How to send money by wire through Chase

Chase lets you send wire transfers through online banking, mobile app, phone, or in person at a branch. The method you choose depends on how quickly you need to send the money and whether you have the recipient's banking details ready. Most domestic wires (money sent within the United States) go through the same day if you initiate them before the bank's cutoff time, usually 2 p.m. Eastern time on business days.

You'll need the recipient's full name, bank name, routing number, and account number. For international wires, you'll also need the SWIFT code or IBAN (International Bank Account Number). Chase charges a fee for wire transfers — domestic wires typically cost between $15 and $20, and international wires cost more, usually $40 to $50 depending on the destination country.

Key Takeaways

  • Chase processes domestic wire transfers the same business day if you send before 2 p.m. Eastern time, but international wires may take one to three business days.
  • You need the recipient's routing number and account number for domestic transfers, plus SWIFT code or IBAN for international transfers.
  • Chase charges $15 to $20 for domestic wires and $40 to $50 for international wires, though fees vary by account type and destination.
  • Once a wire is sent, you cannot cancel or reverse it, so verify all recipient details before confirming the transfer.

Sending a wire through Chase online banking

Log into Chase.com, go to the "Transfer Money" or "Pay & Transfer" section, and select "Wire Transfer." Choose whether you're sending a domestic or international wire. Enter the recipient's name, bank name, and account details. Review the amount and fee, then confirm the transfer.

Chase will show you a confirmation number immediately after the wire processes. Save this number — you'll need it if you ever need to track the transfer or contact Chase about it. The bank sends the wire to the recipient's bank right away, though the receiving bank may take an additional business day to deposit it into the recipient's account.

Sending a wire through the Chase mobile app

Open the Chase mobile app, tap "Transfer Money," then select "Wire Transfer." The steps are the same as online banking: choose domestic or international, enter recipient details, review the fee, and confirm. You'll receive a confirmation number on your phone that you can screenshot or write down.

The mobile app works during the same hours as online banking, so wires sent before 2 p.m. Eastern time on business days will process the same day. If you send a wire after hours or on a weekend, it will process the next business day.

Sending a wire by phone or at a Chase branch

Call Chase at the number on the back of your debit or credit card to speak with a representative. Have the recipient's banking details ready. The representative will walk you through the wire transfer process and confirm the details before sending. Phone wires process during the same business hours as online transfers.

You can also visit a Chase branch in person to send a wire. Bring a valid ID and the recipient's banking information. A teller will help you complete the wire transfer form and process the transaction. In-person wires may take slightly longer than online wires because the teller has to enter the information into the system, but they still process the same business day if you arrive before the branch's cutoff time.

Domestic versus international wire transfers

Domestic wires stay within the United States and use the recipient's routing number and account number. These typically arrive the same business day. International wires go to banks outside the U.S. and require the recipient's SWIFT code (an eight or eleven-character code that identifies the bank) or IBAN (a longer account number used in Europe and some other regions). International wires usually take one to three business days and cost more.

Chase may also require additional information for international wires, such as the recipient's address or the purpose of the transfer. Some countries have restrictions on wire transfers, so Chase may ask you to provide documentation or may decline the transfer if it cannot verify the recipient's bank details.

Wire transfer fees and limits

Chase charges a flat fee per wire transfer rather than a percentage of the amount. Domestic wires typically cost $15 to $20, and international wires cost $40 to $50 or more depending on the destination. Some Chase account types, such as certain premium checking accounts, may have lower fees or a limited number of free wires per month — check your account terms or call Chase to confirm.

Chase does not publicly post a maximum wire transfer amount, but the bank may limit how much you can send based on your account history, account type, and the recipient's location. If you're sending a large amount, call Chase ahead of time to confirm the limit and to let the bank know the transfer is coming — this can prevent the bank from flagging the wire as suspicious and delaying it.

What to do if a wire transfer goes wrong

If you sent a wire to the wrong account or the recipient never received it, contact Chase immediately. Have your confirmation number ready. Chase can try to recall the wire if it hasn't been deposited yet, but once the receiving bank deposits the money into an account, Chase cannot reverse it — you would have to contact the recipient or the other bank directly to ask for the money back.

If the wire was sent to the wrong bank or account number, Chase may be able to contact the receiving bank and ask them to return the funds, but this process can take weeks. This is why it's critical to double-check all recipient details before confirming a wire transfer. If you're unsure about the account number or routing number, contact the recipient directly and ask them to confirm the information.

Frequently Asked Questions

How long does a Chase wire transfer take?

Domestic wires sent before 2 p.m. Eastern time on a business day usually arrive the same day, though the receiving bank may take an additional business day to deposit the funds. International wires typically take one to three business days. Wires sent after hours or on weekends process the next business day.

Can I cancel a wire transfer after I send it?

If you contact Chase immediately after sending the wire, before it reaches the receiving bank, Chase may be able to stop it. Once the receiving bank receives and deposits the wire, it cannot be reversed. Call Chase right away if you need to cancel — do not wait.

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

Wire transfers are faster and more expensive; they usually arrive the same day and cost $15 to $50. ACH transfers are slower and cheaper; they take three to five business days and often cost nothing. Use a wire when you need money to arrive quickly, and use ACH for routine payments where timing is less urgent.

Do I need to tell Chase I'm sending a large wire transfer?

You don't have to, but calling Chase before sending a large wire can prevent the bank from flagging it as suspicious and delaying it. Chase may also have limits on how much you can send in a single transfer, so confirming the limit ahead of time saves time.

What information do I need to send an international wire?

You need the recipient's full name, bank name, SWIFT code (or IBAN), and account number. Chase may also ask for the recipient's address and the purpose of the transfer. Contact the recipient directly to confirm all details, especially the SWIFT code or IBAN, because international wires cannot be reversed if sent to the wrong bank.