Chase wire transfer fees by transfer type

Chase charges different fees depending on whether you send money within the United States or internationally, and whether you initiate the transfer in person, online, or by phone. Domestic wire transfers sent online or through Chase Mobile cost $15. Domestic wires sent by phone or in a branch cost $20. International wire transfers cost $45 when sent online or through the mobile app, and $50 when sent by phone or in person at a branch.

These fees explore to most Chase checking and savings accounts. Some premium accounts, such as Chase Private Client or certain business accounts, may have different fee structures or waived wire fees — the specific terms depend on your account type and the balance you maintain. You can confirm your account's wire transfer fees by logging into Chase Online, calling the number on the back of your card, or visiting a branch.

Chase does not charge a fee to receive incoming wire transfers, whether domestic or international. The sending bank is responsible for any fees associated with sending the money.

Key Takeaways

  • Domestic wire transfers through Chase cost $15 online or via mobile app, and $20 by phone or in a branch.
  • International wire transfers cost $45 online or via mobile app, and $50 by phone or in a branch.
  • Some premium Chase accounts waive wire transfer fees entirely, though requirements vary by account type.
  • Receiving a wire transfer into your Chase account does not incur a fee on your end.

How to send a wire transfer through Chase

To send a domestic wire transfer online, log into Chase Online or the Chase Mobile app, select "Send money," then choose "Wire transfer." You will need the recipient's name, bank account number, and routing number. Chase will show you the $15 fee before you confirm. The transfer typically arrives the same business day if sent before the cutoff time, which is usually 2 p.m. Eastern Time on weekdays.

To send an international wire transfer online, follow the same steps but select "International wire transfer" instead. You will need the recipient's name, address, bank account number, and the bank's SWIFT code or IBAN (International Bank Account Number). The $45 fee appears before confirmation. International wires typically take three to five business days to arrive, depending on the destination country and the receiving bank's processing time.

If you prefer to send a wire by phone, call the number on the back of your Chase card and speak with a representative. They will walk you through the information needed and process the transfer. Phone transfers cost $20 domestic and $50 international. You can also visit a Chase branch in person to initiate a wire transfer with the same fees.

Comparing Chase wire fees to other banks

Wire transfer fees vary across banks. Bank of America charges $15 for domestic online wires and $45 for international online wires, matching Chase's online rates. Wells Fargo charges $15 for domestic wires sent online and $40 for international wires sent online. Smaller banks and credit unions often charge less — some charge $10 to $12 for domestic wires — but may take longer to process transfers or offer fewer international destinations.

If you send wires frequently, the difference between $15 and $10 per transfer adds up. However, the speed and reliability of the transfer, the number of countries you can send to, and whether your account type waives fees may matter more than the base fee alone. Comparing total cost means looking at both the per-transfer fee and any monthly maintenance costs associated with accounts that offer fee waivers.

When Chase charges the wire fee

Chase deducts the wire transfer fee from your account at the time you send the transfer, not when it arrives. If you send a $500 domestic wire online, Chase withdraws $515 from your account when ready — $500 to the recipient and $15 as the fee. The money leaves your account right away, even though the recipient may not receive it for several hours or longer if it is an international transfer.

If your account does not have enough money to cover both the transfer amount and the fee, Chase will decline the transfer. For example, if you have $500 and try to send a $500 domestic wire, the transaction will fail because you need $515 total. Make sure your balance covers the full amount plus the fee before initiating the transfer.

Wire transfer limits at Chase

Chase sets daily and monthly limits on how much you can wire, though the exact limits depend on your account type and how long you have held the account. New accounts typically have lower limits than established accounts. You can view your wire transfer limit by logging into Chase Online, calling customer service, or visiting a branch.

If you need to send more than your limit allows, you can request a temporary increase by calling Chase or visiting a branch. Chase may approve a higher limit if you have a good account history and the transfer does not appear suspicious. The approval process usually takes one business day.

Canceling or recalling a wire transfer

Once you send a wire transfer, you cannot cancel it through Chase Online or the mobile app. If you need to stop a transfer, call Chase when ready at the number on the back of your card. Chase can attempt to recall the transfer only if it has not yet been delivered to the receiving bank — typically within a few hours of sending. If the receiving bank has already processed the transfer, Chase cannot retrieve the money.

If a wire transfer was sent by mistake or to the wrong account, contact Chase right away and provide the recipient's bank information. Chase will file a recall request with the receiving bank, but there is no may provide the money will be returned. Some banks charge a recall fee, which may be deducted from the refunded amount. The process can take several business days or longer, depending on the receiving bank's cooperation.

Frequently Asked Questions

Does Chase charge a fee to receive a wire transfer?

No. Chase does not charge you a fee when someone sends you money via wire transfer. The sending bank may charge the sender a fee, but your account is not charged to receive the money.

Can I avoid Chase wire transfer fees?

Some Chase account types, such as Chase Private Client or certain business accounts, include wire transfer fee waivers. You can ask a Chase representative whether your account qualifies for a waiver or whether upgrading to a different account type would eliminate wire fees.

Why did Chase charge me a wire fee if the transfer failed?

Chase typically does not charge a fee if a wire transfer fails before it is sent. If you were charged a fee for a failed transfer, contact Chase customer service to dispute the charge. They can review the transaction and refund the fee if it was charged in error.

How long does a Chase wire transfer take?

Domestic wire transfers usually arrive the same business day if sent before the cutoff time, which is typically 2 p.m. Eastern Time on weekdays. International wire transfers usually take three to five business days, depending on the destination country and the receiving bank's processing speed.

Can I send a wire transfer on a weekend or holiday?

You can initiate a wire transfer online or through the mobile app on weekends and holidays, but it will not be processed until the next business day. If you send a wire after the cutoff time on a weekday, it will also be processed the next business day. Calling or visiting a branch to send a wire is only possible during business hours.