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

Chase does not accept wire transfers to a street address. Instead, you send domestic wires through the Federal Reserve using Chase's routing number (021000021 for most accounts), and international wires go through SWIFT using Chase's SWIFT code. The physical mailing address on your Chase statements is for checks and mail only, not for wire instructions.

If you're sending money to someone with a Chase account, you need their account number and routing number, not an address. If you're sending from outside the U.S., you'll also need the recipient's SWIFT code or the intermediary bank details. Chase provides these details on their website and in your account statements.

Key Takeaways

  • Domestic wires to Chase use routing number 021000021 and the recipient's account number, never a street address.
  • International wires to Chase require the SWIFT code CHASUS33 (or a regional variant) plus the recipient's account number.
  • If you're wiring from a Chase account, you can initiate the transfer online, by phone, or at a branch.
  • Wire fees at Chase vary by account type and direction (domestic or international), so check your account terms before sending.

Domestic wire routing information

When you send a domestic wire to a Chase account, the Federal Reserve routes it using Chase's routing number. For most Chase checking and savings accounts, that number is 021000021. You'll also need the recipient's full account number and their name exactly as it appears on the account.

Some Chase accounts, particularly business accounts or accounts opened at specific branches, may have different routing numbers. If you're unsure, ask the person receiving the money to confirm their routing number, or call Chase at 1-800-935-9935 and provide the account number. Chase can tell you the correct routing number in seconds.

Domestic wires typically arrive the same business day if sent before the cutoff time (usually 2 p.m. Eastern). If you send after that time, the wire may process the next business day.

International wire and SWIFT code details

International wires to Chase use the SWIFT system. Chase's primary SWIFT code is CHASUS33, but the exact code can vary by region and account type. For example, some Chase branches use CHASUS33CHI for Chicago or CHASUS33NYC for New York.

When sending an international wire, you'll need the recipient's account number, their full name, and the correct SWIFT code. You may also need the intermediary bank's details if the wire is coming from a country that requires it. Ask the Chase account holder or call Chase's international wire desk to confirm the exact SWIFT code for their account.

International wires typically take three to five business days and may include currency conversion fees. Chase charges a fee for incoming international wires, which is usually deducted from the amount received.

How to send a wire from your Chase account

If you have a Chase account and want to send a wire, you have three options: online through Chase's website or mobile app, by phone, or in person at a branch. Online is the fastest and most convenient for most people.

To send online, log into your Chase account, go to the "Transfers" or "Pay & Transfer" section, and select "Wire Money." You'll enter the recipient's name, account number, routing number (for domestic) or SWIFT code (for international), and the amount. Chase will show you the fee before you confirm. For domestic wires, you can usually send up to $10,000 per day without additional verification, though limits vary by account type.

If you prefer to call, Chase's wire transfer phone line is available 24/7. Have the recipient's information ready. If you go to a branch, bring a photo ID and the recipient's details. Branch staff can process the wire on the spot, though you may pay a higher fee than online.

Wire fees and limits at Chase

Chase charges a fee for outgoing domestic wires, typically between $15 and $25 depending on your account type and whether you send online or at a branch. Online wires are usually cheaper. International outgoing wires cost more, often $45 to $50, plus any currency conversion markup.

Incoming wires to your Chase account are free. However, if an incoming international wire arrives, Chase may deduct a fee from the amount received (usually $15 to $20), so the full amount sent may not reach your account.

Daily wire limits depend on your account type and history. New accounts or accounts with limited history may have lower limits. Call Chase or check your account settings to see your current limit. You can request a higher limit, but Chase may require additional verification.

What to do if you have the wrong information

If you've already sent a wire with incorrect information, contact Chase immediately. Domestic wires are harder to recover once sent, but if the receiving bank hasn't released the funds, Chase may be able to recall it. International wires are even more difficult to reverse.

Before sending any wire, double-check the recipient's account number and routing number (or SWIFT code). A single digit wrong can send the money to the wrong account. Ask the recipient to confirm their information in writing, or have them provide a screenshot of their account details from their bank's website.

If you're sending a large amount or to a new recipient, consider sending a small test wire first to confirm the account is correct. The fee is worth the safety.

Frequently Asked Questions

Can I send a wire to a Chase branch address?

No. Wire transfers are electronic and do not go to physical addresses. You need the recipient's account number and routing number (or SWIFT code for international). The branch address is only for mailed checks or documents.

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

A routing number is used for domestic U.S. wires and identifies the specific bank and branch. A SWIFT code is used for international wires and includes the bank, country, and sometimes the region. Chase's domestic routing number is 021000021; its primary SWIFT code is CHASUS33.

How long does a Chase wire take?

Domestic wires usually arrive the same business day if sent before 2 p.m. Eastern. International wires typically take three to five business days. Weekends and holidays can delay processing.

Can I cancel a wire after I send it?

Domestic wires are difficult to cancel once sent, especially if they've already been processed. International wires are nearly impossible to cancel. Contact Chase immediately if you need to try, but do not count on getting the money back. This is why confirming the recipient's information before sending is critical.

Do I need the recipient's address to send a wire?

No. You need their account number, name, and routing number (domestic) or SWIFT code (international). An address is not required for the wire to process, though some banks ask for it as an extra verification step.