JPMorgan Chase's wire receiving address and routing information

JPMorgan Chase Bank does not use a street address for incoming wire transfers. Instead, wires are routed using the bank's ABA routing number (also called a routing transit number or RTN), which is 021000021. This nine-digit code tells the sending bank's system exactly where your money goes within the JPMorgan Chase network.

When you initiate a wire to a JPMorgan Chase account, you will provide the routing number along with the recipient's account number and full name. The routing number is the same whether the account is at a JPMorgan Chase branch in New York, California, or anywhere else in the United States — the account number is what directs the funds to the specific person or business.

If you are sending money from outside the United States, you will also need JPMorgan Chase's SWIFT code, which is CHASUS33. SWIFT codes are used for international wires instead of routing numbers. The receiving bank address for international wires is typically listed as JPMorgan Chase Bank, New York, NY, though your sending bank may have a specific format they require.

Key Takeaways

  • JPMorgan Chase's domestic wire routing number is 021000021, and this number is the same for all JPMorgan Chase accounts regardless of branch location.
  • You will also need the recipient's account number and the full legal name on the account; the routing number alone cannot direct the wire to the correct person.
  • International wires to JPMorgan Chase use the SWIFT code CHASUS33 instead of a routing number.
  • Wire instructions should come directly from the person or business receiving the money, not from a third party, to prevent sending funds to the wrong account.

How to find the correct account number and recipient name

The account number is not the same as the routing number. You must obtain it from the person or business you are sending money to — they should provide it along with the routing number. Account numbers for JPMorgan Chase are typically 10 to 12 digits long, though length can vary.

The recipient's name must match exactly what is registered on the account at JPMorgan Chase. If the account is under "Sarah M. Johnson" and you send it to "Sara Johnson" or "S. Johnson," the wire may be rejected or delayed while the bank verifies the mismatch. Always ask the recipient to confirm their name as it appears on their account statement.

If you are sending a wire on behalf of a business, the account name should be the legal business name, not a nickname or doing-business-as name, unless that is the registered account name. When in doubt, ask the recipient to send you a voided check or a screenshot of their account details showing the exact name and account number.

What information the sending bank will ask for

When you go to your own bank to send a wire, you will need to provide several pieces of information. Have these details ready before you arrive or log in online: the recipient's full name, JPMorgan Chase routing number (021000021), the recipient's account number, and the amount you want to send.

Your bank may also ask for the purpose of the wire, the recipient's address, and your relationship to the recipient. These questions are part of anti-money-laundering compliance and are standard across all banks. Some banks require you to fill out a wire transfer form in person; others allow you to initiate wires online or by phone.

Fees for sending a domestic wire vary by bank and account type. JPMorgan Chase typically charges between $15 and $25 to send a domestic wire, though this fee comes from your bank, not from JPMorgan Chase. International wires cost more — often $35 to $50 — because they pass through multiple banks and currency exchanges.

Timing and confirmation for wire transfers

Domestic wires sent before your bank's cutoff time (usually 2 p.m. or 3 p.m. Eastern Time on business days) typically arrive the same day. Wires sent after the cutoff or on weekends and holidays are processed the next business day. JPMorgan Chase receives wires 24 hours a day, but the receiving account holder may not see the funds until the next business day depending on when the wire arrived.

After you send a wire, your bank will give you a confirmation number. Write this down or save the email. If the recipient does not see the funds within one business day, you can use this confirmation number to trace the wire with your bank. Do not assume the wire was lost if it does not appear when ready — delays of a few hours are normal.

International wires take longer because they move through correspondent banks in multiple countries. A wire sent on Monday may not arrive until Wednesday or Thursday, even if both banks process it when ready. Currency conversion can add another day to the timeline.

Common mistakes to avoid when wiring to JPMorgan Chase

The most common error is transposing digits in the account number. A single wrong digit sends the wire to a different account at JPMorgan Chase, and the bank will not automatically return it. The funds may sit in an unclaimed account for months. Always double-check the account number by reading it aloud to the recipient or comparing it character by character against what they provided.

Another frequent mistake is using an old routing number. JPMorgan Chase has not changed its routing number in decades, but if you are using information from an old document, verify it against the current number (021000021) before sending. Using the wrong routing number can send your wire to a different bank entirely.

Do not wire money based on instructions from an email or text message, even if it appears to come from someone you know. Criminals often intercept emails and send fake wire instructions. Always contact the recipient directly using a phone number or email address you know is theirs, separate from any message that contained wire instructions.

Wire transfers versus other ways to send money to JPMorgan Chase

A wire is the fastest way to send money to a JPMorgan Chase account, but it is not the only way. ACH transfers (Automated Clearing House) are slower but cheaper or free. An ACH transfer typically takes three to five business days and costs nothing or a small fee. If the recipient is not in a hurry, ACH is often the better choice.

If you are sending money between two accounts you own, you may be able to transfer funds when ready using Zelle or another peer-to-peer payment service, depending on your bank. These services are free and nearly when ready but have daily limits — usually $500 to $2,000 per transaction.

For very large amounts or international transfers, a wire is often the only practical option because ACH has limits (usually $25,000 per transaction) and peer-to-peer services have much lower caps. If you are unsure which method to use, ask the recipient what they prefer and what timeline they need.

Frequently Asked Questions

Is the routing number 021000021 the same for all JPMorgan Chase locations?

Yes. JPMorgan Chase uses a single routing number for all domestic wire transfers, regardless of which branch the account is at. The account number is what directs the wire to the specific person or business, not the branch location.

What happens if I send a wire to the wrong account number?

The wire will go to a different account at JPMorgan Chase. The bank will not automatically return it. You will need to contact JPMorgan Chase when ready with your wire confirmation number and ask them to trace and recover the funds. Recovery is possible but not may provide and can take weeks.

Can I cancel a wire after I send it?

Domestic wires cannot be canceled once they leave your bank, which usually happens within minutes of you sending them. If you realize a mistake when ready, call your bank right away — they may be able to stop it before it is processed. International wires are even harder to stop. Always verify all details before confirming the wire.

Do I need a JPMorgan Chase account to send a wire to one?

No. You can send a wire from any bank to a JPMorgan Chase account. You only need the routing number, account number, and recipient name. Your own bank handles the sending; JPMorgan Chase only receives it.

What is the difference between a routing number and a SWIFT code?

A routing number (021000021) is used for domestic wires within the United States. A SWIFT code (CHASUS33) is used for international wires. If you are sending money from outside the U.S. or to an international account, use the SWIFT code. For wires within the U.S., use the routing number.