Ceiling transfer La Banque Postale: what is the maximum amount

With postal banking, it is possible to make standard transfers and instant transfers. These two types of transfer are both subject to a cap.

Postal bank democratizes the instant transfer

The Banque Postale has released the instant online transformation for online 1 since January 1 and will generalize its use with its 20 million customers from May. The objective: to make innovation accessible to the greatest number, simplify digital customer journeys and accelerate the deployment of new means of payment.

THE Instant transfer Or Moment payment Allows you to perform, all year round, 7 days a week, 24 hours a day, Including weekends and holidays, irrevocable payment in less than 10 seconds. It allows to transfer money in real time, from its mobile banking application or via its online bank The postal bank , and make them Fund immediately available for the beneficiary.

The instantaneous transfer will gradually replace the standard transfer For all occasional transfers made in the European SEPA area up to € 1,000 for individuals and € 7,700 for legal persons.

To find out more, read the Press release

(1) Since January 1, 2022 for individuals and April 1, 2022 for legal persons

(2) On January 1, 2022, the SEPA space, for single Euro Payments Area (single space of payments in euros) covers the member states of the European Union plus Andorra, Iceland, Liechtenstein, Monaco, Norway, the United Kingdom, Saint-Marin, Switzerland and the Vatican.

Ceiling transfer La Banque Postale: what is the maximum amount?

Knowing the ceilings applied to the transfers of the Postal Bank is important before becoming a bank customer. So what is the amount that can be fired by operation with the postal bank ? What are the types of transfer that can be made and what are the limits of each ? Finally, can we increase the transfer ceiling and if this is the case, how to proceed ? We tell you everything !

With a Wise account, make your transfers of money, national and international, in all simplicity and in more than 70 countries !

Moreover, where the majority of banks take major commissions on transfers, Wise relies on the real price of the market when conversing currencies.

Transfer ceiling La Banque Postale: the limits to know

All traditional banks, including postal banking, apply limits to transfers. In banking jargon, this limit is called ceiling and the user must know it before making a transfer.

With postal banking, it is possible to make standard transfers and instant transfers. These two types of transfer are both subject to a cap.

Standard transfer ceiling La Banque Postale

The standard transfer designates any operation involving the transfer of money issued to third -party accounts. At La Banque Postale, the transfer ceiling is € 4,000 per operation and per day¹. In other words, the transfers whose amount exceeds this ceiling will not pass, unless you increase this limit.

Note that the separate transfers of the postal bank, that is to say issued to banks belonging to the euro zone, are also subject to this cap.

Instant bank transfer ceiling Postal

As the name suggests, the instant transfer designates the transfers immediately treated by the bank which transmits the order. These transfers are generally treated during the day, including night, holidays and weekends. At La Banque Postale, the instant transfer ceiling is € 1,000 per operation and per day¹.

For information, there is also the instant separate transfer. To find out the ceiling applied to this type of transfer, you are advised to take a clip with your banking advisor because the postal bank has not officially communicated on this subject.

With a Wise account, you can send up to 6 million EUR per transfer.
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Modify the ceiling of a postal bank transfer: how to proceed ?

As we previously indicated, the transfers whose amount exceeds the ceiling applied by the bank will not be executed. However, it is possible toIncrease the postal bank transfer ceiling.

To modify the transfer ceiling La Banque Postale, here are some methods to consider:

• Go to the mobile postal application, access its personal space and follow the stages mentioned. The formalities to be completed and the documents to be provided will depend on the customer’s profile.
• Contact his bank advisor to the postal bank and share her desire to increase the transfer ceiling. It is the safest and most reliable way to increase the limitations applied to the transfers of the Postal Bank.
• Contact the Postal Bank Financial Center by phone, in France or from abroad, and express its desire to increase the ceilings of transfers. Again, the customer will have to access the bank’s requirements in terms of formalities to be completed and documents to provide, if necessary.

FAQ Ceiling Defer La Banque Postale

Let us conclude this overview on the postal bank transfer ceiling with this FAQ to learn more about this subject.

What is the ceiling of a separate transfer with the postal bank ?

The SEPA Postal bank transfer designates money transfers made from postal bank to a bank located in the euro zone. The ceiling associated with this transfer to the postal bank is € 4,000 per operation and per day.

What is the ceiling of an internet transfer with the postal bank ?

Postal Bank has strengthened its online presence in recent years. It is now possible to carry out various banking operations via the mobile application of the Postal Bank, including transfers. The ceiling of a transfer via the internet with the postal bank is the same as for the transfers made from a bank window.

What is the ceiling of an international transfer in postal banking ?

The postal bank makes it possible to make international transfers, that is to say to turn money to a bank outside the SEPA zone. To find out the ceiling applied to this type of transfer, it is preferable to contact the Postal Bank financial service.

With Wise, send money to more than 70 countries at a lower cost !

With a Wise account, you can make transfers easily in more than 70 countries, at advantageous costs.

Indeed, money transfers with Wise rely on the real price of the market when converting currencies, where banks take important commissions through a increased course.

With Wise, manage your money without borders and carry out your various financial operations without hidden expenses and exorbitant commissions !

1. Ceiling of standard and instant transfers of the Postal Bank.

Source checked the last time on April 12, 2023.

This publication is provided for general information only and does not aim to cover all aspects of the subjects it deals with. This is not the only source of advice on which you should rely. You must obtain professional or specialized advice before taking, or to abstain, to make any decision on the basis of the content of this publication. The information contained in this publication does not constitute legal, tax advice or other professional advice from Wise Payments Limited or its affiliated companies. Past results do not guarantee a similar result. We do not make any declaration, guaranteed, express or implicit, that the content of the publication is exact, complete or up to date.

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