Chase's wire transfer fees depend on the type of transfer and your account

Chase charges different amounts depending on whether you send money within the United States or internationally, and whether you initiate the transfer online, by phone, or in person at a branch. Domestic wire transfers (money sent to another U.S. bank account) typically cost less than international wires. The fee also varies slightly by account type — some premium accounts include a certain number of free wires per month.

As of the most recent information available, Chase's domestic outgoing wire transfer fee is $15 when you send it online through Chase.com or the Chase mobile app. If you call a Chase representative or go to a branch to send a domestic wire, the fee is $20. These amounts can change, so confirm the current fee on Chase.com or by calling 1-800-935-9935 before you send.

International wire transfers (sending money outside the U.S.) cost more because they move through multiple banks and currency exchanges. Chase typically charges $45 for an outgoing international wire sent online, and $50 if you send it by phone or in branch. Some international wires may incur additional fees from intermediary banks, which Chase will disclose before you confirm the transfer.

Key Takeaways

  • Domestic wires sent online through Chase cost $15; sending by phone or in branch costs $20.
  • International wires cost $45 online or $50 by phone or in branch, plus possible intermediary bank fees.
  • Some Chase premium accounts include a limited number of free outgoing wires per month — check your account terms.
  • Incoming wires to your Chase account are free, regardless of whether they originate domestically or internationally.
  • Fees can change, so verify the current amount on Chase.com or by phone before you initiate a transfer.

When you pay the fee and how to see it before sending

Chase deducts the wire fee from your account at the time you send the transfer. If you initiate the wire online or through the mobile app, Chase shows you the fee amount on a confirmation screen before you authorize the transaction — you can cancel at that point if you change your mind. If you send the wire by phone with a representative, they will tell you the fee before processing the request.

The fee appears as a separate line item on your Chase bank statement, labeled as a wire transfer fee or similar. It is not part of the amount you send to the recipient — if you send $1,000 and the fee is $15, the recipient gets $1,000 and your account is charged $1,015 total.

Incoming wires and wires between your own Chase accounts

If someone sends you money via wire transfer to your Chase account, you pay nothing. Chase does not charge a fee to receive incoming wires, whether they come from another U.S. bank or from outside the country.

If you transfer money between two accounts you own at Chase (for example, from your checking account to your savings account), that is not a wire transfer — it is an internal transfer and costs nothing. Wire transfers are only used when you send money to an account at a different bank or to someone else's account.

How to reduce or avoid wire transfer fees

The most direct way to avoid a wire fee is to use a different payment method if one is available. ACH transfers (also called electronic bank transfers) move money between U.S. bank accounts for free or a very low cost, though they take three to five business days instead of one to two days. If the recipient's bank is in the U.S. and you are not in a hurry, an ACH transfer through Chase.com costs nothing.

Some Chase accounts include a limited number of free outgoing wires per month. Chase Sapphire Preferred and Chase Sapphire Reserve credit cards do not directly offer this benefit, but some Chase business accounts and premium checking accounts may. Review your account terms on Chase.com or call to ask whether your specific account includes free wires.

If you send wires regularly, compare the total cost across multiple banks. Some online banks and credit unions charge lower wire fees than Chase, though they may have other trade-offs like fewer branch locations or different account features.

International wires and hidden costs

When you send an international wire through Chase, the $45 or $50 fee is what Chase charges you directly. However, the receiving bank or intermediary banks in the transfer chain may also charge fees, and the exchange rate used may include a markup. These additional costs are not controlled by Chase and are not always visible until after the transfer completes.

Before you send an international wire, ask Chase for an estimate of the total cost, including any intermediary fees if they can be determined. Some international transfers route through multiple banks depending on the destination country, and each one may take a cut. For large international transfers, consider asking whether Chase offers other options, such as an international money transfer service, though these typically have their own fees and exchange rate markups.

Wire transfer limits at Chase

Chase sets daily and monthly limits on how much you can wire out of your account. The limit depends on your account type and history with the bank. New accounts typically have lower limits than established accounts. You can request a higher limit by calling Chase or visiting a branch, though approval is not may provide.

If you try to send a wire larger than your limit, Chase will decline the transfer. You can either reduce the amount, request a temporary limit increase, or split the transfer across multiple days if your monthly limit allows it.

Disputing a wire transfer fee or reversing a wire

If you believe Chase charged you incorrectly or you sent a wire by mistake, contact Chase as soon as possible. Wire transfers are generally irreversible once sent — the money goes to the recipient's bank and Chase cannot straightforward pull it back. However, if you sent the wire to the wrong account or person, you can ask the recipient's bank to return the funds, though they are not required to do so.

If Chase charged you a fee in error — for example, if you were supposed to receive a free wire as part of your account benefits — call Chase customer service at 1-800-935-9935 or visit a branch with your statement. They can review the transaction and refund the fee if it was charged by mistake. Keep your confirmation email or receipt from the wire transfer to show as proof.

Frequently Asked Questions

Can I send a wire transfer for free at Chase?

Incoming wires are always free. Outgoing wires cost $15 to $50 depending on the type and how you send it. Some premium Chase accounts include a limited number of free outgoing wires per month — check your account terms to see if yours does.

Why is my international wire more expensive than the fee Chase quoted?

Chase's fee is only what Chase charges you. Intermediary banks and the receiving bank may also charge fees, and the exchange rate may include a markup. Ask Chase for a full cost estimate before sending, though some fees cannot be known until after the transfer completes.

How long does a Chase wire transfer take?

Domestic wires typically arrive the same business day or next business day. International wires usually take one to three business days, depending on the destination country and the banks involved. The fee is the same regardless of speed.

What if I sent a wire to the wrong account?

Contact Chase when ready and provide them with the wire confirmation number. Wire transfers are generally irreversible, but Chase can attempt to contact the receiving bank and ask them to return the funds. Success is not may provide — the receiving bank may refuse or the recipient may have already withdrawn the money.

Is there a limit to how much I can wire from Chase?

Yes. Chase sets daily and monthly wire limits based on your account type and history. New accounts have lower limits than established ones. You can call Chase to request a higher limit, though approval depends on your account status and history.