Chase's wire transfer fees depend on the type of transfer and whether you're sending money domestically or internationally

Chase charges different amounts for domestic and international wire transfers, and the fee varies based on whether you initiate the transfer online, by phone, or in person. As of now, Chase charges $15 for domestic wire transfers sent online through its website or mobile app, and $20 if you call or visit a branch. International wire transfers cost $45 when sent online and $50 when arranged by phone or in person. These fees are deducted from your account at the time you send the transfer.

Wire transfer fees are separate from any fees your receiving bank might charge. The bank that receives the money can also assess a fee on their end, so the total cost to move money can be higher than Chase's fee alone. Some Chase accounts waive wire transfer fees entirely — primarily premium checking and investment accounts — so it's worth checking your specific account terms before paying.

Key Takeaways

  • Chase charges $15 for domestic wire transfers sent online and $20 if you call or visit a branch.
  • International wire transfers cost $45 online and $50 by phone or in person at Chase.
  • Some Chase account types, including certain premium checking accounts, waive wire transfer fees.
  • The receiving bank may also charge a fee, so confirm the total cost before sending.
  • Wire transfer fees are deducted from your Chase account at the time you send the transfer.

When Chase charges the fee

Chase deducts the wire transfer fee from your account immediately when you initiate the transfer, not when the receiving bank processes it. This means the money that leaves your account is the amount you're sending plus the fee. If you're sending $500 domestically online, Chase removes $515 from your account — $500 to the recipient and $15 in fees.

If your account doesn't have enough money to cover both the transfer amount and the fee, Chase will reject the transfer. You'll need to either add funds to your account or reduce the transfer amount to make room for the fee.

Which Chase accounts waive wire transfer fees

Chase Premier Plus Checking, Chase Sapphire Checking, and Chase Private Client accounts waive domestic wire transfer fees. International wire transfer fees are waived on Chase Sapphire Checking and Chase Private Client accounts, but not on Premier Plus Checking. Requirements to hold these accounts vary — some require a minimum balance, others require direct deposit or a certain amount in investments.

If you have a Chase business account, fee waivers depend on your specific business account tier. Chase Business Platinum Checking and higher-tier business accounts may waive wire transfer fees, but you should confirm with your account representative or check your account agreement. Student accounts and basic Chase checking accounts do not waive wire transfer fees.

Domestic versus international wire transfer costs

Domestic wires — transfers between U.S. banks — are cheaper than international wires because they move through a simpler system. Chase charges $15 online or $20 by phone for domestic transfers. International wires go through correspondent banks and currency conversion systems, which adds cost and complexity. Chase charges $45 online or $50 by phone for international transfers.

International transfers also carry hidden costs beyond Chase's fee. The receiving bank may charge a fee to accept the wire, and if currency conversion is involved, Chase applies an exchange rate that includes a markup. The total cost of an international wire can easily exceed $100 when all fees and conversion costs are factored in.

How to send a wire transfer at Chase

The cheapest way to send a wire at Chase is through your online account or mobile app, where you'll pay the lowest fee and avoid a trip to the branch. Log into your Chase account, select "Send Money," then "Wire Funds." You'll enter the recipient's bank account number, routing number, and bank name. For international wires, you'll also need the recipient's SWIFT code or IBAN.

If you prefer to send a wire in person or by phone, call Chase at the number on the back of your debit card or visit a local branch. A representative will walk you through the process and answer questions about fees and timing. Wires sent by phone or in person cost more, but some people prefer the confirmation of speaking to someone directly.

Timing and when the money arrives

Domestic wire transfers typically arrive the same business day if sent before the bank's cutoff time, usually around 2 p.m. Eastern Time on weekdays. Wires sent after the cutoff or on weekends are processed the next business day. International wire transfers take longer — usually two to five business days depending on the destination country and the receiving bank's processing speed.

The fee is charged immediately when you send the transfer, but the recipient won't receive the money until the wire clears on their end. If you cancel a wire before it's processed, Chase may refund the fee, but cancellation is only possible within a narrow window — usually before the wire leaves Chase's system, which can be within hours.

Alternatives to wire transfers at Chase

If wire transfer fees are a concern, Chase offers other ways to send money. ACH transfers (also called electronic transfers) are free and take one to three business days. You can set up ACH transfers online to send money to another bank account. Chase also offers Zelle, a peer-to-peer payment service that's free and usually delivers money within minutes to other Zelle users.

For large international transfers, services like Wise (formerly TransferWise) often charge less than banks do, especially when currency conversion is involved. These services are separate from Chase but can be funded from your Chase account. The trade-off is that they take longer than a wire — usually one to three business days — but the cost savings can be significant for amounts over $1,000.

Frequently Asked Questions

Can I get a refund on a wire transfer fee?

Chase rarely refunds wire transfer fees once the transfer has been sent. If you cancel a wire before it leaves Chase's system — usually within a few hours — you may be able to get the fee back. Contact Chase immediately if you need to cancel. If the wire has already been sent, the fee is non-refundable.

Why does my wire transfer show a different amount than I sent?

The receiving bank may have deducted their own fee from the amount that arrived. International transfers also lose money to currency conversion. Ask the receiving bank to confirm what fees they charged. You can also contact Chase to see if their fee was applied correctly.

Is there a limit to how much I can wire from Chase?

Chase sets daily and monthly wire transfer limits that vary by account type and how long you've been a customer. New accounts typically have lower limits. You can check your limits in your online account or call Chase. If you need to send more than your limit, you can request a temporary increase.

Do I pay the wire transfer fee if the wire fails?

If Chase rejects the wire before it's sent — for example, because you don't have enough funds — you won't be charged. If the wire is sent but rejected by the receiving bank, Chase typically refunds the fee, though it may take several business days to process.

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

Wire transfers are faster and more expensive; ACH transfers are slower and free. Wires arrive the same day (domestic) or within days (international). ACH transfers take one to three business days. Use wires for urgent transfers or large amounts; use ACH for routine payments where timing is flexible.