Wire transfers through Chase work the same way as any other bank wire, but Chase has its own forms, fees, and online tools to complete the transfer.

You can send a wire transfer from Chase in three ways: online through Chase.com or the Chase Mobile app, by phone, or in person at a branch. The method you choose depends on how quickly you need to send the money and whether you have the recipient's banking details ready. Chase charges a fee for outgoing domestic wires (currently $15 for online and $20 by phone or in branch, though these amounts can change) and higher fees for international wires.

The money typically leaves your account the same day if you send it before the cutoff time, which is usually 2 p.m. Eastern Time on business days. If you miss the cutoff or send on a weekend, the wire goes out the next business day. The recipient's bank receives the funds within hours of that, though the exact timing depends on their bank's processing speed.

Key Takeaways

  • Chase lets you send wires online, by app, by phone, or at a branch, and each method has a different fee.
  • You need the recipient's full name, account number, routing number, and bank name before you start, or the wire will be rejected.
  • Domestic wires sent before 2 p.m. Eastern Time on a business day leave your account the same day.
  • International wires cost more and take longer, and you may need the recipient's SWIFT code or IBAN depending on their country.

Sending a wire online through Chase.com

Log into your Chase account on a computer or the Chase Mobile app, then look for "Send Money" or "Wire Transfer" in the menu. Chase groups this under "Transfers" in most cases. Click on "Wire Transfer" and select the account you want to send from.

Enter the recipient's information: their full name, account number, routing number, and the name of their bank. Chase will ask whether the wire is domestic (within the U.S.) or international. For domestic wires, the routing number is all you need. For international wires, you will also need the recipient's SWIFT code or IBAN, depending on the country. Enter the amount and a description of what the wire is for (this is optional but helpful for your records). Review the details, confirm the fee, and submit.

Chase will send you a confirmation number when ready. The wire leaves your account within minutes if you sent it before the cutoff time. You can see the status in your transaction history, though it will show as "pending" until the recipient's bank receives it.

Sending a wire by phone or at a branch

Call Chase at the number on the back of your debit card or visit a branch in person. A representative will ask for the same information: recipient's name, account number, routing number, and bank name. They will also verify your identity by asking security questions or checking your ID.

Phone wires cost $20 and branch wires also cost $20, compared to $15 for online. The wire still leaves the same day if you call or visit before the cutoff time. This method is slower than online because you have to wait for a representative, but it can be useful if you are unsure about the recipient's banking details and want to confirm them before sending.

What information you need before you start

Gather these details before you begin, whether you are sending online or calling. The recipient needs to give you their full legal name (exactly as it appears on their account), their account number, and their bank's routing number. If the wire is international, you will also need their SWIFT code or IBAN.

If any detail is wrong — especially the account number or routing number — the wire will be rejected or sent to the wrong account. Some banks will return the money to Chase within a few days, but others may hold it or send it to an unintended recipient. Always confirm these details with the recipient before you send.

Domestic versus international wires

A domestic wire goes to another U.S. bank and costs $15 online or $20 by phone or in branch. It typically arrives the same business day or the next business day. You only need the routing number, not a SWIFT code.

An international wire goes to a bank outside the U.S. and costs more — Chase charges $45 for most countries, though some countries have higher fees. International wires take longer, usually one to three business days depending on the recipient's country and bank. You will need the recipient's SWIFT code (an eight or eleven-character code that identifies their bank internationally) or their IBAN (International Bank Account Number), which is used in Europe and some other regions. Ask the recipient which one their bank uses.

Fees and timing

Chase charges $15 for a domestic wire sent online, $20 for a domestic wire sent by phone or in branch, and $45 for most international wires. Some countries have different rates; Chase's website lists the fee for each country before you confirm the wire. These fees are deducted from your account along with the wire amount.

Wires sent before 2 p.m. Eastern Time on a business day leave your account the same day. Wires sent after 2 p.m. or on weekends go out the next business day. The recipient's bank receives the money within hours after that, though some banks take longer to post it to the recipient's account. You can ask the recipient to confirm when they see the money, but Chase's job is done once the wire leaves their system.

Canceling or recalling a wire

Once a wire leaves Chase, you cannot cancel it through your online account. If you need to stop a wire, call Chase when ready — ideally within minutes of sending it. A representative can try to recall the wire, but only if it has not yet been delivered to the recipient's bank. If the recipient's bank has already received it, the wire cannot be recalled, and you would need to contact the recipient to ask them to send the money back.

This is why it is critical to double-check all recipient details before you submit. A wire is nearly irreversible once it leaves Chase, so take the time to confirm the account number and routing number with the recipient.

Frequently Asked Questions

Can I send a wire transfer from my Chase savings account?

Yes, you can send a wire from either a checking or savings account. When you start the wire transfer process online or by phone, you will select which account to send from. The fee and timing are the same regardless of account type.

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

The wire will go to whatever account the routing number and account number point to, which may not be the intended recipient. If the receiving bank recognizes the error, they may return the money to Chase within a few days. If not, you will need to contact the recipient of the incorrect wire and ask them to return the funds. This is why confirming details with the recipient before sending is essential.

How long does a Chase wire transfer take?

Domestic wires typically arrive the same business day if sent before 2 p.m. Eastern Time, or the next business day if sent after that cutoff. International wires take one to three business days depending on the recipient's country and bank. The recipient's bank may take additional time to post the money to their account.

Can I set up a recurring wire transfer with Chase?

Chase does not offer automatic recurring wire transfers through its standard wire transfer tool. You would need to send each wire manually or contact a Chase representative about other options for regular payments, such as bill pay or standing orders if available for your situation.

Is there a limit to how much I can wire from Chase?

Chase sets daily and monthly wire transfer limits that vary by account type and your account history. Check your account settings online or call Chase to find out your specific limits. If you need to send more than your limit allows, a representative can sometimes increase it temporarily or help you split the transfer across multiple days.