The transfer of the excited electron from the core-excited Ar* ͑2p 3/2 −1 4s͒ atom to a metal substrate is studied theoretically in the case of Ar atoms physisorbed on Cu(111). The study is based on a wave packet propagation (WPP) approach associated with a model representation of the system. The L band gap of Cu is shown to lead to a drastic decrease of the resonant charge transfer rate in the case of a Cu (111) surface, as compared to the case of a free-electron metal surface. Comparison between the present results and earlier results for the charge transfer rates in alkali/Cu(111) systems allows a discussion of the validity of the so-called Z + 1 approximation for core-excited states. The cases of a single Ar atom and of 1, 2, and 3 monolayers of Ar on the surface are investigated. The dynamics of the excited electron transfer is shown to be strongly influenced by neighboring Ar atoms, through polarization and confinement effects associated with the insulating properties of solid Ar. The present theoretical results are discussed in connection with recent experimental results on the Ar*-metal charge transfer problem.