How to Receive a Wire Transfer at Chase Bank

What happens when someone sends you money by wire transfer through Chase

When someone sends you a wire transfer to your Chase account, the money moves from their bank to Chase's system, then into your account. You do not need to do anything to receive it — the sender's bank handles the sending, and Chase receives it on your end. The transfer typically arrives within one business day, though it can take longer if sent from outside the United States.

Your job is to give the sender the correct information so the wire reaches your account and not someone else's. That means your Chase account number, the routing number for your specific Chase branch, and your full legal name as it appears on your account. If any of these details are wrong, the wire may be delayed or sent to the wrong account.

Chase does not charge you a fee to receive a domestic wire transfer. International incoming wires may have a fee — currently $15 for most customers, though this varies by account type. You can check your account agreement or call Chase to confirm the fee for your specific situation.

Key Takeaways

• You receive wire transfers passively — the sender's bank sends the money and Chase receives it into your account without action on your part.
• Provide the sender with your Chase account number, routing number, and full legal name to may support the wire reaches the correct account.
• Domestic wire transfers arrive within one business day; international transfers may take three to five business days.
• Chase does not charge a fee for incoming domestic wires, but international incoming wires typically cost $15.
• Once the wire arrives, the money is available when ready in your Chase account.

Finding your Chase account number and routing number

Your Chase account number appears on the bottom left of any check you have from that account, or in the Chase mobile app under Account Details. It is typically 10 to 12 digits. Your routing number depends on which Chase branch or region your account is tied to — it is not the same for all Chase customers. The routing number also appears on your checks, on the bottom left before your account number.

If you do not have a check, log into Chase.com or the Chase app, select your account, and look for Account Details or Account Information. Both your account number and routing number will be listed there. 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.

Make sure you give the sender the routing number for the specific branch where your account is held, not a general Chase number. If the sender uses the wrong routing number, the wire may be rejected or delayed while Chase tries to figure out where it should go.

What information to give the sender

The sender needs four pieces of information to send you a wire: your full legal name (exactly as it appears on your account), your Chase account number, your routing number, and the address of the Chase branch where your account is held. Some senders may also ask for a SWIFT code if they are sending from outside the United States — Chase's SWIFT code is CHASUS33.

Write out your name the way it appears on your account documents, not a nickname or shortened version. If your account is under "Margaret Elizabeth Smith" but you go by "Maggie," the sender should still use "Margaret Elizabeth Smith." Mismatched names can cause the wire to be held for verification.

If the sender is outside the United States, they may need additional information such as your address or a reference number. Ask them what their bank requires — different banks have different wire forms. The sender's bank, not Chase, determines what details are mandatory on their end.

How long it takes for the wire to arrive

A domestic wire transfer (from another U.S. bank to your Chase account) typically arrives within one business day. If the sender initiates the wire on a Monday morning, you will usually see it in your account by Tuesday. Wires sent on Friday afternoon or over the weekend may not arrive until the following Monday or Tuesday.

International wire transfers take longer — usually three to five business days — because the money passes through multiple banks and currency conversion systems. The exact timing depends on the sender's country, their bank, and any intermediate banks involved. Once the wire arrives at Chase, the money is available in your account when ready.

If a wire does not arrive within the expected timeframe, contact Chase with the sender's name, the amount, and the date it was sent. Chase can trace the wire and tell you where it is in the system. The sender's bank may also be able to track it from their end.

What to do if the wire arrives but you did not expect it

If money appears in your Chase account from a wire transfer you did not request, do not spend it. Contact Chase when ready and explain that you received an unexpected wire. Chase can help you determine whether the money was sent to the wrong account by mistake or whether there is a fraud concern.

If the wire was sent to your account by mistake — for example, the sender used the wrong account number — Chase can initiate a return wire to send the money back. This process takes a few business days. If you spend the money and it turns out it was sent in error, you may be responsible for returning it, and your account could be overdrawn.

If you suspect fraud or that someone sent you money illegally, report it to Chase and do not move the funds. Chase has procedures for handling suspicious wire transfers and can work with law enforcement if needed.

Wire transfer limits at Chase

Chase does not have a set limit on how much money you can receive by wire transfer. However, your account may have daily deposit limits depending on your account type and how long you have been a customer. A new account might have a lower limit than an established one.

If you are expecting a large wire transfer, contact Chase beforehand to confirm that your account can receive it without triggering a hold or review. Chase may place a temporary hold on very large deposits while they verify the source of the funds — this is standard practice and does not mean anything is wrong.

The sender's bank may also have limits on how much they can send in a single wire. If the sender is trying to send a very large amount, they may need to split it into multiple wires or contact their bank about increasing their limit.

Frequently Asked Questions

Can I receive a wire transfer to a savings account or only a checking account?

You can receive a wire transfer to either a checking or savings account at Chase. The process is the same — you provide your account number and routing number, and the wire goes into whichever account you specify. Make sure you tell the sender which type of account it is, because some senders' banks ask for that information.

What if the sender's bank says they need a different routing number?

Different Chase branches have different routing numbers. If the sender's bank is asking for a specific routing number and you are not sure which one is correct, log into your Chase account or call Chase customer service. They can confirm the exact routing number for your branch. Using the wrong one may delay the wire.

Do I need to do anything special to receive an international wire transfer?

No — the process is the same as a domestic wire. You provide your account number, routing number, and name. The sender may need additional information like your address or a SWIFT code, but that is handled on their end. International wires take longer to arrive and may have a fee, but you do not need to take any action.

Can I receive a wire transfer if my Chase account is closed?

No. If your account is closed, the wire will be rejected and sent back to the sender's bank. If you are closing your account soon and expecting a wire, contact Chase to delay the closure or provide the sender with a different account number before you close the account.

Is there a way to stop a wire transfer after it has been sent?

Once a wire transfer has been sent from the sender's bank, it cannot be stopped. If you need to cancel a wire, you must contact the sender and ask them to contact their bank when ready — the sooner they act, the better the chance of stopping it. If the wire has already arrived at Chase, it cannot be reversed without your consent.