Chase Bank's International Presence

Chase operates in more than 60 countries and territories worldwide, making it one of the largest banks by global reach. However, the services available to you depend heavily on where you are and what you need — Chase's international footprint is not the same everywhere, and a Chase account opened in the United States works differently abroad than it does at home.

Chase's international operations split into two main categories: branches and ATMs in other countries, and services for U.S. customers traveling or living overseas. If you hold a U.S. Chase account, you can use Chase ATMs in many countries without a foreign transaction fee, but you will pay a fee to withdraw cash from non-Chase ATMs. If you want to open an account while living outside the United States, the process and available products depend on which country you are in.

Key Takeaways

  • Chase operates physical branches in Canada, the United Kingdom, Japan, and several other countries, but not everywhere — availability varies by location.
  • U.S. Chase customers can use Chase ATMs abroad without a foreign transaction fee, but withdrawals from other banks' ATMs will incur a fee.
  • Chase offers wire transfer services to send money internationally, though fees and delivery times depend on the destination country and the receiving bank.
  • Opening a Chase account outside the United States requires you to be physically present in that country or meet specific residency requirements that vary by location.

Where Chase Has Physical Branches

Chase maintains branches in Canada, the United Kingdom, Japan, and several Caribbean locations. In Canada, Chase operates as part of its parent company JPMorgan Chase and offers personal and business banking. In the United Kingdom, Chase offers digital banking and investment services. In Japan, Chase serves corporate and institutional clients more than retail customers.

If you are moving to or traveling in a country where Chase does not have branches, you will not be able to walk into a Chase office to conduct business. This matters if you need to deposit checks, open a new account, or resolve account issues in person. In those cases, you would need to handle banking through Chase's online platform or by phone with U.S.-based customer service.

Using Your U.S. Chase Account Abroad

If you already have a Chase checking or savings account in the United States and you travel or move overseas, your account remains active. You can use your Chase debit card to make purchases and withdraw cash from ATMs. Chase does not charge a foreign transaction fee when you use a Chase ATM, but you will pay a fee — typically $2.50 to $5 depending on the ATM operator — when you withdraw from a non-Chase ATM.

Purchases made with your Chase debit card in foreign currencies will be converted at the current exchange rate, and Chase charges a foreign transaction fee of 1% on most debit card purchases made outside the United States. Some Chase credit cards have different foreign transaction fee structures, so check your specific card's terms before traveling.

If you need to receive money from abroad or send money internationally, Chase offers wire transfer services through its international division. Wire transfers typically take one to three business days and carry fees that vary based on the destination country and whether the receiving bank is a Chase partner. You can initiate a wire transfer online, by phone, or at a branch if one is available in your location.

Opening a Chase Account Outside the United States

Chase's process for opening an account outside the U.S. varies by country. In Canada, you can open an account if you are a Canadian resident or citizen and can provide proof of identity and address. In the United Kingdom, Chase's digital banking service is open to UK residents who meet their residency and identity verification requirements.

In most other countries where Chase operates, you will need to visit a branch in person to open an account, and you must be a resident of that country or meet specific visa or employment requirements. Chase does not allow U.S. citizens living abroad to open new accounts remotely in most cases — you typically need to be physically present and provide local identification.

International Wire Transfers and Money Movement

Chase handles international wire transfers through its global payment network. To send money internationally, you provide the recipient's bank account details, the receiving bank's SWIFT code (an international identifier), and the amount. Chase charges an outgoing wire transfer fee, which ranges from $15 to $50 depending on whether the transfer is to a Chase partner bank or another institution.

Incoming wire transfers to your Chase account are also subject to fees, typically $15 to $20. The receiving bank may charge an additional fee as well. Wire transfers are generally faster than other methods but more expensive — delivery usually takes one to three business days, though it can take longer if the receiving bank is in a country with limited banking infrastructure.

Chase also offers international ACH transfers in some cases, which are slower but cheaper than wire transfers. ACH transfers to Canada and Mexico are available to some customers, though not all Chase accounts have this feature enabled. Check with Chase directly to see whether your account supports international ACH.

Currency Exchange and Foreign Transaction Fees

When you use your Chase debit or credit card abroad, Chase converts the transaction amount from the foreign currency to U.S. dollars using the exchange rate in effect on the day the transaction is processed — not the day you made the purchase. This rate is set by Visa or Mastercard, not by Chase, but Chase adds a 1% foreign transaction fee on top of the conversion.

Some Chase credit cards marketed to frequent travelers offer 0% foreign transaction fees, but these are specific products and not available on all accounts. If you travel frequently or live abroad, comparing cards with no foreign transaction fees can save you money over time. Check your card's terms or contact Chase to confirm whether your specific card charges this fee.

Frequently Asked Questions

Can I use my U.S. Chase debit card to withdraw cash from ATMs in other countries?

Yes. You can withdraw cash from Chase ATMs worldwide without a foreign transaction fee, but you will pay a fee (usually $2.50 to $5) when you use a non-Chase ATM. The amount depends on the ATM operator, not Chase.

How long does an international wire transfer from Chase take?

Most international wire transfers arrive within one to three business days. Transfers to countries with less developed banking systems or to banks that are not Chase partners may take longer. The receiving bank may also add processing time on their end.

Does Chase have branches where I am moving?

Chase has physical branches in Canada, the United Kingdom, Japan, and some Caribbean locations. For other countries, visit Chase's website or call customer service to confirm whether a branch exists in your destination. If not, you can still use online banking and ATMs.

What documents do I need to open a Chase account outside the United States?

Requirements vary by country. Generally, you will need a government-issued ID, proof of address, and proof of residency in that country. Some locations require you to open an account in person at a branch. Contact Chase in the country where you are moving to learn the specific requirements.

Will my Chase account work if I move abroad permanently?

Your existing U.S. Chase account will remain active, and you can use it to withdraw cash and make purchases abroad. However, Chase may eventually require you to update your address or may restrict certain services if you are no longer a U.S. resident. Contact Chase before moving to understand any restrictions that may apply to your account type.