How to Receive a Wire Transfer Into Your Chase Bank Account

What You Need to Give the Sender

To receive a wire transfer into Chase, you need to provide the sender with your Chase routing number, your account number, and your full name as it appears on your account. The sender will use these three pieces of information to instruct their bank to move money to you.

Your routing number for domestic wire transfers within the United States is 021000021 for most Chase accounts, regardless of which state you live in. Your account number is the string of digits printed on the bottom left of your checks or visible in the Chase mobile app or online banking portal. Make sure you give the sender the exact spelling of your name — if it does not match your account registration, the transfer may be delayed or rejected.

If the sender is outside the United States, they will also need your SWIFT code, which for Chase is CHASUS33. International wire transfers require this additional code so foreign banks can route the money correctly.

Key Takeaways

• Provide your Chase routing number (021000021), account number, and full registered name to anyone sending you a wire transfer.
• International senders also need your SWIFT code (CHASUS33) to route the transfer correctly.
• Wire transfers typically arrive within one business day for domestic transfers and two to five business days for international transfers.
• Once the money arrives, it is available in your account when ready — you do not need to take any action to receive it.
• If a transfer does not arrive on time, contact Chase customer service with the sender's bank name and the date the transfer was sent.

How Long a Wire Transfer Takes to Arrive

Domestic wire transfers — money sent from another U.S. bank to your Chase account — usually arrive within one business day. If the sender initiates the transfer before their bank's cutoff time (typically 2 p.m. or 3 p.m. in their time zone), the money often arrives the same day or by the next morning.

International wire transfers take longer because the money passes through multiple banks and currency conversion systems. Most international transfers arrive within two to five business days, though some may take up to a week depending on the sender's country and their bank's processing speed.

Weekends and bank holidays can delay both types of transfers. If a sender initiates a transfer on Friday evening, it may not begin processing until Monday morning, pushing arrival to Tuesday or later.

What Happens When the Money Arrives

When a wire transfer reaches your Chase account, the funds are available when ready — you do not need to do anything to receive them or make them usable. The money appears in your account balance right away, and you can withdraw it, spend it with your debit card, or transfer it elsewhere without waiting for the transfer to "clear."

You will receive a notification from Chase alerting you that the transfer has arrived. This may come as a text message, email, or push notification through the Chase app, depending on your notification settings. You can also see the incoming transfer listed in your transaction history.

If Your Wire Transfer Does Not Arrive on Time

If you are expecting a wire transfer and it has not arrived within the timeframe the sender told you, contact Chase customer service. Have the following information ready: the sender's name and bank name, the amount being sent, and the date the sender says they initiated the transfer.

Chase can trace the transfer through the banking system to find out where it is. Sometimes a transfer gets held up at an intermediate bank, especially for international transfers. Other times the sender provided incorrect information, and the transfer went to the wrong account or was rejected. Chase customer service can investigate and tell you what happened.

You can reach Chase by calling the number on the back of your debit card, through the Chase mobile app, or by visiting a Chase branch in person. Have your account number and the transfer details ready when you call.

Wire Transfer Fees at Chase

Chase does not charge you a fee to receive an incoming wire transfer. The sender's bank may charge them a fee to send the wire, but that cost does not come out of the money you receive — you get the full amount.

If you are the one sending a wire transfer out of your Chase account, Chase charges a fee for outgoing domestic wires and a different (usually higher) fee for outgoing international wires. But receiving a wire is free on your end.

Providing Your Information Safely

Your routing number and SWIFT code are public information — they are the same for every Chase customer and are printed in public directories. It is safe to share these with anyone who needs to send you money.

Your account number is semi-private. Sharing it with someone who is sending you a wire transfer is normal and necessary. However, do not share your account number with people you do not trust or in unsolicited messages claiming to be from Chase or other banks.

Never share your PIN, online banking password, or the full card number and CVV from your debit or credit card when someone is sending you a wire transfer. A legitimate sender only needs the routing number, account number, and your name.

Frequently Asked Questions

Can I receive a wire transfer to a Chase savings account?

Yes. Wire transfers can go to either a Chase checking account or a savings account. Provide the sender with the routing number, account number, and your name for whichever account you want the money to go into. The process is identical.

What if the sender put the wrong amount or the wrong name on the wire?

If the amount is wrong but your name is correct, the transfer will still arrive in your account. You would then need to contact the sender to arrange a second transfer for the missing amount or to return the overpayment. If your name is significantly misspelled or wrong, the transfer may be rejected by Chase and returned to the sender's bank.

Do I need to be present or do anything when the wire arrives?

No. Wire transfers arrive automatically and the funds are when ready available. You do not need to be home, answer a call, or sign anything. You will straightforward see the money in your account.

Can someone send me a wire transfer anonymously?

No. Banks require the sender to provide their name and account information as part of the wire transfer process. The sender's bank verifies their identity before processing the transfer. You will not know the sender's full banking details, but you will know who sent it based on what they tell you.

What if I give the sender the wrong account number by mistake?

The wire will go to whatever account number the sender used. If it goes to the wrong Chase account, contact Chase when ready with the transfer details. Chase can sometimes recover the money, but the process takes time. It is important to double-check the account number before giving it to the sender.