Chase's wire transfer address depends on whether you're sending domestic or international money

Chase does not have a single mailing address for wire transfers. Instead, wire instructions vary by transfer type and destination. For domestic wires (money staying within the United States), you typically don't need a physical address at all — you provide Chase with the recipient's bank routing number, account number, and bank name through Chase's online banking portal, mobile app, or by calling a Chase representative. For international wires, Chase uses SWIFT codes and may require additional details, but again, you submit these through digital channels rather than mailing anything.

If you need wire instructions for someone sending money to your Chase account, you'll provide them with your Chase routing number (which varies by state and account type), your account number, and Chase's main SWIFT code for international transfers. The confusion often arises because people expect to mail wire information somewhere, but modern wire transfers are processed electronically — no envelope required.

Key Takeaways

  • Domestic wire transfers through Chase are submitted online, through the mobile app, or by phone — not by mail to a physical address.
  • To receive a domestic wire at Chase, provide your routing number and account number; the sender submits these details to their own bank.
  • International wires require a SWIFT code (Chase's is CHASUS33 for most U.S. locations) plus additional information like your full name and address.
  • If you're unsure which routing number applies to your account, call Chase customer service or check your checks — the routing number is printed on the bottom left.

How to send a domestic wire from your Chase account

Log into Chase online banking or open the Chase mobile app, then navigate to the "Send Money" or "Wire Funds" section. You'll enter the recipient's bank name, routing number, account number, and the amount. Chase will ask you to confirm the details before processing. The wire typically leaves your account the same business day if submitted before the cutoff time (usually 2 p.m. Eastern Time on weekdays). There is no mailing address involved — the entire transaction happens digitally.

If you prefer not to use digital banking, you can visit a Chase branch in person or call Chase customer service at the number on the back of your debit card. A representative can walk you through the wire and may ask security questions to verify your identity. This method takes longer than online submission but produces the same result.

How to receive a wire at your Chase account

When someone wants to send you money via wire, they need four pieces of information: your full name as it appears on your Chase account, your account number, your routing number, and the name and location of your Chase branch (or just "Chase Bank" and your state). They submit this information to their own bank, not to Chase directly. Their bank then routes the money to Chase using the routing number you provided.

Your routing number depends on which state your account was opened in and which type of account you have. You can find it on the bottom left of any check, in your Chase account settings online, or by calling Chase. If the sender's bank asks for a SWIFT code for a domestic transfer, tell them it's not needed — SWIFT codes are only for international wires. Providing incorrect information (especially a wrong routing number) will cause the wire to be rejected or sent to the wrong bank, so double-check before giving it out.

International wire transfers and SWIFT codes

If you're receiving money from outside the United States, the sender will need your SWIFT code in addition to your account and routing numbers. Chase's primary SWIFT code for U.S. accounts is CHASUS33. Some senders may also ask for an IBAN (International Bank Account Number), but U.S. bank accounts do not have IBANs — your routing number and account number serve that purpose instead. If a sender insists on an IBAN, clarify that you have a U.S. account and provide your routing number and account number.

International wires typically take three to five business days to arrive, though this varies by the sender's country and their bank's processing speed. Chase will not charge you to receive an incoming wire, but the sending bank may charge the sender a fee. Once the wire arrives, it will appear in your Chase account as a deposit.

Wire transfer fees at Chase

Chase charges a fee to send a wire transfer. The amount varies — domestic wires typically cost between $15 and $25, while international wires cost more (often $40 to $50 or higher depending on the destination country). These fees are deducted from your account at the time you submit the wire. Chase does not charge a fee to receive incoming wires, whether domestic or international.

Before sending a wire, confirm the fee with Chase through your online banking portal, the app, or by calling customer service. Some Chase accounts (like certain premium checking or wealth management accounts) may have reduced or waived wire fees — check your account terms or ask a representative.

What to do if a wire goes wrong

If you sent a wire and it hasn't arrived after the expected timeframe, contact Chase immediately. Provide the confirmation number from your wire submission, the recipient's bank name and routing number, and the amount sent. Chase can check the status and may be able to recall the wire if it hasn't been delivered yet. If the wire was sent to the wrong account due to incorrect information, recovery becomes much harder — the receiving bank must agree to return the funds, and this can take weeks or longer.

If you're supposed to receive a wire and it doesn't show up, ask the sender for their confirmation number and the exact date and amount they sent. Then contact Chase with this information. Chase can search their incoming wires and tell you whether the money arrived at the bank. If it did arrive but isn't in your account, there may be a hold or a processing delay, which Chase can investigate.

Frequently Asked Questions

Do I need to go to a Chase branch to send a wire?

No. You can send a wire online, through the mobile app, or by phone. Visiting a branch is an option if you prefer in-person help, but it's not required and may take longer than submitting online.

What's the difference between a routing number and a SWIFT code?

A routing number identifies a specific Chase branch or processing center within the U.S. and is used for domestic transfers. A SWIFT code identifies Chase internationally and is used only for wires coming from outside the U.S. For domestic transfers, you never need a SWIFT code.

Can I cancel a wire after I've sent it?

It depends on timing. If you cancel before the wire is processed (usually within minutes of submission), Chase may be able to stop it. Once the wire has left Chase's system and reached the recipient's bank, cancellation becomes much harder and may not be possible. Call Chase immediately if you need to cancel.

How long does a wire take to arrive?

Domestic wires typically arrive the same business day or the next business day. International wires usually take three to five business days. Delays can occur if information is incorrect, if the receiving bank is slow to process, or if the wire is submitted after the daily cutoff time.

What happens if I give the wrong routing number?

The wire will be sent to the wrong bank. The receiving bank may reject it and return it to Chase, or it may sit in a suspense account. Either way, the money won't reach the intended recipient. Contact Chase and the sender's bank immediately to trace the wire and request a return or redirect.