What Chase offers for international wire transfers

Chase lets you send money outside the United States through its international wire transfer service, available to customers with checking or savings accounts. You can initiate a transfer online, by phone, or in person at a branch. Chase handles the transfer through its own network and correspondent banks — financial institutions in other countries that process the payment on the receiving end.

The service works for transfers to most countries, though some destinations have restrictions or require additional information. Chase charges a flat fee for outgoing international wires, and the receiving bank may charge its own fee. The amount that arrives depends on exchange rates at the time of processing and any fees deducted along the way.

Key Takeaways

  • Chase international wire transfers require the recipient's full name, bank account number, and the receiving bank's SWIFT code or routing number, depending on the country.
  • You can send a wire online through Chase.com, by calling Chase at the number on your debit card, or by visiting a branch in person.
  • Chase charges a flat fee for outgoing international wires; the exact amount varies by account type and transfer destination.
  • Transfers typically arrive within one to three business days, though some countries take longer due to time zone differences and local banking processes.
  • The recipient receives the money in the local currency of their country, converted at the exchange rate Chase uses on the day the transfer is processed.

Information you need before sending a wire

Before you initiate a transfer, gather the recipient's banking details. You will need their full legal name exactly as it appears on their bank account, their account number, and the name and address of their bank. Most countries also require the bank's SWIFT code — a standardized eight or eleven-character code that identifies the bank internationally.

Some countries use different routing systems. For example, transfers within Europe may use an IBAN (International Bank Account Number) instead of or in addition to a SWIFT code. If you are unsure which details to provide, ask the recipient to confirm their bank's requirements or contact Chase directly with the recipient's country and bank name.

You will also need to know the amount you want to send. Chase will show you the exchange rate and total fees before you confirm the transfer, so you can see exactly what the recipient will receive.

How to send an international wire through Chase online

Log into Chase.com or the Chase Mobile app and navigate to the transfer or payments section. Select "Send money internationally" or a similar option — the exact wording varies by app version. Enter the recipient's full name, their bank account number, and their bank's SWIFT code or IBAN.

Input the amount you want to send in US dollars. Chase will display the exchange rate, the fee it will charge, and the amount the recipient will receive in their local currency. Review these details carefully, as the final amount may be lower than you expect if fees are deducted from the transfer.

Confirm the transfer. Chase will send a confirmation number to your account. The wire typically processes the same business day if you send it before the cutoff time, which is usually 2 p.m. Eastern Time on weekdays. Transfers sent after the cutoff or on weekends process the next business day.

Sending a wire by phone or at a branch

Call the number on the back of your Chase debit card to speak with a representative who can process an international wire. Have the recipient's banking details and the transfer amount ready. The representative will confirm the exchange rate and fees, then process the wire over the phone.

You can also visit a Chase branch in person. Bring a valid ID and the recipient's complete banking information. A banker will help you complete the transfer and provide a receipt with a confirmation number. In-person transfers may take slightly longer to process than online transfers, but you have the advantage of speaking directly with someone who can answer questions about the recipient's country or bank.

Fees and exchange rates

Chase charges a flat outgoing wire fee for international transfers. The fee amount depends on your account type — some Chase accounts include a certain number of free international wires per month or year, while others charge for every transfer. Check your account terms or call Chase to confirm the fee for your specific account.

The exchange rate Chase uses is set by Chase and may differ from the mid-market rate you see online. Chase typically adds a margin to the mid-market rate, meaning the recipient receives slightly less than if you converted the money at the true market rate. The exact margin varies and is not always disclosed upfront, so the rate you see during the transfer process is the rate that will be applied.

The receiving bank may also charge a fee to accept the wire. This fee is deducted from the amount the recipient receives, not added to what you send. Ask the recipient's bank what fee they charge, if any, so you can send enough to cover both Chase's fee and the receiving bank's fee if you want the recipient to receive a specific amount.

How long the transfer takes

Most international wires from Chase arrive within one to three business days. The exact timing depends on the destination country, the receiving bank's processing speed, and time zone differences. Transfers to major financial centers like Canada, the United Kingdom, and Western Europe typically arrive within one business day. Transfers to other regions may take two to three business days or longer.

Weekends and holidays can delay processing. If you send a wire on Friday afternoon, it may not begin processing until Monday, and the receiving bank may not process it until Tuesday or later. Some countries have their own banking holidays that can add extra days.

Chase provides a confirmation number when you send the wire. Keep this number — if the recipient does not receive the money within the expected timeframe, you can use it to track the transfer or file a claim with Chase.

Countries with restrictions or special requirements

Chase may restrict or prohibit transfers to certain countries due to US government sanctions or Chase's own policies. Countries currently under broad US sanctions include Iran, North Korea, Syria, and Cuba. Transfers to these countries are not available through Chase.

Some countries require additional information beyond the standard banking details. For example, transfers to India may require the recipient's tax identification number, and transfers to China may require specific documentation. When you enter the recipient's country during the online process, Chase will tell you if additional information is needed.

If Chase blocks or restricts a transfer to your intended destination, you may need to use a different bank or a specialized international money transfer service. Contact Chase directly to confirm whether transfers to a specific country are available.

Frequently Asked Questions

Can I cancel an international wire after I send it?

If you cancel before the wire is processed, Chase can stop it. Once the wire has left Chase's system and entered the correspondent bank network, it cannot be recalled. Contact Chase when ready with your confirmation number if you need to cancel. The sooner you call, the better your chances of stopping the transfer before it is too late.

What happens if I enter the wrong account number?

If the account number does not match an account at the receiving bank, the wire may be rejected and returned to your Chase account, usually within five to ten business days. Some banks may hold the money temporarily while they attempt to locate the correct account. Always double-check the account number with the recipient before sending to avoid delays.

Why did the recipient receive less money than I sent?

The difference is almost always due to fees and exchange rates. Chase deducts its outgoing fee from the amount you send, the receiving bank may deduct its own fee, and the exchange rate applied may include a margin above the mid-market rate. Ask the recipient to confirm the exact amount they received and check your Chase confirmation for the fees and rate that were applied.

Can I send an international wire from a savings account?

Yes, Chase allows international wires from both checking and savings accounts. The process is the same, and the fees are typically the same as well. Confirm with Chase whether your specific savings account type has any restrictions on international transfers.

Is there a limit on how much I can send?

Chase does not publish a single maximum wire amount, but limits vary by account type and may be lower for new accounts or accounts with limited transaction history. Your account may have a daily or monthly limit. Check your account terms or call Chase to confirm the limit for your account before sending a large transfer.