Chase lets you send wire transfers online, by phone, or in person, and the method you choose depends on how much you're sending and how quickly you need it to go

Chase offers wire transfer services to customers with checking or savings accounts. You can initiate a wire through Chase's online banking platform, by calling their wire transfer line, or by visiting a branch in person. Domestic wires (within the United States) typically arrive within one business day, while international wires can take three to five business days depending on the receiving bank's location and processes.

The cost varies by wire type. Domestic outgoing wires cost $15 as of this writing, though Chase occasionally changes fees, so confirm the current rate before you send. International wires cost more — typically $45 for a standard wire — and some receiving countries charge additional fees on their end that you won't know until the money arrives.

Key Takeaways

  • Chase charges $15 for domestic wire transfers and $45 for international ones, and these fees come out of your account at the time you send.
  • You need the recipient's full name, account number, and routing number for domestic wires, or their SWIFT code and IBAN for international wires.
  • Online wires through Chase's website or app are the fastest way to send if you have the recipient's banking details ready.
  • Domestic wires sent before 2 p.m. Eastern Time on a business day usually arrive the next day, but international wires take longer and depend on the receiving country's banking system.

Sending a wire through Chase online banking

Log into your Chase account on their website or mobile app and look for the "Send Money" or "Wire Transfer" option, usually found under the Transfers section. You'll be asked to enter the recipient's information: their full name, account number, routing number, and the bank name for a domestic wire. For international wires, you'll need the recipient's SWIFT code (an eight or eleven-character bank identifier) and IBAN (International Bank Account Number), which looks like a longer version of a routing number.

Enter the amount you want to send and review the details carefully — wire transfers cannot be reversed once they leave your account. Chase will show you the fee before you confirm. If this is your first time sending to this recipient, Chase may place a hold on the wire for review, which can delay it by a day. Once you confirm, you'll receive a confirmation number; save this for your records.

Sending a wire by phone or at a Chase branch

If you prefer not to use online banking, you can call Chase's wire transfer line at the number on the back of your debit card. A representative will walk you through the same information you'd enter online — recipient name, account details, and amount. Phone wires take the same amount of time as online wires and carry the same fees.

You can also visit a Chase branch in person and ask a teller to send a wire. Bring a valid ID and have the recipient's banking information ready. In-person wires are useful if you're uncomfortable providing banking details over the phone or online, or if you need to send cash and want the teller to verify the amount before it leaves your account. Branch wires follow the same timeline and fees as other methods.

What information you need before you start

For a domestic wire, gather the recipient's full legal name (as it appears on their bank account), their account number, and their bank's routing number. The routing number is a nine-digit code that identifies the bank; you can find it on a check, ask the recipient, or look it up on the bank's website.

For an international wire, you'll need the recipient's full name, their account number or IBAN, and their bank's SWIFT code. An IBAN is used in most countries outside the United States and Canada and typically starts with a two-letter country code. If the recipient doesn't have an IBAN, ask for their account number and the bank's SWIFT code instead. You may also need to provide the recipient's address and the purpose of the transfer, depending on the receiving country's regulations.

Timing and when your wire will arrive

Domestic wires sent before 2 p.m. Eastern Time on a business day (Monday through Friday, excluding federal holidays) usually arrive in the recipient's account the next business day. If you send after 2 p.m. or on a weekend, the wire enters the queue for the next business day and arrives the day after that.

International wires take longer because they move through multiple banks and currency conversion systems. A wire sent on Monday might not arrive until Thursday or Friday, depending on the receiving country. Some countries have their own banking holidays or slower processing times. If the recipient's bank is in a different time zone, that also affects when they process the wire on their end. There's no way to speed up an international wire once it's sent, so plan accordingly if you have a deadline.

Limits on how much you can send

Chase sets daily and monthly wire transfer limits that vary by account type and your account history. New customers often have lower limits — sometimes $5,000 to $10,000 per day — while established customers may be able to send $25,000 or more. You can check your limit by logging into online banking or calling Chase.

If you need to send more than your limit, you can request a temporary increase by calling Chase or visiting a branch. They may ask why you're sending the money and may require additional verification. Approval is not may provide, especially for very large amounts or if your account is new. International wires sometimes have separate, lower limits than domestic ones.

What happens if something goes wrong

If you send a wire to the wrong account number or bank, the money may go to someone else's account. Once a wire leaves Chase, you cannot cancel it or reverse it. If you realize you made a mistake, contact Chase immediately with your confirmation number — they can attempt to contact the receiving bank and ask them to return the funds, but this is not may provide and can take weeks.

If a wire doesn't arrive when you expect it, check with the recipient first to make sure they received it. If they didn't, contact Chase with your confirmation number and the recipient's banking details. Chase can trace the wire and determine where it is in the system. International wires sometimes get held up at the receiving bank for compliance checks, which can add several days to delivery.

Frequently Asked Questions

Can I cancel a wire transfer after I send it?

No. Once a wire leaves Chase's system, it cannot be canceled or reversed. If you made a mistake, contact Chase immediately with your confirmation number and ask them to request a return from the receiving bank, but this is not may provide to work.

Why is my wire taking longer than one business day?

Domestic wires usually arrive the next business day if sent before 2 p.m. Eastern Time on a weekday. If you sent after 2 p.m. or on a weekend, it enters the queue for the next business day. International wires take three to five business days and may be delayed by the receiving bank's processing time or compliance reviews.

Do I need to tell the recipient I'm sending a wire?

Yes. Let them know the amount, when you're sending it, and which bank it's coming from. This helps them watch for the deposit and confirm they received the correct amount. For international wires, also provide your name and the purpose of the transfer so they can match it to their records.

What's the difference between a wire transfer and an ACH transfer?

Wire transfers are faster (one business day for domestic) and more expensive ($15 at Chase), while ACH transfers are slower (three to five business days) and usually free or cost $1. Use a wire when you need money to arrive quickly; use ACH for routine payments where timing is flexible.

Can I send a wire transfer from a savings account?

Yes. Chase allows wire transfers from both checking and savings accounts. The process is the same, and the fee applies regardless of account type.