Chase's international wire transfer fee is $15 for outgoing wires sent through their standard service

Chase charges a flat $15 fee to send money outside the United States using their wire transfer service. This fee applies whether you send $100 or $10,000. The money typically arrives in the receiving country within one to five business days, depending on the destination bank's processing speed.

If you need the money to arrive faster, Chase offers an expedited option called a priority wire, which costs $25 instead of $15. Priority wires still take one to three business days in most cases — the speed gain is modest, and whether it matters depends on how urgent your transfer is.

Incoming international wires to your Chase account are free. You only pay the $15 or $25 fee when you are the one sending money out.

Key Takeaways

  • Chase charges $15 for a standard international wire and $25 for a priority wire; both fees are flat amounts regardless of how much money you send.
  • Standard wires take one to five business days to arrive; priority wires take one to three business days, so the speed difference is often small.
  • You will need the recipient's bank account number, routing number or SWIFT code, and the bank's full address to complete an international wire.
  • Chase does not charge a fee to receive international wires, only to send them.
  • The receiving bank may charge its own fee to accept the wire, which comes out of the amount that arrives — ask the recipient's bank before you send.

What information you need to send an international wire

Before you can send money, you need details about the recipient and their bank. Have ready the recipient's full name, their bank account number, and either the bank's SWIFT code (an eight or eleven-character code that identifies banks internationally) or the bank's routing number if it is in a country that uses them.

You will also need the bank's full name and address. If you do not have all this information, call the recipient and ask them to provide it, or contact their bank directly. Incomplete information is the most common reason wires are delayed or sent to the wrong account.

Chase lets you initiate international wires through their mobile app, online banking, or by calling 1-800-935-9935. If you use the app or website, you can review all the details before confirming. If you call, a representative will read back the information to confirm it is correct.

How the $15 fee compares to other banks

Chase's $15 outgoing international wire fee is in the middle of the range. Some banks charge $20 or $25 for the same service; others charge $10. A few online banks charge nothing, though they may offset that by offering less favorable exchange rates or slower processing.

The fee itself is usually not the largest cost of an international wire. The exchange rate — the price at which your dollars convert to the foreign currency — often costs more than the fee. Banks typically mark up their exchange rates by 1 to 3 percent above the real market rate, which on a $1,000 wire can easily exceed the $15 fee.

If you are sending a large amount or sending regularly, it is worth comparing not just the wire fee but also the exchange rate each bank offers. Some banks and money transfer services specialize in international payments and offer better rates than Chase, even if their wire fee is higher.

When the receiving bank charges an additional fee

The bank that receives your wire may charge its own fee to accept it. This fee is deducted from the amount that arrives, so the recipient gets less than you sent. The receiving bank's fee varies widely — it might be $5, $15, or more, depending on the country and the bank.

You cannot know the receiving bank's fee in advance unless you ask them directly or the recipient tells you. Before you send, contact the recipient's bank or have the recipient ask their bank what they charge to receive an incoming international wire. Then you can decide whether to send the full amount you intended or to send extra to cover the fee.

Some banks offer a service where they absorb the receiving bank's fee, but this is rare and usually only for large transfers or premium account holders.

Exchange rates and how they affect what arrives

Chase converts your dollars to the destination currency at their exchange rate, not the real market rate. The difference — called the markup — is how the bank makes money on the transaction beyond the $15 fee.

On a $1,000 wire to Europe, a 2 percent markup might cost you $20 in lost value, which is more than the wire fee itself. The markup varies by currency and by the day you send; Chase does not publish their markup in advance, so you cannot comparison-shop before you commit.

If the exchange rate matters to you — for example, if you are sending a large amount or sending regularly — ask Chase what their rate is before you send, or compare it to the rate offered by a money transfer service like Wise or OFX, which often publish their rates upfront.

How long the wire takes and what can delay it

A standard Chase international wire takes one to five business days to arrive. The timeline depends on the destination country, the receiving bank's processing speed, and whether the wire needs to pass through intermediary banks. Some countries have faster banking systems than others; a wire to Canada or the United Kingdom usually arrives in one to two days, while a wire to some other countries might take longer.

Wires can be delayed if the recipient's bank information is incomplete or incorrect, if the receiving bank needs to verify the recipient's identity, or if the wire triggers fraud screening. If your wire does not arrive within the expected timeframe, contact Chase and provide the wire reference number (you receive this when you send the wire). Chase can track the wire and tell you where it is in the system.

Once a wire leaves Chase, you cannot cancel it or change where it goes. Make sure all the details are correct before you confirm.

Frequently Asked Questions

Can I send an international wire from my Chase mobile app?

Yes. Open the app, go to the transfer or send money section, select international wire, and enter the recipient's information. You will see the $15 fee and the exchange rate before you confirm. The app walks you through each required field.

What is a SWIFT code and where do I find it?

A SWIFT code is an eight or eleven-character code that identifies a specific bank worldwide. You can find it on the recipient's bank statement, on the bank's website, or by asking the recipient to provide it. If the receiving bank does not have a SWIFT code, ask for their routing number instead.

Does Chase charge a fee to receive an international wire?

No. Chase does not charge you a fee when someone sends you money from outside the United States. The sender's bank charges a fee, and the receiving bank (if it is not Chase) may charge a fee, but Chase does not.

What happens if I send money to the wrong account by mistake?

Once a wire leaves Chase, you cannot stop it or reverse it. If the money went to the wrong account, you will need to contact the receiving bank and ask them to help you recover it. This process is slow and not always successful. Always verify the account number and recipient name before you send.

Is there a limit to how much I can send in one international wire?

Chase does not publish a single wire limit. The limit depends on your account type and history. Call 1-800-935-9935 to ask what your limit is, or try to send the amount through the app or website — the system will tell you if you have hit a limit.