfer limits in the UK

From managing a house deposit to sending a gift to family in Australia, moving your money shouldn't feel like a challenge. Knowing how much money can you transfer online helps you plan your finances without the stress of unexpected hurdles.

At Revolut, we provide high limits and clear processes to make your large money transfers as smooth as possible.

Discover our online money transfer options or read below for more details on how much you can send online and abroad from the UK.

Exchange and global transfer fees, fair usage limits, and T&Cs apply.

The information provided is accurate as of 2 February 2026.

The content of this page is for general information purposes only and doesn't constitute financial advice. If you've any questions about your personal circumstances, please seek professional and independent advice. We aren't a financial adviser.

How much can you transfer online in the UK?

Here’s the essential info for your money transfer limits:

• According to Pay.UK, UK providers usually cap online transfers between £20,000–50,000 per day.
• The Faster Payments System handles most UK transfers up to a million pounds, though individual providers may set lower limits for security.
• CHAPS is used for very high-value payments (like property) with no upper limit, though this typically requires a fee and a branch visit.
• Revolut doesn't have a fixed maximum transfer limit for most currencies. Large transfers may be subject to additional security checks to keep your money safe.
• There are no legal limits on how much money you can send abroad from the UK, but your provider’s daily online limit will still apply.

What are the online money transfer limits?

Payment limits are used by financial institutions to control the amount of money leaving your account. These rules are in place to reduce the risk of money going to scammers or being sent to the wrong account by mistake.

The amount you can send depends on the payment system your provider uses. In the UK, most online transfers go through Faster Payments, while larger payments often use CHAPS.

What's the limit for online transfers to the UK? Faster Payments System (FPS) limits

The FPS, which is used to transfer money instantly within the UK, has a limit of a million pounds.

FPS is the standard way to send money online between UK accounts. The system can handle up to £1 million per transaction. However, individual providers may set lower daily limits to manage their money and protect you from fraud.

According to Pay.UK data, the specific limit for your account is entirely up to your provider. Most providers choose to cap this between £20,000–50,000 for standard personal accounts.

At Revolut, we usually don’t have limits for money transfers in most currencies, though additional checks may be required to keep your money safe.

Unlimited transfers with CHAPS

CHAPS stands for the Clearing House Automated Payment System. It’s mainly used for very high-value payments, such as buying a home. There's no legal limit on the amount you can send via CHAPS, but it's rarely available online.

You may be required to visit a branch or use a specific phone banking service to set these types of payments up. Unlike Faster Payments, CHAPS also comes with a fee, which is often around £20–35 per transfer.

How much money can you transfer abroad from the UK?

There are no legal restrictions on the total amount you can move out of the country. However, your provider's limit will still apply.

Most providers use the same daily cap for international transfers as they do for domestic ones. If you want to send and receive money globally, you should also be aware of the exchange rates and any wire fees.

Here's a breakdown on international transfers from the UK:

• Most UK providers have a £25,000–50,000 limit per day.
• While there are no transfer limits at Revolut, we may need to do a manual check to be sure your money's safe.
• You may need to provide proof of where the money came from to follow anti-money laundering rules.
• If your transfer travels through the SWIFT network, intermediary institution fees may apply. We avoid the SWIFT network when possible, as we prefer to rely on our local payment networks.

For a more flexible experience for your important global payments, you can use our international transfer service which offers competitive rates and clarity on fees. Note that for high-value transfers, exchange rates may vary before settlement.

Fair usage limits and weekend fees may apply, depending on your plan.

Factors that affect your transfer limit

Your provider doesn't just pick a number at random. Several factors influence how much money you can move in a single day:

• Student or youth accounts may have lower limits (e.g. £30-500) than adult personal or premier accounts.
• Financial institutions use limits to reduce the effects of potential fraud. If someone gains access to your account, a daily limit prevents them from draining your entire balance instantly.
• Newer accounts may have lower limits until the provider is confident in your identity and your spending habits.

How much can you send online with Revolut?

We want you to have control over your money. We don't have a one-size-fits-all maximum limit for most transfers. This makes us a strong option when you're aiming to send large amounts without hitting a wall.

We use clever real-time security systems instead of fixed caps. If you're sending an unusually large amount, we might ask for 2 or 3 extra details to ensure it's really you making the payment. This helps us support high-value payments while keeping your money safe. Learn more about how we protect your money.

Our fees are also easy to understand. We show you applicable fees before you confirm your transfer. This ensures there's no confusion about how much is going to arrive on the other side.

How to send large amounts with confidence

When you're transferring large amounts, security is the most important thing to think about. Here are the 4 steps you should always take:

• A single wrong digit in an IBAN or account number can cause big delays.
• Scammers often try to pressure people into making large, urgent transfers. Always check the request via a separate, trusted channel. Learn more about fraud and scams.
• For international transfers, even a small difference in the rate can mean hundreds of pounds on a large payment. Compare exchange rates before sending.
• Ensure you're using the latest version of your app to get the most recent security updates.

How to start sending money online with Revolut

Ready to sign up and experience a more flexible way to manage large transfers? Get started with these simple steps:

1. Download the app, sign up, and verify your identity in just a few minutes
2. Add money to your new account via bank transfer or debit card
3. Go to Payments, click + Add new, and enter your recipient's details
4. Review the details, possible exchange rate and applicable fees, and tap Send