Wire transfers through Chase work the same way as any bank wire, but Chase has its own forms, fees, and cutoff times that affect when your money arrives

Chase offers wire transfers through its retail branches, online banking portal, and mobile app. You can send domestic wires (within the United States) or international wires (to accounts outside the US). The process requires the recipient's bank account number, routing number, and bank name at minimum. Chase charges a fee for each wire sent — the amount depends on whether you send it domestically or internationally, and whether you do it in person or online.

The speed of your wire depends on when you send it. Wires sent before Chase's cutoff time (usually 2 p.m. Eastern Time on business days) typically arrive the same day. Wires sent after the cutoff or on weekends and holidays process the next business day. International wires take longer — usually one to three business days — because they move through correspondent banks in other countries.

Key Takeaways

  • Chase charges separate fees for domestic and international wires, and the fee is lower if you send the wire through online banking or the mobile app instead of visiting a branch.
  • You need the recipient's full name, account number, routing number, and bank name to send a domestic wire; international wires also require a SWIFT code or IBAN.
  • Domestic wires sent before 2 p.m. Eastern Time on a business day usually arrive the same day; international wires take one to three business days.
  • Once a wire leaves your Chase account, you cannot cancel it unless the recipient's bank has not yet received it, which is rare after a few hours.

Domestic wire transfers from Chase

A domestic wire is money sent to another bank account within the United States. Chase charges a fee for domestic wires sent online or through the app (typically $15 to $20 per wire as of 2024, though this varies). In-branch domestic wires may cost more. You can send a domestic wire through Chase online banking, the mobile app, or by visiting a branch in person.

To send a domestic wire, you need the recipient's name, account number, routing number, and the name of their bank. You also need to know how much to send. Chase will show you the fee before you confirm the wire. The money leaves your account when ready once you authorize it, even though it may take a few hours to reach the recipient's bank.

If you send the wire before Chase's cutoff time on a business day, it usually arrives the same day. The cutoff time is typically 2 p.m. Eastern Time, but this can vary by branch and account type — call your local Chase branch or check your online banking portal to confirm. Wires sent after the cutoff or on weekends and holidays process on the next business day.

International wire transfers from Chase

An international wire is money sent to a bank account outside the United States. Chase charges a higher fee for international wires than domestic wires (typically $45 to $50 as of 2024, though this varies by destination country and account type). You can send international wires through Chase online banking or by visiting a branch; the mobile app may not support international wires on all account types.

International wires require more information than domestic wires. You need the recipient's name, account number, and bank name. You also need either the recipient bank's SWIFT code (an eight- or eleven-character code that identifies banks worldwide) or the recipient's IBAN (International Bank Account Number, used in Europe and some other regions). If you do not have the SWIFT code or IBAN, ask the recipient for it or look it up on their bank's website.

International wires take longer to arrive than domestic wires. Most international wires from Chase take one to three business days, depending on the destination country and whether the recipient's bank is in a major financial center. Some countries have slower banking systems or additional security checks that can add days. Chase cannot control the speed once the wire leaves the US banking system.

How to send a wire through Chase online banking

Log into your Chase online banking account and look for the "Transfers" or "Wire Transfer" option in the main menu. This is usually under a "Payments" or "Money Movement" section. Click on "Send Money" or "Wire Transfer" and choose whether you are sending a domestic or international wire.

Enter the recipient's information. For a domestic wire, you need their name, account number, routing number, and bank name. For an international wire, you also need the SWIFT code or IBAN. Enter the amount you want to send. Chase will display the fee and the total amount that will leave your account (the fee plus the wire amount).

Review all the information carefully before you confirm. Once you click "Confirm" or "Send," the wire is authorized and cannot be stopped. Chase will show you a confirmation number. Save this number in case you need to track the wire or contact Chase later.

How to send a wire through the Chase mobile app

Open the Chase mobile app and tap the menu icon (usually three horizontal lines). Look for "Transfers" or "Send Money." Tap "Wire Transfer" and select whether you are sending a domestic or international wire. Some account types may not support international wires through the app.

Enter the recipient's information and the amount. The app will show you the fee before you confirm. Review everything carefully, then tap "Confirm" or "Send." You may need to enter a one-time code sent to your phone or email to authorize the wire. Once you confirm, the wire is sent and cannot be stopped.

How to send a wire in person at a Chase branch

Visit your local Chase branch during business hours and tell a teller you want to send a wire transfer. Bring a photo ID and your account information. Tell the teller whether you are sending a domestic or international wire and provide the recipient's information.

For a domestic wire, you need the recipient's name, account number, routing number, and bank name. For an international wire, you also need the SWIFT code or IBAN. The teller will enter this information into Chase's system and show you the fee. You will authorize the wire by signing a form or entering your PIN. The wire is then sent when ready.

In-person wires may cost more than online or app wires. Ask the teller for the fee before you authorize the wire. You will receive a confirmation number and a receipt showing the wire details.

Chase wire transfer fees and limits

Chase charges a fee for each wire transfer. Domestic wires typically cost $15 to $20 when sent online or through the app, and may cost more when sent in person. International wires typically cost $45 to $50 when sent online, and may cost more when sent in person. These fees vary by account type and change over time, so check your Chase account or call your branch for current rates.

Chase also sets limits on how much you can wire in a single day. These limits vary by account type and how long you have had your account. New accounts often have lower limits than established accounts. You can usually increase your limit by calling Chase or visiting a branch. Some business accounts have different limits than consumer accounts.

The fee is deducted from your account along with the wire amount. If you do not have enough money in your account to cover both the wire and the fee, the wire will not go through.

What to do if a Chase wire transfer goes wrong

If a wire does not arrive within the expected timeframe, contact Chase when ready. Call the number on the back of your debit card or visit your local branch. Have your confirmation number ready. Chase can check the status of the wire and tell you whether it has been received by the recipient's bank.

If the wire was sent to the wrong account by mistake, contact Chase right away. Domestic wires can sometimes be recalled if the recipient's bank has not yet released the funds, but this is rare and not may provide. International wires almost never can be recalled. If the money went to the wrong account, you may need to contact the recipient's bank directly and ask them to return the funds.

If you were charged a fee but the wire did not go through, contact Chase to request a refund. Most banks refund the fee if the wire failed due to incorrect information or a system error on the bank's side.

Frequently Asked Questions

Can I cancel a Chase wire transfer after I send it?

Once a wire leaves Chase's system, you cannot cancel it. If you realize you made a mistake when ready after sending it, call Chase right away — there is a small window (usually a few minutes) where they may be able to stop it before it reaches the recipient's bank. For domestic wires, you can sometimes recall the money if the recipient's bank has not yet released it, but this is not may provide. International wires almost never can be recalled.

How long does a Chase wire transfer take?

Domestic wires sent before 2 p.m. Eastern Time on a business day usually arrive the same day. Wires sent after the cutoff or on weekends and holidays process on the next business day. International wires take one to three business days, depending on the destination country and the recipient's bank.

What information do I need to send a wire through Chase?

For a domestic wire, you need the recipient's name, account number, routing number, and bank name. For an international wire, you also need the recipient bank's SWIFT code or the recipient's IBAN. You also need to know how much to send and have enough money in your account to cover the wire amount plus the fee.

Is it cheaper to send a wire online or in person at a Chase branch?

Online and mobile app wires are usually cheaper than in-person wires. A domestic wire online typically costs $15 to $20, while an in-person wire may cost $25 or more. International wires online typically cost $45 to $50, while in-person may cost $60 or more. Check your account or call your branch for exact fees.

What is a SWIFT code and where do I find it?

A SWIFT code is an eight- or eleven-character code that identifies a specific bank worldwide. It is used for international wire transfers. Ask the recipient for their bank's SWIFT code, or look it up on their bank's website. The code is usually listed under "International Wire Instructions" or "SWIFT Code."