How to Transfer Money From Chase to Another Bank

The fastest way to move money out of Chase

You can transfer money from Chase to another bank in three ways: external transfer through Chase's website or app, wire transfer for same-day or next-day movement, or ACH transfer through the receiving bank. External transfer is free and takes one to three business days. Wire transfer costs money (usually $15 to $30) but moves funds the same day or next business day. ACH transfer through the other bank is also free but may take three to five business days.

The method you choose depends on how quickly you need the money and whether you want to pay a fee. Most people use external transfer for routine moves because it is free and reasonably fast. Wire transfer makes sense when you need money urgently or are sending a large amount. ACH transfer through the receiving bank is useful if you have trouble setting up the transfer from Chase's side.

Key Takeaways

• External transfer through Chase's website or mobile app is free and takes one to three business days, and requires the receiving bank's routing number and your account number there.
• Wire transfer costs $15 to $30 but moves money the same day or next business day and works when you need funds urgently.
• You can also initiate an ACH transfer from the receiving bank's website, which is free but may take three to five business days.
• Chase limits external transfers to $100,000 per day and $500,000 per month, though you can request a higher limit by calling customer service.

Setting up an external transfer from Chase online or mobile app

Log into your Chase account on chase.com or the Chase Mobile app. Go to Transfers or Move Money (the exact label varies by app version). Select Transfer to another bank or External transfer. Chase will ask you to enter the receiving bank's name, your account number at that bank, and the bank's routing number.

You can find the routing number on the receiving bank's website, by calling them, or by checking a check from that account — the routing number is the first nine digits at the bottom left. Enter the amount you want to transfer and choose the date. Chase will show you the expected arrival date based on the transfer method. Review the details and confirm. The transfer will appear as pending in your Chase account when ready, though the money will not reach the other bank for one to three business days.

If this is your first transfer to that bank, Chase may hold the transfer for verification. You might receive an email or text asking you to confirm the receiving account. This is a security step and usually takes a few minutes to complete.

Using wire transfer for same-day or next-day delivery

Wire transfer moves money faster than external transfer but costs a fee. Chase charges $15 for a domestic wire transfer (money staying within the United States) and $45 for an international wire transfer. The money usually arrives the same business day if you send it before the cutoff time, typically 2 p.m. Eastern time on a business day. If you miss the cutoff or send on a weekend, it arrives the next business day.

To send a wire transfer from Chase, log into your account and look for Wire Funds or Wire Transfer under Transfers. You will need the receiving bank's name, routing number, the recipient's account number, and the recipient's name. Some banks also ask for the recipient's address. Enter the amount and review the details carefully — wire transfers cannot be reversed once sent. Confirm the transfer and Chase will process it when ready.

Wire transfer is the right choice when you are sending money to pay a bill on a specific date, buying something that requires when ready payment, or moving a large amount and speed matters. It is also useful if you are sending money to someone outside the United States, though international wires take longer and cost more.

Initiating a transfer from the receiving bank instead

If you have trouble setting up the transfer from Chase, you can start the transfer from the other bank's website or app. This is called an ACH transfer or pull transfer because the receiving bank pulls the money from your Chase account rather than Chase pushing it out.

Log into the receiving bank's website or app and look for Add Account, Link Account, or External Transfer. Enter your Chase account number and Chase's routing number (1010 for most Chase accounts, though some branches have different numbers — check your check or call Chase to confirm). The receiving bank will verify the account by depositing two small amounts into your Chase account, usually within one business day. You will then need to confirm those amounts in the receiving bank's app to prove you own the Chase account. Once verified, you can transfer money freely.

This method is free and takes three to five business days. It is useful if Chase's external transfer tool is not working or if you want to set up recurring transfers from the receiving bank's side.

Understanding Chase transfer limits and how to raise them

Chase sets a daily limit of $100,000 per external transfer and a monthly limit of $500,000 total. If you need to transfer more than $100,000 in a single transaction, you will need to use wire transfer instead, or you can call Chase customer service at the number on the back of your card to request a higher limit.

The monthly limit resets on the first day of each calendar month. If you have transferred $400,000 in January, you can transfer another $100,000 before the limit resets on February 1st. Wire transfers do not count toward these limits, so you can wire as much as you want (subject to the receiving bank's limits) without hitting Chase's cap.

If you regularly move large amounts, call Chase and ask to increase your external transfer limit. Customer service can often raise it on the spot, though they may ask why you need the higher limit. Having a higher limit set in advance makes it easier to move money quickly when you need to.

What to do if the transfer fails or takes too long

If a transfer shows as pending for longer than the stated timeframe, log back into your Chase account and check the transfer status. Chase will show whether it is still processing, completed, or failed. If it failed, Chase will usually give you a reason — common reasons include a wrong account number, a mismatched account name, or a bank routing number error.

If the transfer failed, do not send it again when ready. Instead, double-check the account number and routing number with the receiving bank before trying again. Call the receiving bank's customer service line and confirm both numbers are correct. Then go back to Chase and create a new transfer with the corrected information.

If the transfer completed but the money has not appeared in the receiving account after three business days, contact the receiving bank's customer service. They can trace the transfer using the confirmation number from your Chase account. The receiving bank can see whether the money arrived on their end and where it is if it has not posted to your account yet.

Comparing the three transfer methods

Transfer Method	Cost	Speed	When to Use
External Transfer (Chase to another bank)	Free	1–3 business days	Routine transfers, no time pressure
Wire Transfer	$15 domestic, $45 international	Same day or next business day	Urgent transfers, large amounts, specific payment dates
ACH Transfer (from receiving bank)	Free	3–5 business days	Backup option, recurring transfers, account linking

Frequently Asked Questions

Can I transfer money from Chase on a weekend?

You can initiate the transfer on a weekend through Chase's website or app, but it will not process until the next business day. If you send an external transfer on Saturday, it will start processing Monday and arrive Wednesday or Thursday. Wire transfers sent on weekends are held until Monday morning.

What if I enter the wrong account number?

If you enter the wrong account number, the transfer may fail before it sends, or it may go to the wrong account at the correct bank. Chase will show a failed transfer in your account history. If the money went to the wrong account, contact Chase when ready with your confirmation number — they can sometimes recall the transfer, but this depends on how far the money has traveled and the receiving bank's policies.

Do I need to set up the receiving account before I transfer?

No. You can transfer to any bank account as long as you have the correct account number and routing number. You do not need to contact the receiving bank in advance. The account just needs to exist and be in your name (or a name you are authorized to transfer to).

How much does it cost to transfer money from Chase?

External transfer is free. Wire transfer costs $15 for domestic transfers and $45 for international transfers. ACH transfer through the receiving bank is free. There are no other fees from Chase for moving money out of your account.

Can I cancel a transfer after I send it?

You can cancel an external transfer or ACH transfer if it is still pending — before it has actually moved the money. Once it shows as completed, you cannot cancel it. Wire transfers cannot be canceled once sent. If you need to cancel, log into your Chase account when ready and look for a cancel option next to the pending transfer.