What You Need to Send a Wire Through Chase
To send a wire transfer through Chase, you will need the recipient's full name, their bank account number, and their bank's routing number. If the recipient's bank is outside the United States, you will also need the bank's SWIFT code (an eight or eleven-character identifier) and sometimes an IBAN (International Bank Account Number). You can send a wire through Chase online via Chase.com, through the Chase mobile app, by phone at the number on the back of your debit or credit card, or in person at a Chase branch.
Chase charges a fee for wire transfers. Domestic wires typically cost between $15 and $20, depending on whether you send the wire online or through another channel. International wires usually cost more — often $40 to $50 — because they pass through additional banks. Some Chase accounts waive wire fees; check your account terms or ask a Chase representative about your specific account type.
Wire transfers are permanent once sent. Chase cannot reverse a wire after it leaves their system, so verify all recipient information before you confirm the transfer. If you send money to the wrong account, you would need to contact that bank and ask them to return the funds, which they are not required to do.
Key Takeaways
- You need the recipient's full name, account number, and routing number for domestic wires; international wires also require a SWIFT code and sometimes an IBAN.
- Chase charges $15 to $20 for domestic wires and $40 to $50 for international wires, though some account types waive these fees.
- You can initiate a wire online through Chase.com, through the mobile app, by phone, or at a branch.
- Wire transfers cannot be reversed after they are sent, so confirm all details before you submit the transfer.
Sending a Domestic Wire Online or Through the Chase App
Log into Chase.com or open the Chase mobile app and navigate to the "Transfer Money" or "Send Money" section. Select "Send a wire transfer" and choose "Domestic wire" if the recipient's bank is in the United States. 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 that identifies the recipient's bank; you can find it on a check, ask the recipient, or search the Federal Reserve's routing number database online.
Enter the amount you want to send and the date you want the wire to be processed. Chase typically processes wires sent before 2 p.m. Eastern Time on the same business day; wires sent after that time or on weekends and holidays are usually processed the next business day. Review all information carefully, then confirm the transfer. Chase will display a confirmation number; save or screenshot this for your records.
Sending an International Wire Through Chase
Select "International wire" in the transfer section of Chase.com or the mobile app. You will need the recipient's full name, account number, and the recipient bank's SWIFT code. Some banks also require an IBAN, which is a longer account identifier used in Europe and some other regions; ask the recipient or their bank if one is needed. Enter the country where the recipient's bank is located and the amount in U.S. dollars.
Chase will show you the exchange rate and any fees before you confirm. International wires typically take three to five business days to arrive, though this depends on the recipient's bank and country. Some countries have slower banking systems or additional processing steps that can extend the timeline. You will receive a confirmation number; keep this in case you need to track the wire or contact Chase about it later.
Sending a Wire by Phone or at a Chase Branch
Call the number on the back of your Chase debit or credit card to speak with a representative who can process a wire transfer for you. Have the recipient's full name, account number, and routing number (or SWIFT code for international wires) ready before you call. The representative will confirm all details with you, process the wire, and provide a confirmation number. Phone wires are subject to the same fees as online wires.
You can also visit a Chase branch in person to send a wire. Bring a valid photo ID and have the recipient's banking information ready. A branch representative will help you complete the wire transfer form, verify the details, and process the transfer. In-person wires may take slightly longer to process than online wires, and some branches may charge a higher fee for this service.
Information Chase Needs for Different Types of Wires
| Wire Type | Required Information | Typical Fee | Processing Time |
|---|---|---|---|
| Domestic wire | Recipient name, account number, routing number | $15–$20 | Same business day if sent before 2 p.m. ET; next business day otherwise |
| International wire | Recipient name, account number, SWIFT code, sometimes IBAN | $40–$50 | 3–5 business days |
| Wire to another Chase account | Recipient name, account number | Usually free | Same day or next business day |
What Happens After You Send a Wire
Once Chase processes your wire, the money leaves your account when ready and is sent to the recipient's bank. You will see the transaction in your Chase account history with the confirmation number, date, and amount. The recipient's bank receives the wire and deposits it into the recipient's account; this can take anywhere from a few hours to several business days depending on the recipient's bank and whether the wire is domestic or international.
If the wire does not arrive within the expected timeframe, contact Chase with your confirmation number. Chase can check the status of the wire with the recipient's bank. If the wire was sent to the wrong account or the recipient's bank rejected it, Chase may be able to help trace it, but recovery is not may provide. This is why verifying all information before sending is critical.
Frequently Asked Questions
Can I cancel a wire transfer after I send it?
Once Chase processes and sends a wire, it cannot be canceled. If you need to stop a wire, contact Chase when ready with your confirmation number — they may be able to recall it if it has not yet been delivered to the recipient's bank, but this is not may provide. The sooner you contact them, the better your chances.
What is the difference between a wire transfer and an ACH transfer?
Wire transfers move money the same day or within one to two business days and cost $15 to $50. ACH transfers take three to five business days and are usually free. Wires are faster and more expensive; ACH transfers are slower and cheaper. Chase offers both options in the transfer section of their website and app.
Do I need a Chase account to receive a wire transfer?
No. The person sending the wire needs a Chase account, but the recipient can have an account at any U.S. bank or credit union. You only need to provide the recipient's account number and their bank's routing number, regardless of which bank they use.
Why does my wire transfer say "pending" for several days?
Domestic wires typically clear within one business day, but international wires can take three to five business days. The delay depends on the recipient's bank and whether additional verification is needed. If a wire shows as pending longer than expected, contact Chase with your confirmation number to check its status.
What if I sent a wire to the wrong account number?
Contact Chase when ready with your confirmation number. Chase can attempt to recover the wire if it has not been delivered, but once the recipient's bank receives and deposits the money, Chase cannot force them to return it. You would need to contact the recipient's bank directly and ask them to reverse the transaction, which they are not required to do.