What you need to do to receive a wire transfer at Chase
To receive a wire transfer at Chase, you give the sender your bank routing number, your account number, and your full name as it appears on your account. Chase will then deposit the money directly into your account once the sender initiates the transfer from their bank. You do not need to do anything after providing this information — the transfer arrives automatically, usually within one business day for domestic transfers.
The sender is the one who pays any fees and decides which bank to send from. Your only responsibility is making sure the account and routing numbers you provide are correct. If you give wrong numbers, the money goes to the wrong account, and recovering it takes time and effort on both ends.
You can find your routing number and account number in several places: on the bottom left of any check you have, in the Chase mobile app under account details, or by calling Chase at the number on the back of your debit card.
Key Takeaways
- Provide the sender with your Chase routing number, account number, and name exactly as it appears on your account.
- Domestic wire transfers typically arrive within one business day; international transfers take longer and may involve additional fees paid by the sender.
- Double-check your account and routing numbers before giving them to the sender, because a mistake sends the money to the wrong place.
- You can find your routing and account numbers on a check, in the Chase app, or by calling Chase customer service.
- Chase does not charge you a fee to receive a wire transfer, but the sender's bank may charge them to send it.
Where to find your routing number and account number
Your routing number is a nine-digit code that identifies your specific Chase branch. Your account number is unique to your individual account. Both appear on the bottom of any check you have — the routing number is on the far left, followed by your account number in the middle.
If you do not have checks, open the Chase mobile app, tap the account you want to receive the transfer into, and look for account details or account information. The routing number and account number are listed there. You can also call Chase at the number on the back of your debit card and ask a representative to read both numbers to you over the phone.
Make sure you are giving the sender the routing number for the specific branch or account type you use. If you have a Chase checking account and a Chase savings account, they share the same routing number but have different account numbers. Give the account number that matches where you want the money to land.
How long it takes for the money to arrive
Domestic wire transfers — money sent from another U.S. bank to your Chase account — usually arrive within one business day. Many arrive the same day if sent before the cutoff time, which varies by bank but is often mid-afternoon. If a transfer is sent after hours or on a weekend, it processes the next business day.
International wire transfers take longer, typically three to five business days, because the money passes through multiple banks and currency exchanges. The sending bank may also hold the transfer for compliance checks, which adds time.
Once the money lands in your Chase account, it is yours to use immediately. Chase does not place a hold on wire transfers the way it sometimes does on checks or ACH transfers.
What information the sender needs from you
The sender needs your full name (exactly as it appears on your account), your account number, and your routing number. For a domestic transfer, that is all they need. Some senders may also ask for your address or phone number for their own records, but Chase does not require it.
For an international wire transfer, the sender may need additional information such as your SWIFT code (an international bank identifier) or IBAN (International Bank Account Number). Chase can provide these if you ask, but most international senders will know to request them if needed.
Do not give the sender your PIN, password, Social Security number, or any other sensitive information beyond your name, account number, and routing number. Legitimate wire transfers never require those details.
If the wire transfer does not arrive on time
If you are expecting a wire transfer and it has not arrived after the expected timeframe, contact Chase immediately. Call the number on the back of your debit card or visit a branch in person. Have the sender's name, the amount, and the date they sent it ready to provide.
Chase can look up the transfer in the system and tell you whether it has been received and is pending, or whether there was an error. Common problems include a typo in the account number (which sends the money elsewhere), a mismatch between the name provided and the name on the account, or a hold placed by Chase's fraud detection system.
If the money went to the wrong account because of an error in the numbers you provided, recovery is possible but slow. The receiving bank has to contact the account holder and request they return the funds. This can take weeks. That is why verifying the numbers before the sender initiates the transfer is critical.
Wire transfer fees at Chase
Chase does not charge you a fee to receive a wire transfer, whether it is domestic or international. The sender's bank may charge them a fee to send it — this varies by bank and account type — but that cost does not come out of the amount you receive.
If you are sending a wire transfer out of Chase (the reverse situation), Chase charges a fee. But receiving is free.
Frequently Asked Questions
Can I receive a wire transfer into a savings account?
Yes. Wire transfers work the same way for Chase savings accounts as they do for checking accounts. You provide your routing number and the account number for the savings account, and the money deposits there. Make sure you give the correct account number so the transfer goes to savings and not checking.
What if I give the sender the wrong account number?
The wire transfer will go to whatever account that number belongs to, which may be at Chase or another bank. If it went to another Chase account, contact Chase and explain the error. If it went to another bank, you will need to contact that bank and ask them to help recover the funds. The process is slow and not always successful, which is why double-checking before the sender initiates the transfer is important.
Do I need to be present or do anything when the wire arrives?
No. The transfer deposits automatically into your account. You do not need to be at the bank, answer a call, or sign anything. The money simply appears in your account once the transfer clears.
Can I receive a wire transfer if my Chase account is closed?
No. If your account is closed, the wire transfer will be rejected and returned to the sender's bank. If you are closing an account and expecting a wire transfer, keep the account open until the money arrives, then close it.
Is there a limit to how much I can receive in a wire transfer?
Chase does not publish a specific limit on incoming wire transfers. However, large transfers may trigger fraud monitoring, which can cause a temporary hold while Chase verifies the transaction. If you are expecting a large transfer, you can call Chase ahead of time to let them know it is coming.