JPMorgan Chase wire instructions depend on whether you're sending money to a Chase account or sending money from your Chase account to somewhere else
If you're sending money to a JPMorgan Chase account, you'll need the recipient's Chase account number and routing number. Chase's routing number for domestic wires is 021000021. You provide this information to your own bank when you initiate the wire.
If you're sending money from your Chase account to another bank, you contact Chase directly with the recipient's bank details. Chase has multiple wire departments depending on your account type and the wire destination.
The address you use depends on which Chase location handles your account and where the money is going. Chase does not publish a single "wire address" the way some banks do — instead, you call Chase's wire department or visit a branch, and they process the wire from there.
Key Takeaways
- Chase's domestic routing number for incoming wires is 021000021, which you give to the sender's bank, not to Chase.
- To send a wire from your Chase account, call Chase's wire department or visit a branch in person — you do not mail wire instructions to an address.
- Chase's wire department phone number is on the back of your debit card or in your online banking portal under "Contact Us."
- International wires to Chase accounts require the SWIFT code CHASUS33 plus the recipient's account number and routing number.
- Wire fees at Chase vary by account type and wire destination; ask before you initiate the transfer.
How to send money to a Chase account from another bank
When someone sends you money via wire to your Chase account, they need three pieces of information: your Chase account number, Chase's routing number (021000021 for domestic wires), and your name as it appears on the account. They provide this to their own bank, which then sends the wire to Chase.
You do not need to contact Chase or provide an address. The routing number directs the wire to Chase's processing center automatically. The wire typically arrives within one business day for domestic transfers.
If the wire is coming from outside the United States, the sender's bank will also ask for Chase's SWIFT code, which is CHASUS33. This code identifies Chase in the international banking system.
How to send a wire from your Chase account
To send money from your Chase account to another bank, contact Chase's wire department directly. You can reach them by calling the number on the back of your debit card, through your online banking portal, or by visiting a Chase branch in person.
When you call or visit, have ready the recipient's full name, account number, routing number, and the bank name and location. If the wire is going to another country, you'll also need the recipient's SWIFT code or IBAN (International Bank Account Number).
Chase will confirm the wire amount, the fee (which varies), and the expected delivery date. Domestic wires typically process the same business day if submitted before the cutoff time, usually 2 p.m. local time. International wires take longer — often three to five business days.
Chase routing numbers for different wire types
Chase uses the same routing number for most domestic wire transfers: 021000021. This number works whether you're sending a wire to a Chase account or receiving one.
Some older Chase accounts or specific account types may have different routing numbers. If you're unsure which routing number applies to your account, call Chase's customer service or log into your online banking portal, where your routing number is usually listed under account details.
For international wires, use the SWIFT code CHASUS33 along with the routing number. The SWIFT code tells foreign banks that the wire is destined for JPMorgan Chase in the United States.
Wire fees and timing at Chase
Chase charges a fee for outgoing domestic wires, typically between $15 and $25 depending on your account type and whether you're a Chase customer. Incoming wires to your Chase account are usually free. International wire fees are higher and depend on the destination country.
Ask Chase about the exact fee before you authorize the wire. Some Chase account packages (like certain premium checking accounts) include a limited number of free wires per month.
Domestic wires sent before the cutoff time (usually 2 p.m. local time) arrive the same business day. Wires sent after the cutoff or on weekends process the next business day. International wires take three to five business days and may take longer depending on the destination bank's processing speed.
What to do if you need to cancel or change a wire
If you've already sent a wire from your Chase account, contact Chase's wire department immediately. Domestic wires can sometimes be stopped if they haven't been processed yet, but this depends on timing. International wires are much harder to recall once sent.
Have your wire confirmation number ready when you call. Chase will tell you whether the wire can be stopped or if it has already been delivered. If the wire has been delivered, you'll need to contact the recipient's bank to attempt a reversal, which is not may provide.
To avoid mistakes, double-check the recipient's account number and routing number before you submit the wire. A single digit wrong can send the money to the wrong account.
Receiving a wire at Chase from an international sender
If someone outside the United States is sending you money, give them Chase's SWIFT code (CHASUS33), your account number, your full name, and your routing number (021000021). They may also ask for your bank's address; Chase's main wire processing center is in New Jersey, but you can simply provide "JPMorgan Chase, United States" and the wire will route correctly.
International wires can take three to seven business days to arrive, depending on the sender's bank and any intermediate banks involved. Once the wire arrives in your Chase account, it's yours to use immediately, though Chase may place a brief hold on very large amounts.
Frequently Asked Questions
What is Chase's address for wire transfers?
Chase does not use a mailing address for wire transfers. Wires are processed electronically through the banking system using routing numbers and SWIFT codes. To send or receive a wire, you contact Chase by phone, through online banking, or in person at a branch.
Can I send a wire to Chase through the mail?
No. Wires must be initiated through your bank's wire department, either by phone, online, or in person. Mailing wire instructions will not work and will delay the transfer.
What if the wire doesn't arrive after three business days?
Contact Chase's customer service with your wire confirmation number. They can trace the wire and determine whether it's still in processing, stuck at an intermediate bank, or delivered to the wrong account. International wires sometimes take longer than expected due to delays at foreign banks.
Do I need to give Chase an address when I receive a wire?
No. The sender's bank only needs your account number, routing number, and name. Chase's routing number automatically directs the wire to the correct processing center.
Is there a limit to how much I can wire from Chase?
Chase sets daily and monthly wire limits that vary by account type. Call Chase's wire department to find out your limit, or check your online banking portal. You can request a temporary increase for large transfers.