Wire Transfer Fees at Chase Bank: What You'll Pay

Chase wire transfer fees depend on the type of transfer and whether you send it domestically or internationally

Chase charges different amounts for domestic wire transfers, international wire transfers, and incoming wire transfers. A domestic outgoing wire transfer costs $15 if you initiate it online or through the Chase mobile app, and $20 if you do it in person at a branch or by phone. International outgoing wire transfers cost $45 online or through the app, and $50 if you arrange it by phone or in person. If you receive an incoming domestic wire transfer, there is no fee. If you receive an incoming international wire transfer, Chase charges $15.

These fees explore to most personal checking and savings accounts at Chase. Some account types, such as certain premium or wealth management accounts, may have different fee structures or waivers. The fees listed here were current as of early 2024, but Chase can change its fee schedule at any time. You can confirm the current fees by calling Chase customer service at 1-800-935-9935, visiting a local branch, or logging into your Chase account online.

Key Takeaways

• Domestic wire transfers sent online or through the app cost $15; sending by phone or in person costs $20.
• International wire transfers sent online or through the app cost $45; sending by phone or in person costs $50.
• Receiving a domestic wire transfer is free, but receiving an international wire transfer costs $15.
• Some Chase account types waive wire transfer fees, so check your account terms or call customer service to confirm what applies to you.

How to send a domestic wire transfer at Chase

To send a domestic wire transfer online, log into your Chase account, go to the transfers section, and select "Send money" or "Wire transfer." You will need the recipient's full name, bank routing number, account number, and the amount you want to send. Chase will show you the $15 fee before you confirm the transfer. The transfer typically arrives the same business day if you send it before the cutoff time, which is usually 2 p.m. Eastern Time on weekdays.

If you send the transfer by phone, call 1-800-935-9935 and speak to a representative. You will provide the same information, but the fee will be $20 instead of $15. If you go to a Chase branch in person, bring your account information and the recipient's banking details. A teller will process the transfer and charge you $20.

How to send an international wire transfer at Chase

International wire transfers require more information than domestic ones. You will need the recipient's full name, address, bank name, bank address, bank routing code or SWIFT code, and account number. Some countries also require an IBAN (International Bank Account Number). Log into your Chase account online or use the mobile app to initiate the transfer, and you will be charged $45. If you call or visit a branch, the fee is $50.

International transfers take longer than domestic ones. Most arrive within three to five business days, though some countries may take longer. The recipient's bank may also charge a fee to receive the money, which is separate from Chase's fee. Ask the recipient's bank what they charge before you send the transfer, so the recipient knows how much will arrive.

Fees for receiving wire transfers

If someone sends you a domestic wire transfer to your Chase account, you pay nothing. Chase does not charge you a fee to receive domestic wires. If someone sends you an international wire transfer, Chase charges you $15 to receive it. This fee is deducted from the amount that arrives in your account, so if someone sends you $1,000 internationally, you will receive $985.

You cannot avoid the incoming wire transfer fee by asking the sender to send a domestic transfer instead, because the fee is based on where the transfer originates, not where it goes. If the sender's bank is outside the United States, Chase treats it as an international transfer regardless of your location.

Wire transfer fees for different Chase account types

Most Chase personal checking and savings accounts are charged the standard fees described above. However, Chase offers some accounts with fee waivers or reductions. Chase Premier Plus Checking, for example, may waive wire transfer fees depending on your account balance or relationship with Chase. Chase Sapphire Checking and some wealth management accounts may also have different fee structures.

The best way to learn about your account qualifies for a fee waiver is to call Chase at 1-800-935-9935 or visit your local branch and ask a representative. Tell them your account type and ask whether wire transfer fees explore to you. If you are considering opening a new Chase account, ask about wire transfer fees as part of your comparison of account features.

Alternatives to wire transfers at Chase

If the wire transfer fee seems high for your situation, Chase offers other ways to send money. Chase QuickPay (also called Chase QuickPay with Popmoney) lets you send money to people who have email addresses or phone numbers, and there is no fee if both people use Chase. Transfers through QuickPay typically arrive within one business day. This works well for sending money to friends or family who also bank at Chase.

You can also transfer money between your own Chase accounts for free, or send a check by mail if you have time. For very large amounts or transfers that need to happen when ready, a wire transfer is still the fastest option despite the fee. Compare the cost of the wire transfer fee against the cost of alternatives (such as overnight shipping for a check) and the value of speed before you decide.

Frequently Asked Questions

Can I cancel a wire transfer after I send it?

Once you send a wire transfer, it usually cannot be cancelled or stopped. Domestic wires typically arrive the same business day, and international wires arrive within three to five business days. If you realize you made a mistake, call Chase when ready at 1-800-935-9935 and explain the situation. Chase may be able to contact the receiving bank and ask them to return the money, but this is not may provide and depends on whether the recipient's bank has already processed it.

Will Chase refund the wire transfer fee if the transfer fails?

If a wire transfer fails due to an error on Chase's part, Chase will typically refund the fee. If the transfer fails because you provided incorrect information (such as a wrong account number), Chase may not refund the fee. Call Chase customer service to explain what happened, and they will review your case and let you know whether a refund applies.

Do I need to tell Chase before I send a large wire transfer?

Chase does not require advance notice for wire transfers, but very large transfers may trigger fraud monitoring. If your transfer is unusually large compared to your account history, Chase may contact you to confirm it is legitimate. This can delay the transfer by a few hours. If you know you are sending a large wire, you can call Chase beforehand to let them know, which may speed up the process.

What is the maximum amount I can wire transfer from Chase?

Chase does not publish a single maximum wire transfer amount that applies to all customers. Limits depend on your account type, account history, and relationship with Chase. Call 1-800-935-9935 to ask what your personal limit is, or log into your account online and try to initiate a transfer to see what amount the system allows.