Chase's wire transfer fees depend on whether you send money domestically or internationally, and whether you initiate the transfer online, by phone, or in person

Chase charges $15 for domestic wire transfers sent online or through its mobile app. If you call a Chase representative or visit a branch to send a domestic wire, the fee is $20. These are the fees Chase charges you to send money; receiving a domestic wire transfer is free.

International wire transfers cost more. Sending money outside the United States runs $45 if you initiate it online or through the mobile app, and $50 if you use phone or branch service. International wires also carry additional costs: the receiving bank may charge a fee to accept the money, and intermediate banks may deduct fees as the money moves through the banking system. Chase does not control these fees, and they vary by country and receiving institution.

These fees apply to Chase personal checking and savings accounts. Business accounts may have different rates. Fees can change, so confirm the current amount before you send by logging into your Chase account, calling 1-800-935-9935, or asking at your local branch.

Key Takeaways

  • Domestic wire transfers cost $15 online or $20 by phone or in person at Chase.
  • International wire transfers cost $45 online or $50 by phone or in person, plus fees charged by the receiving bank and intermediate banks.
  • Receiving a domestic wire transfer is free; receiving an international wire may carry a fee from the receiving bank.
  • Using Chase's online platform or mobile app saves you $5 compared to calling or visiting a branch for domestic transfers.

When you might avoid a wire transfer fee

Some Chase accounts waive wire transfer fees under specific conditions. Certain premium checking accounts, such as Chase Sapphire or Chase Private Client accounts, may include a limited number of free domestic wires per month. Review your account terms or contact Chase directly to see whether your account qualifies.

If you are not in a hurry, consider alternatives that may cost less or nothing. Transferring money to another person's Chase account using Chase QuickPay (formerly Chase QuickPay with Zelle) is free and usually arrives within minutes. Sending money through an ACH transfer—a slower method that typically takes three to five business days—is also free. These options work only if both accounts are in the United States and the recipient's bank participates in the network.

Domestic versus international wire transfers

A domestic wire moves money between U.S. banks using the Federal Reserve's wire system or the CHIPS network. Chase charges a flat fee ($15 or $20) and the money usually arrives the same business day or the next day. The receiving bank does not charge the recipient to accept a domestic wire.

An international wire moves money to a bank outside the United States. The process is slower and more complex because the money often passes through multiple intermediary banks, each of which may deduct a fee. Chase charges $45 or $50 upfront, but you may also see deductions from the final amount when it arrives—these come from banks Chase does not control. International wires typically take three to seven business days, depending on the destination country and receiving bank's processing speed.

How to send a wire transfer through Chase

The fastest and cheapest way is through Chase's online banking platform or mobile app. Log in, select "Send Money," then "Wire Transfer." Enter the recipient's name, bank account number, routing number, and bank address. Review the details, confirm the fee, and submit. You will receive a confirmation number immediately.

If you prefer to call, dial 1-800-935-9935 and speak with a representative. Have the recipient's banking information ready. The representative will walk you through the details and confirm the $20 domestic or $50 international fee before processing.

You can also visit a Chase branch in person. Bring a photo ID and the recipient's complete banking information. A teller will help you complete the wire and collect the $20 or $50 fee. In-person wires may take longer to process than online submissions, especially if the branch is busy.

What information you need to send a wire

For a domestic wire, you need the recipient's full name, bank account number, the nine-digit routing number of their bank, and the bank's name and city. You can find the routing number on the recipient's checks, by asking their bank directly, or by searching the Federal Reserve's routing number database online.

For an international wire, you need additional details: the recipient's full name and address, their bank account number or IBAN (International Bank Account Number), the bank's name and address, and the bank's SWIFT code—an eight or eleven-character code that identifies banks in the international system. Ask the recipient or their bank for the IBAN and SWIFT code if you do not have them. Providing incorrect information can delay the transfer or cause the money to be returned.

Wire transfer limits at Chase

Chase sets daily and monthly limits on wire transfers to protect against fraud. The limits vary by account type and your history with the bank. New accounts typically have lower limits than established accounts. You can view your limits by logging into online banking or calling Chase.

If you need to send more than your limit allows, contact Chase before you initiate the transfer. A representative can temporarily increase your limit or process the wire manually. This may take extra time, so plan ahead if you have a deadline.

Frequently Asked Questions

Can I cancel a wire transfer after I send it?

Once a domestic wire leaves Chase's system, it cannot be cancelled. If you realize you made a mistake immediately after sending, call Chase right away at 1-800-935-9935—they may be able to stop it before it processes. International wires are even harder to reverse. Always double-check the recipient's information before you confirm.

Why did I receive a wire transfer fee even though I received money?

The sender pays Chase's wire transfer fee, not the recipient. If you received a wire and saw a deduction, it likely came from an intermediary bank or the sending bank, not from Chase. International wires commonly show these deductions because multiple banks handle the transfer.

Is there a difference between a wire transfer and an ACH transfer?

Yes. A wire transfer is faster (usually same-day or next-day) but costs $15 to $50. An ACH transfer is free but slower (three to five business days). Use a wire when speed matters; use ACH when you can wait and want to avoid the fee.

Do I pay the fee if the wire transfer fails?

Chase typically refunds the fee if the wire fails due to an error on their end. If the transfer fails because you provided incorrect recipient information, Chase may still charge the fee. Ask about the reason for the failure before assuming you will be refunded.