Nationwide Large Transfers 2025 Guide: the How-to, Limits & Fees 2025
If you plan on making a high value payment from your Nationwide account, you’ll need to know the Nationwide transfer limit that applies. The Nationwide bank transfer limit might vary depending on the type of payment you’re making - fees may also apply, including transfer costs and an exchange rate markup.
This guide covers all there is to know about Nationwide payment limits - plus we’ll touch on some alternative providers with high or no outgoing payment limits, like Wise and OFX.
Quick summary: Nationwide transfer limits 💡
For UK transfers you can send up to 100,000 GBP a day, with per payment limits often set at 25,000 GBP
There’s no Nationwide maximum transfer on international payments
Nationwide international payments outside of the EEA have a 15 GBP transfer fee and an exchange rate markup of 2.2%
International transfers with Nationwide are likely to take 1 day for EUR transfers in the EEA, and 4 days or more for non-EEA transfers
You may find you can get faster transfers with lower overall costs from alternative providers like Wise and OFX
🔑 Key points: | |
|---|---|
☀️ Nationwide daily transfer limit | No limit to international payments UK payments capped at 100,000 GBP daily |
💻 Nationwide online transfer limit | No limit to international payments UK payments capped at 100,000 GBP daily |
⬇️ Nationwide receiving limit | Not specified - there’s not usually a limit on the value of payments you can receive to Nationwide |
*Details correct at time of research - 2nd October 2025
Nationwide large transfers pros | Nationwide large transfers cons |
|---|---|
✅ No limit on international payments ✅ Send your payment online or in a branch ✅ Transfer and currency conversion fees are transparent ✅ Convenient and familiar service | ❌ Fees apply on non euro payments and transfers outside of the EEA ❌SWIFT transfers take 4 days or more ❌ Limits apply on UK based payments which vary depending on the payee |
Can you send high value international transfers with Nationwide?
Yes. You can usually send a payment from Nationwide current accounts. You can only send a payment from a Nationwide savings account in certain circumstances.
The Nationwide transfer limit varies depending on the payment type - fees can also apply which depend on the payment details.
Generally there’s no limit on payments outside of the UK, but there are limits on transfers within the UK which may vary depending on the transfer type and who you’re paying.
Nationwide high amount transfer fees 💰
Here are the Nationwide high amount transfer fees for sending payments abroad:
Payment type | Nationwide high amount transfer fees |
|---|---|
Payments to European countries in Euros | No fee |
Payments to EEA countries in Sterling | 15 GBP |
Payments in the EEA/UK not in an EEA currency | 15 GBP |
Payments in any currency outside the EEA | 15 GBP |
*Details correct at time of research - 2nd October 2025
Nationwide exchange rate for international transfers
When you send a payment overseas with Nationwide, your money is converted by a third party provider. This exchange rate is updated regularly throughout the day and includes a 2.2% fee.
It’s important to look carefully at the exchange rate used when you send a payment overseas. Where exchange rates include a fee, this can add up very quickly on higher value payments. The costs you pay in the exchange rate may far exceed the 15 GBP transfer fee you’re charged,
Not all providers use an exchange rate markup. Some, like Wise, offer the mid-market rate with a fee which can be as low as 0.48%.
Is Nationwide safe for large amount transfers? 🔐
Yes. Nationwide is safe for large amount transfers. If you’re sending a payment online you will need to verify the transfer using your banking app or your card reader. If you make your payment in a branch you’ll need to show your Nationwide current account card, a valid passport or full driving licence, and a proof of address. This helps keep your account safe.
Nationwide transfer limits
The Nationwide transfer limits depend on the type of payment you want to make. Here’s a summary:
Payment type | Nationwide transfer limits |
|---|---|
International payment | No limit |
UK payment online | 100,000 GBP per payment and per day |
UK payment in branch | 25,000 GBP per payment and 100,000 GBP per day |
There are some situations in which your online payment limits may be reduced. For example, if you’re sending a payment to a new payee, or to someone you’ve not paid often, you might only be able to send 25,000 GBP online. This will mean you need to split your payment, or send your money over several days.
Alternatives to Nationwide with higher transfer limits
Nationwide customers can also choose to send their international payment through a specialist service. You’ll still pay from your Nationwide account, but using a specialist can lower the overall costs by getting you a better exchange rate or a lower transfer fee.
Here are some alternatives to Nationwide which might have higher transfer limits and lower overall costs, for you to compare.
Providers | 🎯 International transfer limits | 💡 Transfer methods | 💰 Transfer fees & exchange rates |
|---|---|---|---|
Nationwide | No limits usually applied | Online and in branch | No fees for euro payments in the EEA 15 GBP for other transfers Exchange rates include a 2.2% markup |
Up to 20 million GBP* | Send online and in app | Low variable fees, mid-market exchange rates | |
Unlimited | Send online, in app and by phone | No transfer fee, exchange rates may include a markup | |
Up to 375,000 GBP | Send online and in app | Variable fees, exchange rates may include a markup |
*Some other limits may apply depending on the details of the transfer. **Details correct at time of research - 2nd October 2025
Wise
Wise is a specialist in international transfers and multi-currency accounts for personal and business customers. Wise offers low cost currency conversion and cross border payments to 140+ countries.
Wise transfer limits are high. Depending on how you pay for your transfer you may be able to send as much as 20 million GBP from the UK.
There are also automatic fee discounts on high value payments over 20,000 GBP, either in one transfer or in multiple transfers within a month.
Wise also has a dedicated support team for high value payments.
Send payments to 140+ countries, in a broad range of international currencies
Currency conversion uses the mid-market exchange rate with low, transparent fees for payments
Discounted fees on higher value transfers, or if you make multiple transfers in a month which aggregate over 20,000 GBP in value
🎯 Wise pricing & limits | |
|---|---|
Wise transfer limits | Up to 20 million GBP for transfers from the UK. Can vary on payment types. More information on: Wise transfer limits. |
Transfer fees | Low, variable fees based on the currency, with discounts on high value transfers. Learn more on Wise UK pricing. |
Exchange rates | Mid-market rates |
Incoming transfer limits | Often unlimited - limits may vary depending on the currency received |
Incoming transfer fees | No fee for payments received with local account information Low fees apply for incoming wire and SWIFT payments, depending on the currency received |
*Details correct at time of research - 2nd October 2025
OFX
OFX is well known for great customer service, and offers a 24/7 phone service to customers around the world.
OFX personal and business customers can make international transfers in 50+ currencies, and access currency risk management products too.
Payments are usually unlimited, with no transfer fee - an exchange rate markup will apply.
Send to a huge range of countries, in 50+ currencies
24/7 personal phone service
One off and recurring international transfers available
🎯 OFX pricing & limits | |
|---|---|
OFX transfer limits | No outgoing transfer limit |
Transfer fees | No OFX fee |
Exchange rates | Exchange rates may include a markup |
Incoming transfer limits | OFX does not offer an account to receive payments |
Incoming transfer fees | OFX does not offer an account to receive payments |
*Details correct at time of research - 2nd October 2025
Xe Money Transfer
Xe Money Transfer lets you send a payment online or in app to 130+ countries from the UK, for personal or business use.
Xe has a fixed limit of 375,000 GBP or the currency equivalent per personal payment. This limit does not apply on business transfers.
Send up to 375,000 GBP in a single online payment
Payments available to 130+ countries
Pay by bank transfer or with a card
🎯 Xe pricing & limits | |
|---|---|
Xe transfer limits | Up to 375,000 GBP |
Transfer fees | Variable fees based on the currency |
Exchange rates | Exchange rates may include a markup |
Incoming transfer limits | Xe does not offer an account to receive payments |
Incoming transfer fees | Xe does not offer an account to receive payments |
*Details correct at time of research - 2nd October 2025
How long do large transfers take with Nationwide?
The delivery times for large transfers with Nationwide depend on where you’re sending money to. Here’s a summary:
Payment type | Nationwide high amount transfer delivery time |
|---|---|
Payments to European countries in Euros | 1 working day |
Payments to EEA countries in Sterling | 1 working day |
Payments in the EEA/UK not in an EEA currency | 4 working days |
Payments in any currency outside the EEA | 4 or more working days |
*Details correct at time of research - 2nd October 2025
How to send a large amount transfer with Nationwide
You can choose to send a large amount transfer with Nationwide online or in a branch. In a branch you’ll be helped with the process by a member of staff.
Remember - you’ll need to show your Nationwide current account card, a valid passport or full driving licence, and a proof of address, for verification purposes.
If you’d rather you can make your payment online instead, and then verify the transfer using your banking app or your card reader. Here’s what to do:
Log in to the Nationwide internet banking service
Select the Move money tab
Go to the Other payments section
Tap Make an international payment
Choose the account you want to pay from and tap Go
Follow the on-screen instructions to process your payment
Information needed to send large amounts of money with Nationwide
You’ll need some key information about your recipient to send your high value payment with Nationwide.
As well as the information below, you might also be asked for some extra documents to show the source of the funds you’re sending. The bank staff will talk you through that process if it’s required.
Here’s what’s always needed to send large amounts of money with Nationwide:
📁 Required information to send large amounts with Nationwide |
|---|
|
The BIC code is not needed for EUR payments in the SEPA area.
📚 More information: How to send an international transfer with Nationwide
Is it possible to increase Nationwide transfer limits?
There’s no limit on the amount of money you can send overseas with Nationwide.
If you’re sending a payment within the UK you may find limits of 25,000 GBP or 100,000 GBP apply depending on the type of payment and the specific recipient. If you need to send more you’ll have to talk to the bank about your options.
How to increase Nationwide transfer limits
You may find you can not increase Nationwide transfer limits for local UK payments, which might mean you have to send your transfer across several individual payments. Talk to bank staff to understand your best options.
💰🚀 If you need to send or receive large amounts of money internationally, you can compare different providers from this page: Best ways to transfer large amounts of money internationally
How to receive large transfers with Nationwide
To receive large transfers with Nationwide you must give the sender the following information:
Nationwide's BIC - NAIAGB21
Nationwide's intermediary BIC - MIDLGB22
Your International Bank Account Number (IBAN)
Your account number
Your sort code
Your full name and full address
There’s not usually any limit to the amount you can receive to Nationwide. If the sender’s bank converts your payment to GBP it is converted using that bank’s exchange rate.
If the payment is received in Nationwide in a foreign currency the Nationwide partner bank will convert it with a fee of 0.5%. It is then deposited to your GBP account with Nationwide.
Alternatives to Nationwide for receiving large payments
When you receive a payment to Nationwide it is converted to GBP by the sender’s bank, or by Nationwide’s third party partner. Fees are likely to apply.
If you’d prefer to receive an international payment in a foreign currency without conversion you may prefer to use an alternative provider like Wise or Revolut.
Receive payments with account details in 20+ currencies, often with no limit on the incoming transfer amount. | |
Receive payments in GBP with local account information, and SWIFT transfers in around 25 other supported currencies. |
Nationwide business payments limits
Nationwide offers a large selection of business accounts and services. Account products are designed to match the needs of different customer types, split by business turnover. The limits which apply to different Nationwide accounts may depend on the type of company you have and the specific account you select.
Check the limits which apply to your account in the Nationwide app.
Nationwide customer support for high amount transfers
If you need help it’s good to know that you can talk to Nationwide customer support for high amount transfers, 7 days a week, 8am to 8pm. Here are the phone numbers you need:
From the UK: 0800 30 20 11
From abroad: +44 1793 65 67 89
Other guides in this series:
Conclusion: Does Nationwide have transfer limits?
Nationwide doesn’t put any limit on the amount you can send overseas, but there are various limits on local UK payments which depend on the transfer type and the person you’re paying.
When you send a payment with Nationwide you may need to pay a 15 GBP fee, plus currency conversion costs of 2.2%. This can end up being pretty costly when you send a high value payment. Look at alternatives to Nationwide to compare your options. You may prefer a specialist service like Wise or OFX for example, which both have fast low cost transfers which use great exchange rates.
Nationwide international transfer limits FAQs
How much can I transfer with Nationwide internationally online?
Nationwide doesn’t put any limit on the amount you can send overseas using their online banking service.
What is the maximum amount you can transfer abroad with Nationwide?
There’s no limit on how much you can send overseas with Nationwide. Make your transfer online or in a branch.
How can I increase the Nationwide maximum transfer limit?
If you’re sending a payment in the UK, Nationwide maximum payment limits may apply. If you need to send more than this you’ll need to discuss your options with the bank directly - you might have to split your payment into several transfers.