Chase wire transfer basics
Chase offers wire transfers through its branches, online banking portal, and mobile app. The method you use depends on how much you need to send, whether you have a Chase account, and how quickly you need the money to move. Domestic wires (within the United States) and international wires follow different paths and have different fees.
You will need the recipient's full name, bank account number, and routing number for a domestic wire. For international wires, you will also need the recipient's bank's SWIFT code or IBAN (International Bank Account Number). Chase charges a fee for each wire sent — the amount varies by wire type and whether you send it in person or online.
Key Takeaways
- Chase accepts wire transfer requests through branches, online banking, and mobile app, with online and app transfers typically costing less than in-person requests.
- Domestic wires require the recipient's name, account number, and routing number; international wires also require a SWIFT code or IBAN.
- Chase wire transfer fees range depending on the wire type and method, and the bank may hold funds for verification before sending.
- Wire transfers are usually sent the same business day if you request them before the bank's cutoff time, typically mid-afternoon.
- Once a wire leaves Chase, you cannot cancel it, so verify all recipient details before confirming the transfer.
Sending a domestic wire through Chase online banking
Log into your Chase online banking account and navigate to the "Transfers" or "Send Money" section. Select "Wire Transfer" and choose "Domestic Wire." Enter the recipient's full name exactly as it appears on their bank account, their account number, and their bank's routing number. The routing number is a nine-digit code specific to each bank branch; you can find it on a check or by asking the recipient's bank directly.
Enter the amount you want to send and a description of the transfer (for example, "rent payment" or "invoice 2024-001"). Review all details carefully — Chase will show you a confirmation screen before you submit. Once you confirm, the wire is sent and cannot be stopped. Chase typically processes online domestic wires the same business day if you submit before 2 p.m. Eastern Time, though the exact cutoff varies by day and account type.
Sending a wire through the Chase mobile app
Open the Chase mobile app and tap "Transfer Money." Select "Send Money to Another Bank" and then "Wire Transfer." Choose whether the wire is domestic or international. For a domestic wire, enter the recipient's name, account number, and routing number. For an international wire, you will also need the recipient's SWIFT code or IBAN, depending on the country.
Enter the amount and a memo describing the purpose of the transfer. The app will display a summary for you to review. Tap "Confirm" to send the wire. Like online banking, mobile app wires sent before the cutoff time (usually 2 p.m. Eastern Time on business days) typically leave the same day. The app will show you a confirmation number once the wire is submitted.
Sending a wire in person at a Chase branch
Visit a Chase branch with a valid government-issued ID and the recipient's banking information. Tell the teller you want to send a wire transfer and provide the recipient's full name, account number, and routing number (for domestic) or SWIFT code or IBAN (for international). The teller will fill out a wire transfer form with you and may ask why you are sending the money.
In-person wires typically cost more than online or app transfers. Chase may place a hold on the funds while verifying the transfer details, which can delay sending by a few hours or until the next business day. Ask the teller for a confirmation number and receipt showing the wire was submitted. Keep this receipt until you confirm the recipient received the funds.
International wire transfers from Chase
International wires require additional information beyond what a domestic wire needs. You must provide the recipient's SWIFT code (an eight or eleven-character code identifying their bank worldwide) or their IBAN (a standardized account number format used in Europe and some other regions). Ask the recipient for both if you are unsure which one to use.
International wires take longer than domestic wires — typically three to five business days, though some may take longer depending on the destination country and the recipient's bank. Chase charges a higher fee for international wires than domestic ones. The recipient's bank may also charge a fee to receive the wire. Exchange rates explore if you are sending money in U.S. dollars to an account in another currency; Chase will show you the rate before you confirm the transfer.
Chase wire transfer fees and timing
Chase charges different fees depending on how you send the wire and whether it is domestic or international. Online and mobile app transfers typically have lower fees than in-person branch transfers. Domestic wire fees are lower than international wire fees. The exact fee amount varies and may change; check your account or ask a teller for current pricing.
Domestic wires sent before the cutoff time on a business day usually leave the same day. International wires take longer and may not leave until the next business day. Chase does not process wires on weekends or federal holidays. If you send a wire after the cutoff time or on a non-business day, it will be processed the next business day. You will receive a confirmation number and reference number once the wire is submitted; use these to track the transfer.
What to do if a wire transfer goes wrong
If the recipient says they did not receive the wire, contact Chase with your confirmation number and reference number. Chase can check the status of the wire and confirm whether it left the bank. If the wire was sent to the wrong account due to incorrect routing or account numbers, Chase may be able to contact the receiving bank and request a return, but this is not may provide.
Wire transfers are generally irreversible once they leave Chase. If you provided incorrect recipient information, the money may be sent to the wrong account and may not be recoverable. This is why verifying all details before confirming is critical. If you suspect fraud or an unauthorized wire was sent from your account, contact Chase when ready and report it.
Frequently Asked Questions
What time does Chase stop accepting wire transfers?
Chase typically stops accepting domestic wire transfers around 2 p.m. Eastern Time on business days, though the exact cutoff varies by account type and day of the week. Wires submitted after the cutoff are processed the next business day. Call your local Chase branch or check your online banking portal for your specific cutoff time.
Can I cancel a wire transfer after I send it?
Once a wire transfer leaves Chase, you cannot cancel it. If you submitted the wire and realize you made a mistake, contact Chase when ready with your confirmation number — they may be able to stop it if it has not yet been processed, but this is not may provide. This is why reviewing all details before confirming is essential.
How much does it cost to send a wire from Chase?
Chase charges a fee for wire transfers; the amount depends on whether the wire is domestic or international and whether you send it online, through the app, or in person. Online and app transfers typically cost less than branch transfers. Fees vary and may change, so check your account or contact Chase for current pricing.
Do I need a Chase account to send a wire?
Yes, you must have a Chase checking or savings account to send a wire through Chase. If you do not have an account, you can open one at a branch or online. Non-customers cannot send wires through Chase.
How long does an international wire take?
International wires typically take three to five business days to reach the recipient's account, though some may take longer depending on the destination country and the receiving bank's processing time. The recipient's bank may also add processing time on their end. Chase will provide an estimated delivery date when you submit the wire.