Chase does not have a single wire transfer address — you send wire instructions to your receiving bank, not to Chase
If you are sending money from Chase, you do not mail anything to Chase. Instead, you initiate the wire through Chase (online, by phone, or in person at a branch), and Chase routes it to the receiving bank using the receiving bank's routing number and the recipient's account details. If you are receiving a wire into a Chase account, the sender's bank needs your Chase routing number and your account number — not a mailing address.
The confusion usually comes from mixing up two different things: where you send wire instructions (to your own bank, Chase) and where the money actually goes (to the receiving bank's routing number). This guide covers both directions and what information you actually need.
Key Takeaways
- To send a wire from Chase, you initiate it through Chase online, by phone, or at a branch — you do not mail anything to an address.
- To receive a wire into Chase, you give the sender your Chase routing number (varies by state and account type) and your account number, not a mailing address.
- Chase's routing number is not the same across all accounts; confirm the correct one for your specific account before giving it to a sender.
- Wire transfers typically settle within one business day, and Chase charges a fee (usually $15 to $20 for outgoing domestic wires, though this varies).
- If you need to verify routing numbers or wire details, call Chase at 1-800-935-9935 or visit your local branch rather than looking for a mailing address.
How to send a wire transfer from your Chase account
Start the wire through Chase itself, not by mailing anything. You have three options: Chase Online (if you have a Chase checking or savings account with online access), Chase Mobile App, or by calling Chase at 1-800-935-9935. At a Chase branch, a banker can also initiate the wire for you in person.
When you start the wire, you will need the receiving bank's routing number, the recipient's account number, the recipient's name, and the amount. Chase will ask you to confirm all of this before processing. The wire typically leaves your account within one business day, though timing depends on when you submit it and whether it is a domestic or international wire. Chase charges a fee for outgoing wires; domestic wires usually cost $15 to $20, but confirm the current fee with your account type.
Do not include a mailing address in this process. The routing number and account number are all the receiving bank needs to route the money correctly.
What information a sender needs to wire money into your Chase account
If someone is sending you a wire, give them these four pieces of information: your Chase routing number, your account number, your full name as it appears on the account, and the amount they are sending. That is all they need — no mailing address required.
Your Chase routing number depends on your state and the type of account you have. For example, Chase routing numbers vary by region: a checking account in New York may have a different routing number than one in California. The safest way to find your routing number is to log into Chase Online or the Chase Mobile App (it usually appears on the bottom left of a check image), call Chase at 1-800-935-9935, or ask at your local Chase branch. Do not guess or use a number you find online without confirming it matches your specific account.
Your account number appears on your checks and statements. Give the sender both the routing number and account number — one without the other will not work.
Domestic versus international wires from Chase
Domestic wires (money staying within the United States) use the receiving bank's nine-digit routing number and the recipient's account number. These typically settle within one business day and cost $15 to $20 at Chase.
International wires require additional information: the receiving bank's SWIFT code (an eight or eleven-character code that identifies the bank worldwide), the recipient's IBAN (International Bank Account Number, used in many countries outside the US), or both. International wires take longer to settle — usually three to five business days — and cost more. Chase charges $45 for most international wires, though the fee varies by destination country and whether the receiving bank charges additional fees on their end.
If you are sending an international wire, Chase can help you find the receiving bank's SWIFT code and IBAN. Call 1-800-935-9935 or visit a branch with the recipient's bank name and country, and a banker can look up the details for you.
Why there is no Chase wire transfer mailing address
Wire transfers are electronic — they move through the banking system in minutes to hours, not through the mail. Mailing a wire instruction to any address would defeat the purpose and delay the transfer by days. Chase processes wires only through its online platform, mobile app, phone line, or in-person at branches.
If you have received a request to mail wire instructions to a Chase address, that is a red flag for fraud. Legitimate wire transfers never require you to mail anything. If you are unsure whether a wire request is real, call Chase directly at 1-800-935-9935 using the number on the back of your card or on the Chase website — do not use a number from an email or text message.
Common mistakes when sending or receiving a wire at Chase
The most common error is using the wrong routing number. Each Chase routing number is specific to a state and account type. If you give a sender an incorrect routing number, the wire may go to the wrong bank or be rejected. Always confirm your routing number through Chase directly before sharing it.
Another frequent mistake is confusing the routing number with the bank's main phone number or address. Chase's main customer service number (1-800-935-9935) and mailing address for statements are not the same as your account's routing number. The routing number is a nine-digit code used only for electronic transfers.
For outgoing wires, people sometimes assume the fee is included in the amount they enter. It is not — if you wire $5,000 and the fee is $15, Chase deducts $5,015 from your account. Confirm the fee before you submit the wire so you do not accidentally send less than you intended.
What to do if a wire does not arrive or you need to cancel
If you sent a wire and it has not arrived after one business day (or three to five for international), call Chase at 1-800-935-9935 when ready. Have your confirmation number ready — Chase provides this when you send the wire. A banker can trace the wire and tell you where it is in the system.
If you need to cancel a wire, call Chase right away. Domestic wires can sometimes be stopped if they have not yet left Chase's system, but once they reach the receiving bank, they usually cannot be recalled. International wires are even harder to stop. The sooner you call, the better your chances. Be prepared to provide your confirmation number and the wire details.
If a wire was sent to the wrong account by mistake, contact Chase and the receiving bank as soon as possible. The receiving bank may be able to reverse it, but this is not may provide and can take weeks.
Frequently Asked Questions
Can I wire money from Chase to a bank outside the United States?
Yes. You will need the receiving bank's SWIFT code, the recipient's IBAN or account number, and the recipient's full name. International wires take three to five business days and cost more than domestic wires — usually $45 at Chase, though fees vary by destination. Call Chase at 1-800-935-9935 to confirm the current fee and get help finding the receiving bank's SWIFT code.
What is the difference between a routing number and an account number?
The routing number identifies the bank or branch (nine digits). The account number identifies your specific account at that bank (usually ten to twelve digits). Both are required for a wire transfer. You can find both on the bottom of a check or by logging into Chase Online.
How long does a wire transfer from Chase take?
Domestic wires typically settle within one business day. International wires take three to five business days. Timing also depends on when you submit the wire — if you send it after business hours or on a weekend, it may not process until the next business day.
Is there a maximum amount I can wire from Chase?
Chase does not publish a single wire limit that applies to all customers. Limits vary based on your account type, account history, and relationship with Chase. Call 1-800-935-9935 or visit a branch to ask about your specific limit before attempting a large wire.
What should I do if I received a wire but the amount is wrong?
Contact Chase when ready at 1-800-935-9935 with the wire details and confirmation number. If the amount is less than expected, ask the sender to send the difference. If the amount is more than expected, do not spend it — contact both Chase and the sender to clarify whether it was sent by mistake.