How to Send Money From Your Chase Bank Account

The two ways to wire money from Chase

Chase offers two paths to wire money: through Chase Online (their website or mobile app) or by visiting a branch in person. Online wiring is faster and available 24/7. In-person wiring at a branch takes longer but may be necessary if you do not have online access or need to wire a large amount that exceeds online limits.

Both methods require the same information from the person receiving the money: their full name, bank name, account number, and routing number. If the recipient's bank is outside the United States, you will also need their SWIFT code or IBAN (International Bank Account Number).

Chase charges a fee for domestic wires and a higher fee for international wires. The fee is deducted from your account at the time you send the wire. Fees vary by account type, so check your account's fee schedule or call Chase before you wire to confirm the exact cost.

Key Takeaways

• Online wiring through Chase.com or the Chase mobile app processes faster than in-person wiring and is available around the clock.
• You need the recipient's full name, account number, routing number, and their bank's name; for international wires, you also need a SWIFT code or IBAN.
• Chase charges a fee for both domestic and international wires, and the fee is taken from your account when the wire is sent.
• Domestic wires typically arrive the same business day if sent before the cutoff time, usually 2 p.m. Eastern Time on weekdays.

Wiring money online through Chase.com or the mobile app

Log into your Chase account on Chase.com or open the Chase mobile app. From the main menu, look for "Send Money" or "Transfers" — the exact label depends on which platform you are using. Select "Wire Money" or "Wire Funds" from the options shown.

Enter the recipient's information in the fields provided: their full name, the bank name, account number, and routing number. For domestic wires, the routing number is a nine-digit code specific to the recipient's bank. For international wires, you will enter the SWIFT code or IBAN instead of or in addition to the routing number, depending on the country.

Enter the amount you want to send. Review all the information you entered — especially the account number and routing number, since errors can send money to the wrong account. Confirm the wire. Chase will show you the fee and deduct it from your account when ready. You will receive a confirmation number; save this for your records.

Domestic wires sent before 2 p.m. Eastern Time on a business day usually arrive the same day. Wires sent after that time or on weekends or holidays are processed the next business day. International wires take longer, typically three to five business days, depending on the receiving country and bank.

Wiring money in person at a Chase branch

Visit a Chase branch during business hours with a valid photo ID and your account information. Tell the teller you want to send a wire transfer. Provide the recipient's full name, bank name, account number, and routing number (or SWIFT code and IBAN for international wires).

Tell the teller the amount you want to send. The teller will enter the information into Chase's system, show you a confirmation screen, and ask you to review it for accuracy. Confirm that all details are correct before the teller processes the wire.

The teller will inform you of the wire fee and deduct it from your account. You will receive a receipt with a confirmation number. Keep this receipt for your records. In-person wires typically take longer to process than online wires — often one to two business days for domestic wires.

Wire limits and when you might hit them

Chase sets daily and monthly limits on how much you can wire online. These limits vary by account type and your account history. A new account may have a lower limit than an established account. You can check your wire limit by logging into Chase.com or calling Chase customer service.

If you need to send more than your online limit allows, you have two options: wire the amount in multiple transfers spread across different days, or visit a branch in person. Branch wires sometimes have higher limits, though this varies by location and account type. Call your branch ahead of time to confirm they can process the wire amount you need.

Domestic versus international wires

A domestic wire sends money to a bank account within the United States. You need the recipient's routing number (a nine-digit code) and account number. Domestic wires typically arrive the same business day if sent before the cutoff time. Chase charges a flat fee for domestic wires; the amount depends on your account type.

An international wire sends money to a bank account outside the United States. You need the recipient's SWIFT code (an eight or eleven-character code that identifies their bank) or their IBAN (a longer code used in Europe and some other regions). International wires take three to five business days and cost more than domestic wires. Some countries have additional requirements — for example, you may need to provide the recipient's address or passport number.

Chase may also charge an intermediary bank fee if the receiving bank is not directly connected to Chase's network. This fee is separate from Chase's wire fee and is deducted from the amount the recipient receives, not from your account. Ask Chase about intermediary fees before you send an international wire.

What to do if a wire goes to the wrong account

If you realize you made an error before the wire is sent, cancel it when ready through Chase.com, the mobile app, or by calling Chase. Once a wire has been sent, it cannot be recalled — the money has left your account and is in the receiving bank's system.

If the wire went to the wrong account, contact Chase right away with your confirmation number. Chase can contact the receiving bank and ask them to return the funds, but the receiving bank is not required to comply. If the receiving bank refuses to return the money, you may need to file a dispute or pursue legal action. This process is slow and uncertain, which is why verifying all information before sending is critical.

Frequently Asked Questions

How long does a Chase wire transfer take?

Domestic wires sent before 2 p.m. Eastern Time on a business day arrive the same day. Wires sent after that time or on weekends arrive the next business day. International wires take three to five business days, depending on the receiving country and bank.

Can I cancel a wire after I send it?

Once a wire has been sent, it cannot be canceled or recalled. If you realize you made an error before sending, cancel it when ready through Chase.com, the mobile app, or by phone. After the wire leaves your account, you must contact Chase to ask the receiving bank to return the funds, but they are not required to do so.

What information do I need from the person receiving the money?

For a domestic wire, you need their full name, bank name, account number, and routing number. For an international wire, you also need their SWIFT code or IBAN. Some countries require additional information like the recipient's address or passport number.

Does Chase charge a fee for wire transfers?

Yes. Chase charges a fee for both domestic and international wires. The fee is deducted from your account when the wire is sent. Fees vary by account type, so check your account's fee schedule or call Chase to confirm the exact cost before you wire.

What is a routing number and where do I find it?

A routing number is a nine-digit code that identifies a specific bank or branch. The recipient can find their routing number by calling their bank, checking their checks, or visiting their bank's website. You can also search for a routing number on the American Bankers Association website if you know the bank name and location.