The fastest way to wire money to Chase is through your own bank's wire transfer service, which takes one to two business days and costs $15 to $30

To send money to a Chase account, you need the recipient's full name, account number, and routing number — Chase's routing number is 021000021 for most domestic transfers. You initiate the wire through your own bank (online, by phone, or in person), provide those details, and your bank sends the funds directly to Chase. The money lands in the recipient's account within one to two business days for domestic wires, though some banks process faster.

If you don't have a bank account yourself, you can wire money through a money transfer service like Western Union or MoneyGram, though these typically charge higher fees and may take longer. You can also visit a Chase branch in person and ask a teller to help you wire money, though you'll still need the recipient's account and routing information.

Key Takeaways

  • Wire transfers from your bank to Chase take one to two business days and require the recipient's full name, account number, and Chase routing number 021000021.
  • Your bank charges the wire fee (typically $15 to $30), not Chase, so confirm the cost before you send.
  • Money transfer services like Western Union cost more but work if you don't have a bank account.
  • International wires to Chase require additional information like the SWIFT code and may take three to five business days.
  • Once you send a wire, you cannot cancel it if the funds have already left your bank, so double-check the account number before confirming.

What information you need to provide

Before you start a wire transfer, gather the recipient's details. You need their full legal name (exactly as it appears on their Chase account), their Chase account number, and the routing number 021000021. If you're wiring to a business account, use the business name as it's registered with Chase.

Some banks also ask for the recipient's address or phone number, though this is optional for domestic transfers. If you're sending money internationally to a Chase account, you'll need the SWIFT code (CHASUS33 for most Chase locations in the United States) and possibly the recipient's full address.

Write down all this information before you contact your bank. A single digit wrong in the account number can send your money to the wrong person, and you may not be able to recover it.

How to send a wire through your bank

Log into your bank's online banking portal and look for "wire transfer" or "send money" in the menu. Most banks let you set up a new payee by entering the recipient's name, account number, and routing number. Enter 021000021 as Chase's routing number, then confirm the account number twice to catch typos.

Select the amount you want to send and review the fee your bank will charge — this appears before you confirm. Choose the delivery speed if your bank offers options (standard domestic wires usually arrive in one to two business days). Then authorize the transfer using whatever security method your bank requires: a one-time code, biometric verification, or security questions.

Your bank will give you a confirmation number. Save this and the date you sent it. If the money doesn't arrive within the timeframe your bank quoted, contact your bank's wire department with the confirmation number.

Wire transfer fees and timing

Domestic wire transfers to Chase typically cost $15 to $30, depending on your bank. Some banks charge less for online wires than for phone or in-person wires. A few banks offer free wires to customers who meet certain balance or account type requirements — ask your bank if you may have access to.

Standard domestic wires arrive in one to two business days. Weekends and federal holidays don't count as business days, so a wire sent on Friday may not arrive until Tuesday. Some banks offer expedited wires that arrive the same day, but these cost more and must be sent before a certain cutoff time (usually 2 p.m. Eastern).

International wires take longer — typically three to five business days — and cost $25 to $50 or more. The receiving bank (Chase) may also charge a fee to receive the wire, which is deducted from the amount that lands in the account.

What happens if you send money to the wrong account

If you realize you made a mistake before the wire leaves your bank, contact your bank immediately and ask them to cancel it. This only works if the funds haven't been sent yet — once the wire has left your bank, it's gone and cannot be stopped.

If the money went to the wrong Chase account, contact Chase customer service with your wire confirmation number and ask them to trace the transfer. Chase can sometimes recover funds sent to the wrong account, but this is not may provide and can take weeks. The person who received the money must also cooperate, which they may not.

This is why confirming the account number twice before sending is critical. A wire transfer is nearly irreversible once it leaves your bank.

Alternatives to wiring money to Chase

If you want to avoid wire fees, you can transfer money using ACH (Automated Clearing House), which is free or costs $1 to $3 and takes three to five business days. Most banks offer ACH transfers through their online portal. The process is the same — you enter the recipient's name, account number, and routing number — but the money moves more slowly.

You can also send money through Zelle, a peer-to-peer payment service that many banks and Chase itself offer. Zelle transfers are instant or arrive within minutes, but you typically need the recipient's email address or phone number rather than their account number, and there are daily limits (often $500 to $2,000 per day).

If you're at a Chase branch, you can deposit cash or a check directly into someone else's account if you know their account number, though this only works for accounts at the same branch. Money transfer services like Western Union or MoneyGram let you send money without a bank account, but fees are higher (often $10 to $50 depending on the amount) and the recipient must pick up the money in person or have it delivered to their bank account.

Frequently Asked Questions

How long does it take for money to show up in a Chase account after I wire it?

Domestic wires typically arrive within one to two business days. Weekends and holidays don't count as business days. Some banks offer same-day wires for an extra fee if sent before 2 p.m. Eastern. International wires take three to five business days.

What's Chase's routing number for wire transfers?

Chase's routing number for domestic wire transfers is 021000021. For international wires, you may also need the SWIFT code CHASUS33. Always confirm the routing number with the recipient or Chase directly to avoid sending money to the wrong bank.

Can I wire money to Chase if I don't have a bank account?

Yes, you can use a money transfer service like Western Union or MoneyGram, or visit a Chase branch and ask a teller to help you send a wire. Both options cost more than wiring from your own bank and may take longer.

What if the wire transfer fails or gets rejected?

If Chase rejects the wire (usually because the account number is wrong or the account is closed), the money returns to your bank within three to five business days. Your bank will notify you of the rejection. Contact your bank to confirm the recipient's correct account number and try again.

Can I cancel a wire transfer after I send it?

Only if you contact your bank before the wire leaves their system — usually within minutes of sending. Once the wire has been transmitted to Chase, it cannot be canceled. This is why confirming all details before authorizing the transfer is essential.