Chase's wire transfer address depends on whether you are sending domestic or international money

Chase does not have a single mailing address where you send wire transfer instructions. Instead, you initiate wires through Chase's online banking portal, mobile app, or by calling a Chase representative. If you need to send a wire, the fastest route is logging into your Chase account online and selecting the wire transfer option — most domestic wires process the same business day if submitted before the bank's cutoff time, usually 2 p.m. Eastern.

If you cannot access online banking or prefer to speak with someone, you can call Chase at 1-800-935-9935 (the general customer service number) and ask to be transferred to the wire transfer department. They will take your wire details over the phone and process it from there. For international wires, Chase may ask additional questions about the recipient and the purpose of the transfer to comply with federal regulations.

Physical mailing addresses exist for Chase branches, but sending wire instructions by mail defeats the purpose — wires are meant to move money quickly, and mail takes days to arrive. If you have a local Chase branch, you can also walk in and ask a banker to help you initiate a wire in person.

Key Takeaways

  • Chase processes wires through online banking, the mobile app, or phone — not through mailing addresses.
  • Domestic wires typically complete the same business day if you submit them before 2 p.m. Eastern on a weekday.
  • Call 1-800-935-9935 to speak with a Chase representative who can walk you through the wire process by phone.
  • International wires may require additional information about the recipient and the reason for the transfer.
  • Visiting a Chase branch in person is an option if you prefer to initiate the wire face-to-face.

How to send a wire through Chase online banking

Log into your Chase account at chase.com or through the Chase Mobile app. Once you are signed in, look for the "Transfers" or "Send Money" section — the exact label varies depending on which device or app version you are using. Select "Wire Transfer" from the menu.

Chase will ask you to choose whether the wire is domestic (within the United States) or international. For a domestic wire, you will enter the recipient's bank account number, routing number, and the bank name. For an international wire, you will need the recipient's IBAN (International Bank Account Number) or SWIFT code, depending on the country. Chase will also ask the amount and the reason for the transfer — this information is required by federal law for wires over $3,000.

Review the details carefully before confirming. Once you submit the wire, Chase will show you a confirmation number. Save this number in case you need to track the wire later. Chase charges a fee for wire transfers — domestic wires typically cost between $15 and $30, and international wires cost more. The fee will be deducted from your account.

What information you need before starting a wire

Gather the recipient's banking details before you log in. For a domestic wire, you need the recipient's full name, bank account number, the bank's routing number, and the bank's name and city. You can find routing numbers on the American Bankers Association website or by calling the recipient's bank directly.

For an international wire, the process is more complex. You will need the recipient's full name, their bank account number or IBAN, the bank's SWIFT code, the bank's name and address, and the country. Some countries also require additional codes or information. If you are unsure what information the recipient's bank needs, ask the recipient to provide their bank's wire instructions — most banks have a standard form they give customers for this purpose.

Have the wire amount ready as well. Chase will ask whether you want to send a specific dollar amount or whether you want the recipient to receive a specific amount after the receiving bank deducts its fees. This distinction matters for international wires, where the receiving bank may charge a fee that reduces what the recipient actually gets.

Wire transfer cutoff times and processing speed

Chase's cutoff time for domestic wires is typically 2 p.m. Eastern on business days (Monday through Friday). If you submit a wire before this time, it usually processes the same day. If you submit after 2 p.m. or on a weekend or holiday, Chase will process it the next business day.

Most domestic wires arrive at the recipient's bank within one business day. Some arrive the same day, depending on the receiving bank's processing speed. International wires take longer — typically three to five business days, though some may take longer depending on the destination country and the receiving bank's procedures.

Chase cannot may provide a specific arrival time, especially for international wires. If the wire is time-sensitive, tell the recipient to expect it within the timeframe above but not to count on it arriving on a specific date. If a wire does not arrive within the expected window, contact Chase with your confirmation number and they can investigate.

Wire transfer fees at Chase

Chase charges a fee for every wire transfer you send. Domestic wire fees are typically $15 for online transfers and $30 for transfers initiated by phone or in person, though these amounts can vary. International wire fees are higher — usually $45 for online transfers and $50 or more for phone or in-person transfers.

The fee is deducted from your Chase account when the wire is processed. Some Chase accounts include a certain number of free wires per month or per year — check your account terms or call Chase to confirm whether your account qualifies for any fee waivers.

The receiving bank may also charge a fee to accept the wire. This is separate from Chase's fee and comes out of the money the recipient receives. For international wires, multiple banks along the transfer route may each take a small fee, which is why the recipient sometimes gets less than the amount you sent.

What to do if you need to cancel or change a wire

Once a wire is submitted to Chase, you cannot cancel it through online banking. You must call Chase when ready at 1-800-935-9935 and ask to speak with someone in the wire transfer department. Explain that you want to cancel or change a wire and provide your confirmation number.

Chase can only stop a wire if it has not yet left their system — this window is usually very short, often just minutes. If the wire has already been sent to the receiving bank, Chase cannot retrieve it. In that case, you would need to contact the receiving bank directly and ask them to reverse the transaction, which they may or may not be able to do.

To avoid needing to cancel, double-check all the recipient's information before you submit the wire. A single digit wrong in the account number or routing number can send the money to the wrong place, and recovering it becomes difficult.

Frequently Asked Questions

Can I send a wire from a Chase savings account?

Yes, you can send wires from most Chase checking and savings accounts. Some accounts have restrictions — for example, certain savings accounts limit the number of transfers you can make per month. Check your account terms or call Chase to confirm your account allows wire transfers.

What happens if I send a wire to the wrong account number?

If the account number is valid but belongs to someone else, the money goes to that person's account. Chase cannot retrieve it. You would need to contact that person or their bank to ask them to return it. If the account number is invalid or does not exist, the receiving bank may reject the wire and return it to Chase, which can take several days.

Do I need to tell Chase why I am sending a wire?

Chase asks for the purpose of the wire as part of federal anti-money-laundering requirements. You do not need to provide extensive detail — "rent payment" or "invoice payment" is sufficient. This information is not shared with the recipient.

Can I send a wire to a prepaid card or PayPal account?

Most prepaid cards and PayPal accounts do not accept incoming wire transfers. You would need to check with the prepaid card or PayPal directly to see if they have a bank account number and routing number you can use. If they do not, you will need to use a different payment method.

How do I know if my wire arrived?

The recipient should see the money in their account once their bank processes it. You can check your Chase account to confirm the wire was deducted from your balance. If you want to confirm the recipient received it, ask them to check their account or contact their bank. Chase can also look up the status of a wire if you provide your confirmation number.