How to send a wire transfer at Chase

You can send a wire transfer through Chase using online banking, the Chase mobile app, or by visiting a branch in person. The fastest route is usually online or the app if you have the recipient's banking details ready. If you're sending money for the first time to someone, Chase will ask you to set up that recipient in your account before the transfer goes through.

To send a wire online, log into Chase.com, go to the Transfers section, and select "Send Money." Choose "Wire Transfer" from the options. You'll enter the recipient's name, bank name, routing number, and account number. Chase will show you the fee (typically $15 to $25 for domestic wires, higher for international) and the delivery timeframe before you confirm. The transfer usually leaves your account the same business day if sent before the bank's cutoff time, which is typically 2 p.m. Eastern Time on weekdays.

Key Takeaways

  • Chase lets you send wires online, through the mobile app, or at a branch, and most domestic wires sent before 2 p.m. Eastern Time on a business day leave the same day.
  • You need the recipient's full name, their bank's routing number, and their account number to complete a wire transfer.
  • Chase charges a fee for wire transfers — typically $15 for domestic wires and more for international transfers — and shows this fee before you confirm.
  • If you're sending to a new recipient for the first time, Chase requires you to add them to your account first, which takes a few minutes.
  • International wires take longer to arrive and may require additional information like the recipient's SWIFT code or address.

Setting up a new recipient for the first time

Before you can send a wire to someone, Chase requires you to add them as a recipient in your account. This is a one-time step. Log into Chase.com, go to Transfers, and select "Add Recipient" or "Manage Recipients." Enter the recipient's full name, their bank name, routing number, and account number. Chase will verify this information — this usually takes a few minutes but can take up to 24 hours.

Once the recipient is verified, you can send them a wire transfer when ready. If you're in a hurry and the verification hasn't completed, you can still visit a Chase branch and send the wire in person; a banker can often complete it faster. For international recipients, you'll also need their SWIFT code (an eight or eleven-character code that identifies their bank worldwide) and sometimes their address.

Wire transfer fees and timing at Chase

Chase charges $15 for a domestic wire transfer (money sent within the United States). International wire transfers cost $45. These fees are deducted from your account at the time you send the wire, and Chase shows you the exact amount before you confirm the transfer.

Domestic wires sent before 2 p.m. Eastern Time on a business day typically arrive the same day. Wires sent after 2 p.m. or on weekends and holidays are processed the next business day. International wires take longer — usually three to five business days — because they pass through multiple banks and clearing systems. The receiving bank may also hold the funds for a day or two before crediting them to the recipient's account.

Sending a wire through the Chase mobile app

The Chase mobile app works the same way as the website. Open the app, tap "Transfers," then "Send Money," and select "Wire Transfer." Enter or select the recipient, review the fee and amount, and confirm. The app will send you a confirmation number once the wire is submitted. You can check the status of recent wires in the Transfers section of the app.

One advantage of the app is that you can send a wire from anywhere — you don't need to be at a computer or in a branch. However, the same cutoff times explore: wires sent after 2 p.m. Eastern Time on a business day won't leave until the next business day.

Sending a wire in person at a Chase branch

If you prefer to send a wire in person or don't have online access, visit any Chase branch with your ID and the recipient's banking information. A banker will fill out the wire transfer form with you, verify the details, and process the transfer. In-person wires are subject to the same fees and timing as online wires, but a banker can sometimes resolve issues or answer questions on the spot.

Bring the recipient's full name, their bank name, routing number, and account number. If it's an international wire, also bring their SWIFT code and address if you have it. The banker will show you the fee before processing and give you a confirmation number for your records.

What information you need to provide

To send a wire transfer through Chase, you must have the following information about the recipient:

  • Recipient's full name (exactly as it appears on their bank account)
  • Recipient's bank name
  • Recipient's routing number (a nine-digit code for U.S. banks)
  • Recipient's account number

For international wires, you'll also need the recipient's SWIFT code and sometimes their address. If any of this information is wrong or incomplete, the wire may be delayed or sent to the wrong account. Double-check everything before you confirm. If you're unsure about the routing number or SWIFT code, ask the recipient or their bank — it's better to verify than to send money to the wrong place.

Canceling or recalling a wire transfer

Once a wire transfer leaves your Chase account, it's difficult to stop or reverse. If you realize you made a mistake when ready after sending, contact Chase right away — call the number on the back of your debit card or visit a branch. Chase can sometimes recall a wire if it hasn't been delivered yet, but this is not may provide and may take several days.

If the wire has already been delivered to the recipient's bank, Chase cannot reverse it. You would need to contact the recipient directly and ask them to return the money. This is why it's important to verify all recipient details before confirming a wire transfer. There is no undo button once the money leaves Chase's system.

Frequently Asked Questions

How long does a Chase wire transfer take?

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

Can I send a wire transfer on a weekend?

You can submit a wire transfer through the Chase app or website on a weekend, but it won't be processed until the next business day. If you need to send money urgently on a weekend, visit a Chase branch — some branches have extended hours, though the wire will still process on the next business day.

What happens if I enter the wrong account number?

If the account number doesn't match any account at the receiving bank, the wire may be rejected and returned to your Chase account within a few business days. If the number matches a different account at that bank, the money will go to that account instead. This is why verifying the recipient's information is critical before sending.

Can I send a wire transfer from a savings account?

Yes, you can send a wire from either a Chase checking or savings account. The process is the same, and the fee applies regardless of which account type you use.

Is there a limit on how much I can wire?

Chase does not publish a single wire transfer limit that applies to all customers. Limits vary based on your account history, account type, and relationship with the bank. Contact Chase directly or check your account settings online to see your specific limit. If you need to send more than your limit, a banker at a branch may be able to help.