Short answer: No, there is no general limit on ACH transfers.
We’ve seen some confusion about this, so here’s how it works.
✅ What Has No Limit
There is no cap for:
Salary payments
Employer payments
Transfers from your own bank/fintech/brokerage account
Payments from registered businesses (e.g., Deel, Gusto, Payoneer, Wise, Mercury, etc.)
We regularly process transactions well above $4,000 without issues.
⚠️ When the $4,000 Rule Applies
The $4,000 limit only applies to:
Third-party Person-to-Person (P2P) ACH transfers
(from one individual to another individual)If you are a non-US resident, these P2P payments are limited to under $4,000.
If a transfer above $4,000 is returned, it is likely classified as a third-party P2P payment.
Why Does This Happen?
This rule comes from our ACH processing partner and is specific to certain transfer types - it is not a blanket limit on your account.
Still Not Sure?
If a transfer was returned and you’re unsure why, contact support@nsave.com and share:
Transfer amount
Sender name
Sender type (individual or business)
We’ll help clarify quickly.