Chase's international wire fee is $15 for outgoing transfers sent through their standard service

Chase charges a flat $15 fee for each outgoing international wire transfer you send. This fee applies whether you wire $100 or $10,000. The fee is deducted from your account when you initiate the transfer, separate from any currency conversion costs or fees the receiving bank may charge.

The $15 fee covers Chase's processing of your wire instruction. It does not cover intermediary bank fees — banks between Chase and the recipient's bank may each charge their own fees, which can range from $10 to $50 per transfer depending on the receiving country and the banks involved. Those fees are typically deducted from the amount the recipient receives, not charged to you directly.

Chase also offers a faster service called Chase International Express, which costs $25 instead of $15. This service prioritizes your wire and may deliver funds the same business day to certain countries, whereas the standard $15 service typically takes one to three business days. The speed difference depends on the destination country and whether the receiving bank participates in expedited networks.

Key Takeaways

  • Chase charges $15 for a standard outgoing international wire and $25 for Chase International Express, which prioritizes delivery.
  • The $15 or $25 fee is Chase's charge only; intermediary banks and the receiving bank may deduct additional fees from the amount received.
  • Standard international wires typically arrive in one to three business days, while Express service may deliver the same day to certain countries.
  • You can initiate an international wire through Chase's website, mobile app, or by visiting a branch, and the fee is charged to your account at the time you send it.

How to send an international wire through Chase

Log into Chase's website or mobile app and select "Send money" or "Wire transfer" from the menu. Choose "International wire" and enter the recipient's bank details, including their full name, bank name, account number, and the bank's SWIFT code or routing number. You will also need to specify the amount in U.S. dollars and confirm whether you want the standard $15 service or the $25 Express option.

Chase will show you an estimate of how much the recipient will receive after currency conversion and any intermediary fees. Review this carefully — the estimate is not may provide if exchange rates move before the wire settles, but it gives you a realistic picture of what the recipient should expect. Once you confirm, the $15 or $25 fee is charged when ready, and Chase sends your wire instruction to the receiving bank.

If you prefer not to use online banking, you can visit a Chase branch and ask a teller to send an international wire. The fee is the same, but processing may take longer because the teller must enter your information manually and route it through the branch system.

When intermediary bank fees reduce what the recipient gets

International wires often pass through one or more intermediary banks before reaching the recipient's bank. Each intermediary bank can charge a fee — typically $10 to $50 — for processing the wire. These fees are usually deducted from the amount the recipient receives, not charged to you as a separate bill.

For example, if you send $1,000 and Chase charges $15, you pay $1,015 total. But if the wire passes through two intermediary banks that each charge $25, the recipient may receive only $950 instead of $1,000. You will not see those intermediary fees on your Chase statement; they appear as a reduction in the amount the recipient's bank deposits.

To minimize intermediary fees, ask the recipient's bank whether they have a direct relationship with Chase or with a major international bank network. If they do, the wire may bypass intermediaries and arrive with fewer deductions. Some countries have banking networks that reduce intermediary fees for transfers within the region.

Differences between Chase International Express and standard service

The main difference is speed and cost. Chase International Express costs $25 and prioritizes your wire for same-day or next-day delivery to participating banks in major financial centers. Standard service costs $15 and typically takes one to three business days. Both services use the same SWIFT network, but Express wires are flagged as urgent and processed ahead of standard wires.

Express service is most useful if you are sending to a bank in a major city in Europe, Asia, or the Middle East, where same-day delivery is common. If you are sending to a smaller city or a developing country, Express may still take two to three days because the receiving bank may not have the infrastructure for same-day processing. Chase's website will tell you the expected delivery time for your specific destination when you enter the recipient's bank details.

Neither service guarantees delivery by a specific time. If the receiving bank is closed or if there is a holiday, the wire will arrive when the bank reopens. Chase is not responsible for delays caused by the receiving bank or intermediary banks.

What information you need to send an international wire

Before you initiate a wire, gather the following details from the recipient or their bank:

  • Recipient's full name (exactly as it appears on their bank account)
  • Recipient's bank name and address
  • Recipient's account number
  • Recipient's bank's SWIFT code (an eight- or eleven-character code that identifies the bank internationally)
  • Recipient's bank's routing number or ABA number (if available)
  • The amount you want to send in U.S. dollars

If any of this information is incorrect or incomplete, Chase will reject the wire or it will arrive at the wrong bank. Ask the recipient to confirm their details with their bank before you send the wire. Many international wire delays and lost transfers happen because a single digit in the account number or SWIFT code was wrong.

Fees for incoming international wires to your Chase account

If someone sends you an international wire to your Chase account, Chase charges you a $15 fee to receive it. This fee is deducted from the amount deposited into your account. So if someone sends you $1,000, you will receive $985 after Chase's $15 receiving fee.

Some Chase accounts waive the incoming wire fee if you meet certain requirements — for example, maintaining a minimum balance or having a premium checking account. Check your account details or call Chase to confirm whether your account qualifies for fee waivers.

The sender may also have paid a fee on their end, and intermediary banks may have deducted fees from the wire. By the time the money reaches your account, it may be significantly less than what the sender intended to send. Always ask the sender to confirm the amount they are sending so you can verify that you received the correct total after all fees.

Frequently Asked Questions

Can I cancel an international wire after I send it?

Once Chase sends an international wire, it cannot be stopped or recalled. The wire is out of Chase's control and in the hands of the receiving bank. If you sent the wire to the wrong recipient or with incorrect details, contact Chase when ready — they may be able to contact the receiving bank and ask them to return the funds, but this is not may provide and can take weeks.

Why did the recipient receive less than I sent?

Intermediary banks and the receiving bank deducted fees from the wire. If you sent $1,000 and the recipient received $950, the $50 difference went to banks that processed the wire. This is normal for international transfers. To avoid this, ask the recipient's bank if they can receive wires with fees paid by the sender instead of the recipient — this shifts the fee burden to you but ensures the recipient gets the full amount.

Does Chase offer a cheaper way to send money internationally?

Chase offers international wire transfers, but for smaller amounts or frequent transfers to the same recipient, other services like Wise (formerly TransferWise) or OFX may have lower fees and better exchange rates. These services are not banks and do not use the SWIFT network, so they work differently and may take longer. Compare fees and exchange rates before you choose a service.

What is a SWIFT code and where do I find it?

A SWIFT code is an eight- or eleven-character code that identifies a specific bank branch internationally. It is similar to a routing number in the U.S. The recipient's bank will provide it, or you can search for it on the SWIFT website or your recipient's bank's website. Without the correct SWIFT code, your wire may be rejected or delayed.

How long does an international wire actually take?

Chase's standard service typically takes one to three business days, and Express service may take the same day or next day to major financial centers. However, the actual time depends on the receiving bank's processing speed and whether there are holidays or weekends in between. Wires sent on Friday may not arrive until Tuesday because banks do not process wires on weekends.