Chase wire transfers work through their online banking platform, mobile app, or by phone, and the bank charges a fee for domestic and international wires

Chase offers wire transfer services to customers with checking or savings accounts. You can initiate a wire through Chase Online (their website), the Chase Mobile app, or by calling their wire department. The bank charges a flat fee for each wire sent — the amount depends on whether you're sending money within the U.S. or internationally, and fees vary by account type. Incoming wires to your Chase account are typically free.

The process takes minutes to set up, but the actual transfer time depends on the receiving bank. Domestic wires usually arrive the same business day if sent before the cutoff time (typically 2 p.m. Eastern). International wires take longer — usually one to three business days — because they pass through multiple banks and currency exchanges.

Key Takeaways

  • Chase charges a fee to send a wire transfer, with different rates for domestic and international transfers; incoming wires are free.
  • You need the recipient's full name, account number, routing number (for domestic) or SWIFT code (for international), and bank name to send a wire.
  • Domestic wires sent before 2 p.m. Eastern on a business day typically arrive the same day; international wires take one to three business days.
  • Once a wire is sent, you cannot cancel it, so verify all recipient details before confirming the transfer.

How to send a wire through Chase Online or the mobile app

Log into Chase Online or open the Chase Mobile app and navigate to the "Transfer Money" or "Send Money" section. Select "Wire Transfer" and choose whether you're sending a domestic or international wire. Enter the recipient's information: their full name, account number, and routing number (for U.S. banks) or SWIFT code (for international banks). You'll also need the receiving bank's name and address.

Review the transfer amount and the fee Chase will charge. Confirm all details are correct — especially the account number and routing number, since wires cannot be reversed once sent. Complete the transfer and Chase will provide a confirmation number. Save this number for your records.

Sending a wire by phone

Call Chase's wire transfer line at the number on the back of your debit card or in your account statements. A representative will ask for your account information and the recipient's details. They'll confirm the amount, fee, and delivery timeframe before processing the wire. This method is useful if you prefer speaking to someone or if you have questions about the transfer.

Phone wires take the same amount of time as online wires — same-day for domestic transfers sent before the cutoff, and one to three days for international. The fee is the same whether you wire online or by phone.

Information you need before sending a wire

Gather these details before you start the wire transfer process. For domestic wires, you need the recipient's full name, account number, routing number, and the name and city of their bank. For international wires, you need the recipient's full name, account number, SWIFT code (an international bank identifier), the bank name and address, and sometimes an IBAN (International Bank Account Number) if the country uses one.

Double-check the account number and routing number with the recipient or their bank statement. A single digit wrong will send the money to the wrong account, and Chase cannot recover it. If you're unsure about any detail, contact the recipient's bank directly before sending.

Wire transfer fees and timing at Chase

Chase charges a fee for outgoing wires. The exact amount varies by account type and whether the wire is domestic or international — check your account's fee schedule or call Chase to confirm the current rate. Incoming wires to your Chase account do not incur a fee.

Domestic wires sent before 2 p.m. Eastern on a business day arrive the same day. Wires sent after 2 p.m. or on weekends and holidays are processed the next business day. International wires take longer because they move through correspondent banks in other countries; expect one to three business days, though some may take longer depending on the destination country and receiving bank.

What happens after you send a wire

Chase will deduct the transfer amount plus the fee from your account immediately. You'll receive a confirmation number via email or in your app — this is your proof the wire was sent. The receiving bank will credit the recipient's account once the wire arrives, which may take a few hours after the transfer clears.

If the wire does not arrive within the expected timeframe, contact Chase with your confirmation number. They can trace the wire and determine where it is in the system. If the wire was sent to the wrong account due to an error on your part, Chase cannot recover the money — the receiving bank must be contacted to request a return, and they are not obligated to comply.

Canceling or stopping a wire transfer

Once a wire transfer is sent and processed by Chase, it cannot be canceled. This is why verifying all recipient information before confirming is critical. If you realize an error immediately after sending, call Chase right away with your confirmation number — there is a small window (usually minutes) where they may be able to stop the wire before it leaves their system, but this is not may provide.

If the wire has already left Chase's system, only the receiving bank can retrieve it. You would need to contact that bank and request they return the funds, but they have no obligation to do so. For this reason, always confirm recipient details with the person or organization receiving the money before you initiate the transfer.

Frequently Asked Questions

How much does it cost to send a wire through Chase?

Chase charges a flat fee for each wire sent, with different rates for domestic and international transfers. The exact amount varies by account type. Contact Chase or check your account's fee schedule to see the current rates for your specific account.

Can I send a wire transfer on a weekend or holiday?

You can initiate a wire through the Chase app or online banking on weekends and holidays, but Chase will not process it until the next business day. If you need the money to arrive urgently, send it before 2 p.m. Eastern on a business day for same-day delivery.

What if the wire goes to the wrong account?

Once a wire is sent, Chase cannot retrieve it. You would need to contact the receiving bank and request they return the funds, but they are not required to comply. This is why verifying the account number and routing number with the recipient before sending is essential.

How long does an international wire take?

International wires typically take one to three business days to arrive, depending on the destination country and the receiving bank's processing speed. Some wires may take longer if they pass through multiple correspondent banks or if the receiving country has additional processing requirements.

Do I pay a fee to receive a wire at Chase?

No. Incoming wires to your Chase account are free. You only pay a fee when you send a wire from your Chase account.