How to Receive a Wire Transfer at Chase Bank

What you need to receive a wire transfer at Chase

To receive a wire transfer at Chase, you need to give the sender your bank routing number, your account number, and your full name as it appears on your account. The sender also needs to know the name and address of your Chase branch, though many senders can complete a wire with just the routing and account number. Chase processes incoming domestic wire transfers the same business day if they arrive before the bank's cutoff time, usually 5 p.m. Eastern Time on weekdays.

You do not need to do anything in advance to receive a wire transfer. Your account is set up to accept them automatically. The money will appear in your account once Chase receives and processes the transfer from the sending bank.

Key Takeaways

• Provide your routing number (010000000 for most Chase accounts), account number, and full name to anyone sending you a wire transfer.
• Domestic wire transfers sent before 5 p.m. Eastern Time on a business day typically arrive the same day.
• International wire transfers take longer — usually three to five business days — and may include currency conversion fees.
• You can find your routing and account numbers on the bottom left of your checks, or by logging into Chase online or calling customer service.

Where to find your routing and account numbers

Your routing number appears on the bottom left of any check you have from your Chase account. For most personal Chase checking accounts, the routing number is 010000000, but this can vary by state and account type. Your account number is the second set of numbers on the bottom of your check, after the routing number.

If you do not have checks, log into your Chase account online or through the mobile app. Go to your account details or account information section — the exact location depends on which version of Chase's website or app you use. You can also call Chase customer service at the number on the back of your debit card, and they will read both numbers to you over the phone.

Domestic wire transfers: timing and fees

A domestic wire transfer — money sent from another U.S. bank to your Chase account — usually arrives on the same business day if the sending bank submits it before 5 p.m. Eastern Time. If it arrives after that cutoff or on a weekend or holiday, it will post the next business day. Chase does not charge you a fee to receive a domestic wire transfer.

The sending bank may charge the sender a fee to send the wire, typically between $15 and $30, but that cost does not affect what you receive. The full amount the sender initiates will arrive in your account.

International wire transfers: how they work differently

An international wire transfer — money sent from a bank outside the United States — takes longer and may cost you money. These transfers typically take three to five business days to arrive, though some take longer depending on the sending country and the banks involved. Chase may charge you a fee to receive an international wire, usually between $15 and $20, and that fee will be deducted from the amount you receive.

If the money is being sent in a foreign currency, Chase will convert it to U.S. dollars. Chase applies its own exchange rate to the conversion, which may be different from the rate you see online. The difference between the published rate and Chase's rate is how the bank makes money on currency conversion. Ask the sender what amount they are sending in their currency so you can calculate roughly what should arrive after conversion and fees.

What happens when a wire transfer arrives

When Chase receives a wire transfer, the money goes into your account and you can use it when ready. You will see the deposit in your account online or through the mobile app, usually within a few hours of receipt. Chase will also send you a notification — by email, text, or through the app, depending on your settings — when the wire arrives.

The wire transfer will show up in your transaction history with the sender's name and, if they included one, a reference number or memo. If you are expecting a wire and do not see it after the expected time window, contact Chase customer service with the sender's name, the amount, and the date they sent it. Chase can trace the wire and tell you whether it arrived or is still in process.

How to give wire transfer information to someone sending you money

When someone asks how to send you a wire transfer, provide this information in writing — email, text, or a document — so there is no confusion:

• Your full name exactly as it appears on your Chase account
• Your Chase account number
• Chase routing number (usually 010000000, but confirm yours first)
• The city and state where your Chase branch is located

Some senders will ask for a SWIFT code if they are sending from outside the United States. Chase's SWIFT code is CHASUS33. You can also provide your full mailing address, though it is not required for the wire to go through.

Double-check the information before you send it. A single wrong digit in your account number will cause the wire to be rejected or sent to the wrong account. If the sender is unsure how to proceed, they can call their own bank's wire transfer department, and that bank will guide them through the process using the information you provided.

Frequently Asked Questions

How long does it take for a wire transfer to show up in my Chase account?

Domestic wires sent before 5 p.m. Eastern Time on a business day arrive the same day. International wires take three to five business days. Once Chase receives the wire, the money is available when ready and you can use it right away.

Will I be charged a fee to receive a wire transfer at Chase?

Chase does not charge a fee to receive domestic wire transfers. International wire transfers may have a fee of $15 to $20, which Chase deducts from the amount you receive. The sending bank may charge the sender a fee, but that does not affect what arrives in your account.

What if the wire transfer does not arrive when I expect it?

Contact Chase customer service with the sender's name, the amount, and the date sent. Chase can trace the wire to see if it arrived at the bank or is still in process. If the sending bank made an error with your account number, the wire may be rejected and returned to the sender.

Can I receive a wire transfer to a savings account instead of checking?

Yes, you can receive a wire transfer to any Chase account — checking, savings, or money market. Provide the account number for whichever account you want the money to go into, along with your routing number.

Do I need to do anything to prepare my account to receive a wire transfer?

No. Your Chase account is set up to receive wire transfers automatically. You do not need to contact the bank or change any settings. Just provide your account and routing numbers to the sender.