Chase wire transfer fees depend on the type of transfer and whether you send it domestically or internationally
Chase charges $15 for domestic wire transfers sent through most of their channels — online, mobile app, or in person at a branch. International wire transfers cost $45 when you initiate them yourself through digital channels. If you call a Chase representative to send a wire, the fee is $20 for domestic and $50 for international. Incoming wires to your Chase account are free.
These fees apply to most Chase checking and savings accounts. Some premium accounts, like Chase Private Client or certain business accounts, may have different rates or waive fees under specific conditions — contact your branch or account manager to confirm what applies to your account type.
The fee is deducted from your account when the wire is sent. If you don't have enough funds to cover both the transfer amount and the fee, the wire will not go through.
Key Takeaways
- Domestic wires through Chase cost $15 online or in-app, or $20 if you call a representative to send it.
- International wires cost $45 online or in-app, or $50 if you call a representative.
- Incoming wires to your Chase account do not carry a fee.
- The wire fee is taken from your account balance at the time of sending, so you need sufficient funds to cover both the transfer and the fee.
- Some Chase premium or business accounts may have different fees or fee waivers — check your account terms or call your branch.
How to send a wire transfer through Chase and what the total cost will be
To send a domestic wire through Chase online or the mobile app, log in, select "Send Money," then choose "Wire Transfer." Enter the recipient's bank account number, routing number, and bank name. Chase will show you the $15 fee before you confirm. The total amount deducted from your account is the transfer amount plus $15.
For international wires, the process is similar, but you'll need the recipient's SWIFT code (or IBAN for some countries) instead of a routing number. The fee shown will be $45. Some international transfers also involve fees charged by the receiving bank or intermediary banks — Chase cannot control these, and they may reduce the amount the recipient receives.
If you prefer to send the wire by phone, call the Chase customer service number on the back of your debit card or visit a branch. A representative will guide you through the details and charge you $20 (domestic) or $50 (international). Phone wires take the same amount of time as online wires — usually one business day for domestic transfers.
When Chase charges the fee and what happens if you cancel
Chase charges the wire fee at the moment you submit the transfer, not when it arrives at the receiving bank. Once a wire is sent, it generally cannot be canceled — the money is on its way. If you cancel before submission, you won't be charged.
If a wire fails to go through due to incorrect information (wrong account number, closed account, etc.), Chase typically refunds the fee. Contact Chase customer service with the wire reference number to request a refund if this happens.
Comparing Chase wire fees to other banks
Chase's $15 domestic wire fee is in the middle range for large banks. Bank of America charges $15 for online domestic wires. Wells Fargo charges $15 for online domestic wires as well. Smaller banks and credit unions often charge less — some charge $0 to $10 — but may have limits on how many free wires you can send per month.
For international wires, Chase's $45 fee is standard among major banks, though some credit unions charge less. The real cost difference in international transfers often comes from the exchange rate the bank uses and fees charged by intermediary banks, not the upfront wire fee itself.
If you send wires frequently, compare the total cost across banks, including any monthly account fees. A bank with a slightly higher wire fee but lower monthly maintenance might cost less overall.
Wire transfer alternatives that may cost less
If the wire fee feels high for what you're sending, consider other options. ACH transfers (Automated Clearing House) are free through Chase and most banks, but they take 3 to 5 business days and have limits — usually $10,000 per transaction for online transfers. ACH works well for paying bills or sending money to another bank account you control.
Zelle, Chase's peer-to-peer payment service, is free and reaches most U.S. bank accounts within minutes. It's limited to $500 to $2,000 per transaction depending on your account history, so it works for smaller amounts between individuals.
For international transfers, services like Wise (formerly TransferWise) often charge less than banks because they use real exchange rates and lower intermediary fees. They take 1 to 2 business days and work well if you're not in a rush. For very large international transfers, ask Chase about their correspondent banking options — sometimes a bank officer can negotiate better rates.
Business accounts and wire transfer fees at Chase
Chase business accounts have different wire fee structures depending on the account type. A basic Chase Business Checking account typically charges the same $15 domestic and $45 international fees as consumer accounts. Higher-tier business accounts like Chase Business Premium Checking may offer reduced fees or fee waivers after meeting certain deposit or transaction thresholds.
If your business sends multiple wires per month, ask your Chase business banker about accounts with included wire transfers or volume discounts. Some business accounts waive the first few wires per month or charge a flat monthly fee instead of per-wire charges — the math may work in your favor if you're a frequent user.
Frequently Asked Questions
Can I avoid the wire transfer fee by using a different Chase account?
Most Chase consumer accounts charge the same wire fees. Some premium accounts like Chase Private Client may waive fees, but they typically require high minimum balances. Call your branch to ask whether your specific account qualifies for any fee waivers.
Does Chase charge a fee if I receive a wire transfer?
No. Incoming wires to your Chase account are free. You only pay a fee when you send a wire out.
What if the wire goes to the wrong account — do I get the fee back?
If the wire was sent to an incorrect account number due to your error, Chase cannot reverse it or refund the fee. If the error was Chase's fault, contact them immediately with your wire reference number to request a refund and trace the transfer.
Why does an international wire cost more than a domestic one?
International wires involve more steps — they often pass through intermediary banks in other countries, each of which may take a small fee. Chase's higher fee reflects the additional work and risk involved in moving money across borders and currency systems.
How long does a wire take if I pay the fee?
The fee amount does not affect speed. Domestic wires typically arrive the same business day or next business day. International wires usually take 1 to 3 business days depending on the destination country and receiving bank.