How to send a wire transfer at Chase

Chase lets you send a wire transfer through online banking, mobile app, phone, or in person at a branch. The fastest method is usually online or mobile app if you have the recipient's banking details ready. You'll need the recipient's full name, bank name, routing number, and account number — or their SWIFT code if the transfer is international. Chase processes domestic wires the same business day if you submit before the cutoff time, typically 2 p.m. Eastern Time on weekdays.

If you're sending money internationally, Chase uses SWIFT transfers, which take longer and may involve correspondent banks. The process is similar, but you'll provide a SWIFT code instead of a routing number, and the transfer usually takes three to five business days. Chase charges a fee for outgoing wires — the amount depends on whether it's domestic or international, and whether you're a basic customer or have a premium account.

Key Takeaways

  • Domestic wires through Chase typically arrive the same business day if submitted before 2 p.m. Eastern Time on weekdays.
  • You need the recipient's full name, account number, and routing number for domestic transfers, or a SWIFT code for international ones.
  • Chase charges an outgoing wire fee that varies by transfer type and your account tier; check your account or call to confirm the current amount.
  • Online banking and the mobile app are the fastest ways to initiate a wire if you have all the recipient information ready.

Sending a wire through Chase online banking

Log into Chase.com, go to the Transfers section, and select "Send money." Choose "Wire transfer" from the options. You'll be asked whether the recipient has an account at Chase or at another bank. If they bank elsewhere, select that option and enter their full name, bank name, routing number, and account number.

Review the amount, fees, and recipient details carefully before confirming. Chase will show you the total cost including the wire fee. Once you submit, you'll receive a confirmation number — save this. The wire will process the same business day if submitted before the cutoff, or the next business day if submitted after hours or on a weekend.

Sending a wire through the Chase mobile app

Open the Chase mobile app, tap "Transfers," then "Send money." Select "Wire transfer" and choose whether the recipient banks at Chase or elsewhere. Enter the recipient's information the same way you would online. The app will display the fee and total amount before you confirm.

Mobile app wires are processed on the same schedule as online wires — same business day if submitted before 2 p.m. Eastern Time. You'll receive a confirmation number in the app that you can screenshot or note for your records.

Sending a wire by phone or at a branch

Call Chase at the number on the back of your debit or credit card to speak with a representative who can process a wire transfer. You'll provide the recipient's information verbally, and the representative will confirm the amount and fee before processing. Phone wires are subject to the same cutoff times as online transfers.

You can also visit a Chase branch in person to send a wire. Bring a valid ID and have the recipient's banking details ready. A teller will help you complete the wire and provide a receipt with a confirmation number. In-person wires may take slightly longer to process if the branch is busy, but they still typically go out the same business day.

International wire transfers and SWIFT codes

For transfers outside the United States, Chase uses the SWIFT system. You'll need the recipient's SWIFT code (an eight or eleven-character code that identifies their bank internationally) instead of a routing number. The recipient's bank name, account number, and full name are still required.

International wires take longer than domestic ones — usually three to five business days — because they may pass through correspondent banks. Chase charges a higher fee for international wires than domestic ones. The recipient may also be charged a fee by their bank for receiving the wire. Exchange rates apply if the transfer is in a currency other than U.S. dollars, and Chase will show you the rate before you confirm.

Wire transfer fees and timing

Chase charges an outgoing wire fee for both domestic and international transfers. The fee amount varies depending on your account type and whether the wire is domestic or international. Domestic outgoing wires typically cost less than international ones. Some premium Chase accounts may have reduced or waived wire fees — check your account benefits or call to confirm what you'll pay.

Domestic wires submitted before 2 p.m. Eastern Time on a business day are processed the same day. Wires submitted after that time, on weekends, or on federal holidays are processed the next business day. International wires take longer because they move through the SWIFT network and may involve multiple banks. Chase does not control how long correspondent banks take to process the transfer on the receiving end.

What to do if a wire goes wrong

If a wire doesn't arrive when expected, contact Chase immediately. Have your confirmation number ready. Chase can check the status of domestic wires and may be able to recall a wire that hasn't been delivered yet, though this depends on how far the transfer has progressed through the banking system.

For international wires, tracing takes longer because the transfer may be in transit through multiple banks. Chase can initiate a trace, but you may need to wait several business days for an update. If a wire was sent to the wrong account by mistake, contact Chase right away — recovery is possible but not may provide, especially if the receiving bank has already released the funds.

Frequently Asked Questions

Can I cancel a wire transfer after I send it?

It depends on how far the transfer has progressed. If you contact Chase immediately after sending, they may be able to recall a domestic wire before it's delivered. International wires are harder to stop once they enter the SWIFT system. Call Chase right away with your confirmation number if you need to cancel.

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

A routing number identifies a specific bank branch within the United States and is used for domestic transfers. A SWIFT code identifies a bank internationally and is used for wires sent outside the U.S. You need one or the other depending on where the recipient's bank is located.

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

It's a good idea to let them know in advance so they're expecting the transfer and can watch for it. Provide them with the wire amount and the date you're sending it. This helps them confirm the wire arrived and prevents confusion if there's a delay.

How much does a Chase wire transfer cost?

Chase charges a fee for outgoing wires, but the amount varies by account type and whether the transfer is domestic or international. Log into your account, call the number on your card, or visit a branch to find out the current fee before you send.

What happens if I enter the wrong account number?

The wire may be sent to the wrong account or rejected by the receiving bank if the account number doesn't match other details you provided. Contact Chase immediately if you realize you made a mistake. They can attempt to recover the funds, but success is not may provide.