PNC®¹ offers its popular Virtual Wallet, which is a checking account service you can manage with your phone. But what about sending payments? How much can you transfer with PNC and what options are there available?
This guide will look at the PNC transfer limit for moving money between PNC accounts, and the PNC external transfer limit, for those times you need to send money to an account outside of PNC.
PNC's transfer limits overview
PNC lets you send domestic payments to others using Zelle®, as well as offering local and international wire transfers, and ACH payments².
The features of each service vary, as well as the fees you’ll pay. PNC transfer limits aren’t necessarily set as a one size fits all - instead, you need to review the information in your own online or mobile banking service to see the limits which apply to your specific account.
One other thing to note is that there may be a limit to the number of transfers you can make out of a PNC Growth, Savings or money market account. Once this limit is exceeded, fees apply. Again, specific account limits for internal PNC transfers are shown in the PNC app or online.
We’ll walk through the PNC transfer fees a little later - but because little limit information is publicly shared by PNC, you’ll need to log into your mobile or online banking to see the limits which apply for your specific transfer type. We’ll cover how to do that in a moment.
PNC international transfer limits
With PNC, customers can send money internationally using a wire. You can arrange this from online or mobile banking, with fees varying depending on the specifics of the transfer.
PNC does not publish the limits for wire transfers - although in many US banking institutions, this is the highest limit you’ll come across. To find your own specific PNC international transfer limit, log into your online banking service.
Compare your international payment options with PNC against the digital transfer services from Wise. Wise offers transfers in 40+ currencies with high limits and low fees*. We’ll look at Wise in more detail in a moment - you can also take a look at Wise transfer limits here.
How can you check your PNC transfer limits?
Check your PNC limits online by opening online banking or logging into the PNC app. Once logged in, select Transfer from the menu, and follow the prompts to view the limits which apply to your account.
If you need more support you can also get in touch with PNC³:
- Call PNC on 1-888-PNC-BANK (762-2265)
- Contact PNC through social media
- Visit a PNC branch - appointments can be made online, in advance
- Open an in-app chat once logged into online or mobile banking
How can you increase your transfer limits at PNC?
PNC does not offer any option to increase your transfer limit. As your limits are set according to your specific account type and use, if you need to increase your limit with PNC you’ll need to get in touch with your local branch or using one of the contact methods laid out above.
What are your online transfer limits with PNC?
PNC online transfers are available through Zelle, wires or ACH. The limits which apply are available within your mobile or online banking service - navigate to the Transfers section from the menu to view everything you need.
What’s the best way to send money internationally?
Banks are certainly one option for sending money internationally, as are services like PayPal. But the problem with banks is they can often be slow, expensive and inconvenient. Luckily, there’s a better alternative out there.
You can send money worldwide with Wise for low fees and the mid-market exchange rate. It’s easy and quick to set up a payment online, and you’re guaranteed secure transfers even when sending large sums.
Wise is a money service business (MSB) regulated by 12 international financial authorities, and uses sophisticated security features to keep you and your money safe.
Open a Wise account, and you can send, spend and convert between 40+ currencies whenever you need to. You can even receive money from all over the world using your own local account details.
As if all that wasn’t enough, there’s a Wise debit card too. For a one-time fee of just 9 USD, you can spend in over 150 countries in the local currency. Your USD is automatically converted at the mid-market rate, for just a small conversion fee*.
Open a Wise account today
💡 Need to make a business payment? With the Wise Business account, you can send up to 1,000,000 USD per transfer from licensed states.
| Some key features of Wise Business include: |
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Discover the difference between Wise Business vs Personal
What are PNC's transfer fees and charges?
PNC’s fees vary depending on the transfer type, the destination country and how you choose to arrange it. Here’s a quick review:
| PNC transfer type | PNC fee⁴ |
|---|---|
| Zelle transfer | No fee |
| Domestic wire - agent assisted | 30 USD |
| Domestic wire - self service | 25 USD |
| International wire - agent assisted | 50 USD |
| International wire - self service USD | 40 USD |
| International wire - self service foreign currency | 5 USD |
| International money transfer - agent assisted | 10 USD |
| International money transfer - self service | 5 USD |
Things to keep in mind when transferring high amounts
Sending a high value payment can seem a bit daunting, but with a bit of advance planning your payment should go through OK.
| Here are a few tips to help: |
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Transfer limits FAQ
What happens if you exceed your PNC transfer limit?
PNC will not process a payment which exceeds the transfer limit for that specific transfer type. You’ll be notified online, in the mobile app, or in person if you’re setting up your payment in a branch.
Are there any fees associated with exceeding transfer limits or requesting limit increases?
PNC doesn’t offer ways to increase your transfer limits - check the limits which apply online or in the PNC mobile app.
How often do PNC transfer limits reset?
Check your PNC online or mobile banking service to view the different limits which might apply to your specific account - and when they reset. Limits are often set for daily, weekly and monthly resets.
PNC lets customers send money domestically and overseas, but the limits aren’t published as they’re set based on your specific account type and usage. That means that to learn about the PNC transfer limits which apply to you, you’ll have to log into PNC online or mobile banking to see what you can send.
For an easy option for overseas payments with low costs and high transfer limits, compare PNC against Wise. You might find you can save.
Sources:
Sources checked on 05.24.2024
*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.
![PNC transfer limits [2024] (2024)](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mP8/h8AAvMB+NzmkbcAAAAASUVORK5CYII=)