How to Send a Wire Through Chase
You can send a wire transfer through Chase using online banking, the Chase mobile app, or by calling your bank. The fastest route is usually online or the app if you have the recipient's banking details ready. You'll need the recipient's full name, bank name, routing number, and account number — or their SWIFT code if they're outside the United States.
To send a wire online, log into Chase.com, go to the Transfer & Pay section, and select Wire Transfer. Enter the recipient information, the amount, and the date you want the money sent. Chase will show you the fee (typically $15 to $25 for domestic wires, more for international) before you confirm. The money usually leaves your account the same business day if you send it before the cutoff time, which is typically 2 p.m. Eastern Time on weekdays.
If you prefer to call, dial the number on the back of your Chase debit or credit card and ask to send a wire. A representative will walk you through the same information and process the transfer over the phone. This takes longer than online but works if you don't have access to a computer or need help with the details.
Key Takeaways
- Chase wires sent before 2 p.m. Eastern Time on a business day usually leave the same day; wires sent after that time or on weekends go out the next business day.
- You need the recipient's full name, account number, routing number, and bank name for a domestic wire, or their SWIFT code for international transfers.
- Domestic wires through Chase cost $15 to $25; international wires cost more and may take several days to arrive.
- Once a wire is sent, you cannot cancel it, so double-check all recipient details before you confirm the transfer.
What Information You Need Before You Start
Gather the recipient's details before you log in or call Chase. For a domestic wire, you need their full legal name (exactly as it appears on their account), their bank account number, their bank's routing number, and the bank name and city. If any of this information is wrong, the wire may be delayed or sent to the wrong account.
For an international wire, you need the recipient's full name, their account number, and their bank's SWIFT code (an eight- or eleven-character code that identifies banks worldwide). Some international transfers also require an IBAN (International Bank Account Number), which is common in Europe and other regions. Ask the recipient for these details if you don't have them — it's faster than guessing.
You should also know how much money you're sending and when you want it to arrive. Chase allows you to schedule a wire for a future date, which is useful if you know when you'll have the funds or when the recipient needs the money.
Domestic Wires vs. International Wires
Domestic wires stay within the United States and use routing numbers to identify the receiving bank. They typically arrive the same business day or the next business day and cost $15 to $25 depending on your account type and whether you're a Chase customer sending to another Chase customer (sometimes cheaper) or to a different bank.
International wires go to banks outside the United States and use SWIFT codes instead of routing numbers. They take longer — usually three to five business days — because the money passes through one or more correspondent banks before reaching the final recipient. International wires cost more than domestic ones; Chase charges vary by destination country and amount, but expect $25 to $50 or higher. The recipient's bank may also charge a fee to receive the wire.
If you're sending money internationally, ask the recipient which country their bank is in and request their SWIFT code and IBAN. Some countries require both pieces of information for the wire to go through. Also ask whether their bank charges a receiving fee, so you know the total cost before you send.
Chase Wire Transfer Fees and Timing
Chase charges a flat fee for each wire transfer. Domestic wires typically cost $15 to $25; international wires cost $25 to $50 or more. Some Chase account types (like certain premium checking accounts) waive wire fees or offer a limited number of free wires per month, so check your account benefits or call Chase to confirm what you'll pay.
The fee is deducted from your account when the wire is sent. Chase shows you the exact fee on the confirmation screen before you complete the transfer, so you won't be surprised.
Timing depends on when you send the wire. If you send a domestic wire before 2 p.m. Eastern Time on a business day (Monday through Friday, excluding federal holidays), it usually leaves your account the same day and arrives at the recipient's bank by the next business day. Wires sent after 2 p.m. or on weekends are processed the next business day. International wires take longer — typically three to five business days — because they move through multiple banks.
How to Cancel or Stop a Wire
Once a wire transfer is sent, you cannot cancel it through online banking or the app. If you need to stop a wire, call Chase when ready at the number on the back of your card. Chase may be able to recall the wire if it hasn't been delivered yet, but this is not may provide and depends on how quickly you call and whether the receiving bank cooperates.
If the wire has already been delivered to the recipient's bank, Chase cannot retrieve it. Your only option is to contact the recipient and ask them to return the money. This is why it's critical to verify all recipient details — especially the account number and routing number — before you confirm the transfer.
To avoid mistakes, read the confirmation screen carefully and compare it to the recipient's banking information. If anything looks wrong, cancel the transaction and start over.
Common Reasons Wires Get Delayed or Rejected
A wire can be delayed or rejected if the recipient's account number or routing number is incorrect, if the recipient's name doesn't match their account exactly, or if the receiving bank doesn't recognize the information you provided. If this happens, Chase will usually notify you within one to two business days, and the money will be returned to your account.
International wires are more likely to be delayed because they pass through correspondent banks, which may hold the transfer for compliance checks or additional information. If you're sending a large amount internationally, the receiving bank may contact you or the recipient to verify the source of the funds.
To reduce delays, double-check all recipient information before you send, use the exact legal name on the recipient's account, and make sure you have the correct SWIFT code for international transfers. If the wire is delayed, contact Chase to ask for the status and the name of any correspondent banks involved.
Frequently Asked Questions
Can I send a wire transfer from my Chase savings account?
Yes, you can send a wire from most Chase savings accounts, checking accounts, and money market accounts. Some savings accounts may have limits on the number of wires you can send per month, so check your account terms or call Chase to confirm.
What happens if I send money to the wrong account number?
If the account number is wrong, the wire may be rejected by the receiving bank and returned to your Chase account within one to two business days. If the account number belongs to a real account at that bank, the money may be delivered to the wrong person, and you'll need to contact that person or their bank to recover it. This is why verifying the account number is so important.
Do I need a Chase customer to send them a wire?
No, you can send a wire to anyone at any bank in the United States or abroad. You just need their account number, routing number (for domestic) or SWIFT code (for international), and their full name.
How long does a Chase wire take to show up?
Domestic wires typically arrive by the next business day. International wires usually take three to five business days. The exact timing depends on the receiving bank and whether any correspondent banks are involved in the transfer.
Can I send a wire on a weekend or holiday?
You can initiate a wire on a weekend or holiday through the Chase app or website, but it won't be processed until the next business day. If you need the money to arrive urgently, send it before 2 p.m. Eastern Time on a Friday so it arrives by Monday.