Chase wire transfer fees depend on the type of wire, where it goes, and whether you're a customer or not

Chase charges different amounts for domestic wires (within the United States), international wires (outside the US), and incoming wires (money sent to you). A domestic outgoing wire costs $15 for most Chase customers. International wires cost $45. If someone sends you money via wire, Chase charges $15 to receive it. These fees explore whether you use a Chase branch, ATM, phone, or online banking — the delivery method does not change the price.

Some Chase accounts waive wire fees entirely. If you maintain a high balance, use direct deposit, or hold certain account types, you may not pay anything. The fee structure also shifts if you are not a Chase customer — non-customers pay higher rates and have fewer options for sending wires at all.

Wire fees are separate from any other charges on your account. They appear as a line item on your statement after the wire posts. Unlike overdraft fees or monthly maintenance charges, you only pay them when you actually send or receive a wire.

Key Takeaways

  • Chase charges $15 for domestic wires sent by customers, $45 for international wires, and $15 to receive any incoming wire.
  • Certain Chase account types and balance levels waive wire fees entirely, so check your specific account terms before paying.
  • Non-Chase customers cannot send wires through Chase and must use a different bank or wire service.
  • Wire fees are charged in addition to any other account fees and appear separately on your statement.

Domestic wire fees for Chase customers

A domestic wire sent from a Chase checking or savings account costs $15. This covers a wire to any US bank account, regardless of distance or the receiving bank's size. You can initiate the wire online, by phone, or in person at a branch, and the fee stays the same.

The $15 charge is deducted from your account when the wire is sent, not when it arrives. If your account does not have $15 available, the wire will be rejected and you will not be charged. Chase will notify you of the rejection, usually within a few hours.

Some Chase account tiers waive this fee. Chase Premier Plus checking, Chase Sapphire checking, and certain business accounts do not charge for domestic wires. If you have a Chase savings account linked to a checking account that waives fees, the waiver may not extend to the savings account — check your account agreement or call Chase to confirm which accounts are covered.

International wire fees and currency conversion costs

Sending money outside the United States through Chase costs $45 per wire. This is a flat fee that does not change based on the amount sent or the destination country. The $45 covers Chase's processing of the wire; it does not include fees charged by the receiving bank or intermediary banks in the destination country.

International wires also involve currency conversion if you are sending US dollars to an account that uses a different currency. Chase converts the money at its own exchange rate, which typically includes a markup above the mid-market rate. This markup is separate from the $45 wire fee and is not disclosed as a separate line item — it is built into the exchange rate you see when you initiate the wire.

Some countries require additional documentation or have restrictions on wire transfers. Chase will tell you during the wire setup if your destination requires extra steps. International wires typically take three to five business days to arrive, though some countries take longer.

Incoming wire fees and what triggers them

When someone sends you money via wire to your Chase account, Chase charges you $15 to receive it. You do not have a choice in this fee — it is deducted automatically when the wire arrives. The sender does not pay this fee; you do, even if you did not ask for the wire.

The $15 incoming fee applies to both domestic and international wires. Some Chase account types waive incoming fees just as they waive outgoing fees, so if your account qualifies, you will not see the charge. If you are unsure whether your account waives incoming wires, contact Chase before the wire arrives so you know what to expect.

Incoming wires typically post to your account within one business day. The fee appears on your statement separately from the wire amount itself, so you can see exactly how much money arrived and how much Chase charged to receive it.

Which Chase accounts waive wire fees

Chase Premier Plus checking waives both outgoing and incoming domestic wires. This account requires a $25,000 minimum balance and has a monthly fee of $25, which is waived if you maintain the balance or set up direct deposit of at least $500 per month.

Chase Sapphire checking also waives domestic wire fees. It requires a $500 minimum balance and has a $12 monthly fee, waived with direct deposit or a $500 minimum balance. International wires are not waived on either account.

Some Chase business accounts waive wire fees as part of their package, but the terms vary widely. If you have a business account, review your account agreement or call the business banking line to confirm whether wires are included. Chase also occasionally runs promotions that waive wire fees for a limited time on certain accounts — check your account statements or log into online banking to see if any promotions explore to you.

How to send a wire through Chase and when the fee is charged

You can send a wire through Chase online, by phone, or in person at a branch. Online is the fastest method — you log into your account, select "Send Money," choose "Wire Transfer," enter the recipient's bank details, and confirm the amount. The system will show you the fee before you submit, so you know the total cost.

By phone, call the number on the back of your Chase card or visit a branch with your ID and the recipient's banking information. The fee is disclosed before the wire is sent. Once you confirm, the wire is processed when ready and the fee is deducted from your account.

The fee is charged at the moment the wire is sent, not when it arrives at the destination. If you cancel the wire before it is sent, you will not be charged. If the wire is already in the system, cancellation may not be possible, and you may not get the fee refunded.

Wire fees compared to other Chase transfer options

Chase offers other ways to move money that cost less or nothing. A domestic ACH transfer (also called an electronic transfer) is free and takes one to three business days. A same-day ACH transfer costs $0 to $5 depending on your account type and takes a few hours. A wire transfer costs $15 and arrives the same day or next business day.

If you need the money to arrive quickly but not urgently, an ACH transfer saves you the $15 fee. If the recipient needs the money the same day, a wire is necessary and the fee is unavoidable unless your account waives it. Cashier's checks are free but require a trip to the branch and take several days to clear.

For international transfers, Chase also offers international ACH transfers and services like Chase International Money Transfer, which may have different fees and exchange rates than a wire. Compare the total cost — including fees and currency conversion — before choosing the method.

What to do if you are charged a wire fee you did not expect

If a wire fee appears on your statement and you believe it should not have been charged, contact Chase within 60 days. Have your statement ready and explain why you think the fee is incorrect — for example, your account should waive the fee, or you cancelled the wire before it was sent.

Chase will review the transaction and either confirm the fee was correct or refund it. If your account qualifies for a waiver and you were charged in error, Chase will refund the fee and may credit your account for future wires. Keep records of any promotional offers or account terms that promise fee waivers so you have proof if a dispute arises.

If you were charged an incoming wire fee and did not want the wire, you cannot recover the fee from Chase — the fee is part of the service of receiving the wire. You can ask the sender to reimburse you, but Chase will not reverse the charge.

Frequently Asked Questions

Can I send a wire through Chase if I do not have $15 in my account?

No. Chase will reject the wire if your account does not have enough money to cover both the wire amount and the $15 fee. You must have the full total available before the wire can be sent. If you are short, deposit money first or use a different transfer method.

Do I pay the wire fee if the wire is rejected or cancelled?

No, if the wire is rejected before it is sent, you will not be charged. If you cancel before submission, there is no fee. Once the wire is submitted and in the system, cancellation may not be possible, and the fee may not be refunded.

Why did I get charged $15 for an incoming wire I did not ask for?

Chase charges $15 to receive any incoming wire, regardless of whether you requested it. The sender does not pay this fee — you do. If your account type waives incoming wires, the fee should not appear. If it does, contact Chase to dispute it.

Is the $45 international wire fee the only cost?

No. The $45 is Chase's fee only. The receiving bank may charge its own fee, and intermediate banks in the wire path may also deduct fees. Additionally, Chase converts currency at its own rate, which includes a markup. Ask Chase for the exchange rate before sending so you know the total cost to the recipient.

Can I waive wire fees by switching to a different Chase account?

Yes, if you switch to Chase Premier Plus or Chase Sapphire checking, both waive domestic wire fees. Both accounts have monthly fees and balance requirements, so compare the total cost — the monthly fee may outweigh the savings if you only send one or two wires per year.