How Chase Handles Wire Transfers
Chase Bank lets you send wire transfers through its online banking platform, mobile app, or by visiting a branch in person. The process is straightforward: you provide the recipient's bank details, the amount, and Chase deducts the money from your account and sends it to the other bank. Wire transfers through Chase typically arrive the same business day if you send them before the bank's cutoff time, which is usually 2 p.m. Eastern Time on weekdays.
Chase charges a fee for outgoing domestic wire transfers (currently $15 for online or mobile, though this varies) and a separate fee for international wires (currently $45 for online or mobile). These fees come out of your account along with the transfer amount. The recipient's bank may also charge a fee to receive the wire, though that is separate from Chase's charge.
Key Takeaways
- Chase wire transfers sent before 2 p.m. ET on a business day usually arrive the same day at the receiving bank.
- You need the recipient's full name, bank name, routing number, and account number to send a domestic wire through Chase.
- Chase charges $15 for domestic wires sent online or through the mobile app, and $45 for international wires.
- You can send a wire through Chase.com, the Chase mobile app, or by visiting a branch, and each method has the same basic requirements.
Sending a Domestic Wire Online or Through the Chase App
Log into Chase.com or open the Chase mobile app and navigate to the Transfers section. Select "Send Money" and then choose "Wire Transfer." Enter the recipient's bank routing number, account number, and full name exactly as it appears at their bank. Then enter the amount and a reference note (optional, but helpful for the recipient to know what the payment is for).
Review the details carefully — especially the routing and account numbers, since wires cannot be reversed once sent. Confirm the transfer and Chase will deduct the $15 fee plus the transfer amount from your account. You will receive a confirmation number when ready; save this for your records.
If you are unsure of the recipient's routing number, you can look it up on the Federal Reserve's routing number database or ask the recipient's bank directly. Do not guess or use a number you are not certain about.
Sending an International Wire
International wires require additional information. In addition to the recipient's name and account number, you will need their bank's SWIFT code (an eight or eleven-character code that identifies banks internationally) and sometimes an IBAN (International Bank Account Number), depending on the country. Ask the recipient or their bank for these details before you start.
Log into Chase.com or the app, select "Wire Transfer," and choose the international option. Enter the recipient's information, the amount, and the receiving country. Chase will show you the $45 fee before you confirm. International wires typically take three to five business days to arrive, though some corridors are faster.
Chase also offers a service called Chase International Wire for larger or more complex transfers, but the basic process through your account works for most situations.
Sending a Wire at a Chase Branch
You can also send a wire by visiting a Chase branch in person. Bring a photo ID and the recipient's banking information (routing number and account number for domestic, SWIFT code and account number for international). Tell the teller you want to send a wire transfer and provide the amount.
The teller will fill out the wire form with you, verify the details, and process the transfer. You will pay the same $15 or $45 fee depending on whether it is domestic or international. The teller will give you a confirmation receipt with a reference number.
Sending a wire in person can be useful if you are uncomfortable with online banking or need help with the details, but it takes longer than sending online — you have to wait for the teller to process it, whereas online wires are submitted when ready.
What Information You Need Before You Start
| Wire Type | Information Needed |
|---|---|
| Domestic | Recipient's full name, bank name, routing number, account number |
| International | Recipient's full name, bank name, SWIFT code, account number (IBAN if required by country) |
Double-check that the recipient's name matches their account exactly — banks will reject or delay a wire if the name does not match. The routing number for a domestic wire must be a valid nine-digit number; if you are unsure, ask the recipient or their bank rather than guessing.
For international wires, the SWIFT code is critical. It is usually available on the recipient's bank statement or the bank's website. If you cannot find it, call the recipient's bank and ask for the SWIFT code for wire transfers.
Timing and When Your Wire Arrives
Domestic wires sent through Chase before 2 p.m. ET on a business day (Monday through Friday, excluding federal holidays) will usually arrive at the recipient's bank the same day. Wires sent after 2 p.m. or on weekends will be processed the next business day.
International wires take longer — typically three to five business days depending on the receiving country and bank. Some countries have faster corridors; for example, wires to Canada or Mexico may arrive in one to two business days. Chase cannot may provide exact timing for international wires because the receiving bank controls the final step.
Once Chase sends the wire, you cannot stop it or reverse it. If you made a mistake with the recipient's account number or routing number, contact Chase when ready — they may be able to recall the wire if the receiving bank has not yet processed it, but this is not may provide.
Wire Transfer Limits at Chase
Chase does not publish a single wire transfer limit that applies to all customers. Limits depend on your account type, your history with Chase, and whether you are sending a domestic or international wire. Most checking and savings accounts have a daily limit, but the exact amount varies.
If you are unsure of your limit, log into Chase.com and attempt to enter the amount you want to send — the system will tell you if you have exceeded your limit. You can also call Chase customer service or visit a branch to ask about your specific limit or to request a temporary increase for a large wire.
Frequently Asked Questions
Can I cancel a wire transfer after I send it?
Not reliably. Once Chase submits a wire, it is out of your control. Contact Chase when ready if you need to cancel, and they will try to recall it, but the receiving bank may have already processed it. If the money has been deposited, you would need to contact the recipient to ask them to return it.
What if I send a wire to the wrong account number?
The wire will go to whatever account number you provided. If that account belongs to someone else, the receiving bank may reject it and send it back to Chase, or it may sit in that account. Contact Chase right away with the confirmation number and explain the error. They can attempt a recall, but success is not may provide.
Do I need to tell the recipient I am sending a wire?
It is a good idea to let them know the amount and approximate timing so they are expecting it and can watch for it. Include a reference note in the wire (like an invoice number or your name) so the recipient knows who sent it. Without a note, the recipient may not know where the money came from.
Why did my wire take longer than one business day?
Domestic wires sent after 2 p.m. ET or on weekends are processed the next business day. International wires take three to five business days. The receiving bank may also delay posting the funds to the recipient's account even after they receive it from Chase.
Can I send a wire from a savings account or only from checking?
You can send a wire from either a Chase checking or savings account. The process is the same regardless of account type. The funds are deducted from whichever account you select when you set up the transfer.