How to Send a Wire Transfer Through Chase

How to Send a Wire Transfer Through Chase

You can send a wire transfer through Chase using online banking, the Chase mobile app, or by visiting a branch in person. The fastest route is usually online or the app if you have the recipient's banking details ready. Chase charges a fee for outgoing domestic wire transfers (currently $15 for online or mobile, $20 at a branch), and international wires cost more. The money typically leaves your account the same business day if you send it before the cutoff time, usually 2 p.m. Eastern Time on weekdays.

Before you start, gather the recipient's full name, their bank's routing number, their account number, and the amount you want to send. For international transfers, you'll also need their SWIFT code or IBAN. Have this information ready because you'll enter it exactly as it appears — any typo can delay or misdirect the transfer.

Key Takeaways

• Chase charges $15 for domestic wire transfers sent online or through the mobile app, and $20 if you go to a branch.
• You need the recipient's full name, account number, routing number, and the amount — any error in these details can delay the transfer.
• Domestic wires typically arrive the same business day if sent before 2 p.m. Eastern Time; international wires take one to three business days.
• Once a wire transfer leaves your Chase account, you cannot cancel it, so double-check all details before you confirm.

Sending a Wire Transfer Online or Through the Chase App

Log into your Chase account online or open the Chase mobile app and look for the "Send Money" or "Transfers" section. Select "Wire Transfer" and choose whether you're sending domestically or internationally. Enter the recipient's full name exactly as it appears on their bank account — this is the most common source of delays, so match it precisely.

Enter the recipient's bank routing number (a nine-digit code that identifies their bank) and their account number. For domestic transfers, that's all you need. For international transfers, you'll also enter the recipient's SWIFT code or IBAN, depending on their country. Then enter the amount and a reference or memo if you want — this helps the recipient know what the money is for, but it's optional.

Review all the details one more time before you confirm. Chase will show you the fee and the expected delivery date. Once you hit confirm, the transfer cannot be stopped, so make sure everything is correct. You'll receive a confirmation number and can track the status in your transaction history.

Sending a Wire Transfer at a Chase Branch

You can also walk into any Chase branch and ask to send a wire transfer. Bring a photo ID and have the recipient's information ready. A teller will fill out the wire transfer form with you, verify all the details, and process the transfer. This method costs $20 instead of $15, and it takes the same amount of time — the money still leaves the same business day if you arrive before the branch closes.

The branch route is useful if you're not comfortable with online banking or if you want someone to double-check your work before the transfer goes through. However, most branches close by 5 or 6 p.m., so you have a narrower window than online banking, which is available 24/7.

How Long a Wire Transfer Takes

A domestic wire transfer sent before 2 p.m. Eastern Time on a business day typically arrives in the recipient's account the same day. If you send it after 2 p.m. or on a weekend or holiday, it will process the next business day. The receiving bank may take an additional day to make the funds available, depending on their own policies.

International wire transfers take longer because they move through multiple banks and currency exchanges. Most arrive within one to three business days, though some countries take longer. Chase will give you an expected delivery date when you confirm the transfer, but that's an estimate, not a may provide. The receiving bank's location and processing speed affect the final timing.

What Information You Need Before You Start

Gather this information before you log in or go to the branch. For a domestic transfer, you need the recipient's full name, their bank's routing number, and their account number. For an international transfer, you also need their SWIFT code (an eight or eleven-character code that identifies their bank internationally) or their IBAN (International Bank Account Number, which varies by country).

The recipient's bank can provide any of this information if they don't have it memorized. If you're unsure about the routing number or SWIFT code, ask the recipient to confirm it — entering the wrong code can send the money to the wrong bank, and recovering it takes time and effort. You can also search for a bank's routing number on the American Bankers Association website if you know the bank name and state.

Chase Wire Transfer Fees and Limits

Chase charges $15 for a domestic wire transfer sent online or through the mobile app. If you send it at a branch, the fee is $20. International wire transfers cost $45 for a standard transfer and $50 for an expedited transfer (which prioritizes your wire but doesn't may provide faster delivery). These fees are deducted from your account when the transfer is processed.

Chase does not publicly state a maximum wire transfer amount, but most banks have daily and monthly limits that vary by account type and how long you've been a customer. If you're trying to send a large amount, contact Chase directly or visit a branch to confirm your limit. If you hit your limit, you can split the transfer into multiple wires or request a temporary increase.

What Happens If Something Goes Wrong

If you realize you made a mistake after sending the wire, contact Chase when ready. Once a wire transfer leaves your account, it cannot be recalled or stopped. However, if the money went to the wrong account or bank, Chase can file a trace request to try to recover it. This process can take weeks and is not always successful, so prevention is far better than recovery.

If the recipient says they never received the money, ask them to check with their bank first — sometimes wires arrive but take time to post to the account. If it truly didn't arrive, contact Chase with the confirmation number from your transfer. Chase can look up where the money went and work with the receiving bank to locate it. Keep your confirmation number and any correspondence with Chase in case you need to dispute the transfer later.

Frequently Asked Questions

Can I cancel a wire transfer after I send it?

No. Once a wire transfer leaves your Chase account, it cannot be canceled or stopped. This is why you must verify all the details before you confirm. If the money went to the wrong place, you can contact Chase to file a trace request, but recovery is not may provide and takes time.

What's the difference between a wire transfer and an ACH transfer?

A wire transfer moves money the same or next business day and costs a fee. An ACH transfer takes three to five business days and is usually free. Wire transfers are faster but more expensive; use them when speed matters. ACH transfers are better for routine payments like bills or payroll.

Do I need to tell the recipient I'm sending a wire?

It's a good idea to let them know the amount and when to expect it, especially if they're not familiar with wire transfers. Include a reference or memo in the transfer so they know what the money is for. Some recipients may not recognize an incoming wire if they're not expecting it.

Can I send a wire transfer to an international account from Chase?

Yes. You'll need the recipient's SWIFT code or IBAN, and the fee is $45 for standard or $50 for expedited. International wires typically take one to three business days, depending on the country and receiving bank. Currency conversion happens at Chase's exchange rate, which may differ from other rates you see online.

What if I don't know the recipient's routing number?

Ask the recipient to provide it — their bank can tell them. You can also search for it on the American Bankers Association website if you know the bank name and state. Do not guess or use a number you're unsure about, because an incorrect routing number can send the money to the wrong bank.