Chase Wire Transfer Fees

Chase charges a fee to send a wire transfer, but the amount depends on whether you're sending money within the United States or internationally. Domestic wires (money staying in the U.S.) cost $15 per transaction. International wires cost $45 per outgoing transfer. These fees are deducted from your account when you send the wire, so the total amount that leaves your account is the transfer amount plus the fee.

Chase does not charge a fee to receive a wire transfer, whether it arrives from inside or outside the U.S. If someone is sending you money by wire, there is no charge on your end.

Some Chase account types may offer fee waivers or reductions. Certain premium checking accounts and investment accounts come with benefits that can cover wire fees, so it's worth checking your specific account terms or asking a Chase representative whether your account qualifies for any fee relief.

Key Takeaways

  • Domestic wire transfers through Chase cost $15 per transaction; international wires cost $45.
  • The wire fee is taken from your account balance at the time you send the transfer.
  • You pay no fee to receive a wire transfer, whether it comes from the U.S. or abroad.
  • Some Chase account types waive or reduce wire fees as part of their account benefits.
  • Wire fees are separate from any fees your receiving bank might charge on their end.

When You'll See the Charge

The wire fee appears in your account when ready after you send the transfer. If you send a $500 domestic wire, $515 total leaves your account — the $500 plus the $15 fee. The fee shows as a separate line item in your transaction history, labeled as a wire transfer fee or wire charge.

The timing of when the receiving bank gets the money is separate from when you're charged. You pay the fee right away, but the actual transfer can take anywhere from a few hours to a business day or two to reach the other bank, depending on whether it's domestic or international and what time you send it.

Domestic vs. International Wire Costs

A domestic wire stays within the U.S. banking system and costs $15. This includes transfers to another person's account at any U.S. bank, to a business, or to your own account at a different bank.

An international wire goes to a bank account outside the U.S. and costs $45. This is true whether you're sending to Canada, Europe, Asia, or anywhere else. International wires often take longer to process — sometimes several business days — because they move through multiple banking networks and currency exchanges.

Some international transfers also involve currency conversion fees or exchange rate markups that are separate from the $45 wire fee. Chase will show you the exchange rate before you confirm the transfer, so you can see the total cost.

How to Send a Wire Through Chase

You can send a wire through Chase online, through the mobile app, or by calling a branch. To send a wire, you'll need the recipient's full name, their bank account number, and their bank's routing number (for domestic) or SWIFT code (for international). For international wires, you may also need the recipient's bank address.

Online and mobile transfers are usually processed when ready if you send them during business hours. Calls to a branch may take longer, and wires sent after hours or on weekends typically process the next business day. Once you confirm the wire, you cannot cancel it, so double-check all the details before you submit.

Chase will give you a confirmation number when the wire is sent. Keep this number in case you need to track the transfer or contact Chase about it later.

Fee Waivers for Premium Accounts

Chase offers several account tiers, and some include wire fee benefits. Chase Premier Plus checking accounts and certain investment accounts may waive wire fees or reduce them. The exact benefits vary by account type and can change, so check your account agreement or contact Chase directly to see what you have.

If you send wires regularly, the fee waiver might pay for itself quickly. For example, if you send two domestic wires a month, a fee waiver saves you $30 annually. Some customers upgrade to a higher-tier account specifically for this benefit if they wire money often.

Comparing Chase Wire Fees to Other Banks

Chase's domestic wire fee of $15 is typical for large banks. Bank of America, Wells Fargo, and Citibank charge similar amounts for domestic wires. Some smaller banks and credit unions charge less — sometimes $10 or even $0 — but may have other account requirements or lower overall service levels.

International wire fees vary more widely. Some banks charge $30 to $50, while others charge $25 or less. Credit unions sometimes offer lower international wire fees to members. If you send international wires regularly, it may be worth comparing fees across banks, though the difference is usually only $10 to $20 per transaction.

What Happens If You Don't Have Enough Money

If your account balance is less than the transfer amount plus the fee, Chase will not send the wire. For example, if you have $500 and try to send a $500 domestic wire, you'll get an error because you need $515 total. You'll have to add funds to your account or reduce the transfer amount.

Chase does not charge a fee for a failed wire attempt, so there's no penalty if you don't have enough money. You can try again once you've deposited more funds.

Frequently Asked Questions

Can I get a refund if I sent a wire by mistake?

No, wires cannot be canceled or reversed once they're sent. If you sent money to the wrong account or the wrong amount, you'll need to contact the receiving bank and ask them to return it, which they may or may not do. Always verify the recipient's details before you confirm a wire.

Do I pay the wire fee if the transfer fails?

No. If the wire fails because of incorrect information or insufficient funds, Chase does not charge the fee. You only pay if the wire is actually sent.

Why does an international wire cost more than a domestic one?

International wires move through multiple banking networks and currency systems, which requires more processing steps and coordination between banks. The higher fee reflects this added complexity and time.

Can I send a wire from my savings account?

Yes, you can send a wire from most Chase savings accounts, though some restrictions may explore depending on your account type. The fee is the same whether you send from checking or savings. Contact Chase if you're unsure whether your specific savings account allows outgoing wires.

What's the maximum amount I can wire?

Chase sets daily and monthly wire limits that vary by account type and how long you've been a customer. New accounts typically have lower limits. You can check your limit in the online banking portal or by calling Chase. If you need to send more than your limit, you can request a temporary increase.