What is Fidelity's wire transfer limit?

Fidelity's bank-wire limit is $1 million per day, per client, with a $100 minimum for each wire. To wire more than $1 million in one business day, Fidelity says to call its customer service line. EFT (electronic funds transfer) withdrawals on Fidelity.com are capped at $100,000 a day and EFT deposits at $250,000 a day.

How long does a Fidelity wire transfer take?

Fidelity says bank wires submitted before 4 p.m. ET are typically available the same day, and wires submitted after 4 p.m. ET are typically available the following business day.

What is Fidelity's EFT daily limit?

On Fidelity.com the EFT limit is $100,000 per day for withdrawals and $250,000 per day for deposits. There is no limit on the number of EFTs you can submit per business day. Above the daily limit, Fidelity says to call a representative.

Fidelity Wire Transfer Limit 2026: Daily Caps & Fees

Q: Is Fidelity wire transfer free?

Fidelity says it doesn't charge fees to process wire transfers to a bank or other recipient. The receiving bank may charge its own incoming wire fee. Fidelity's page does not state a fee for wires received into your Fidelity account, so ask Fidelity before relying on that being free.

Fidelity’s own transfer page lists a $1 million daily limit for bank wires and no Fidelity fee to process wires. Here are the limits it publishes.

See the Fidelity banking overview for ATM limits and Cash Management Account features.

Fidelity Transfer Limits at a Glance

Transfer Type	Daily Limit	Fidelity fee	Speed
EFT withdrawal	$100,000/day	None	Generally 1–3 business days
EFT deposit	$250,000/day	None	Generally 1–3 business days
Bank wire	$1 million/day per client ($100 minimum)	None to process wires to a bank or other recipient	Typically same day if submitted before 4 p.m. ET

The receiving bank may charge its own incoming wire fee. Fidelity’s page does not state a fee for wires received into a Fidelity account.

Wire Cutoff Time

Fidelity says bank wires submitted before 4 p.m. ET are typically available the same day. Wires submitted after 4 p.m. ET are typically available the following business day. EFT requests entered after 4 p.m. ET do not process until the next business day.

Fidelity EFT vs. Wire Transfer

Feature	EFT	Wire Transfer
Daily limit	$100,000 withdrawals, $250,000 deposits	$1 million
Fidelity fee	None	None to process wires to a bank or other recipient
Speed	Generally 1–3 business days	Typically same day before 4 p.m. ET
Minimum per transfer	$0.01	$100

Fidelity says there is no limit on the number of EFTs you can submit per business day. EFTs run on the ACH network and are not processed on weekends or on NYSE and bank holidays. Bank wires are reviewed and verified by employees at both the sending and receiving firms before they are processed.

To send more than the daily limit, call Fidelity at 1-800-343-3548.

For ATM withdrawal limits and the Fidelity Cash Management Account overview, see the Fidelity ATM limit guide.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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