JPMorgan Chase wire instructions depend on whether you're sending domestic or international money

JPMorgan Chase does not publish a single mailing address for wire transfers. Instead, wires go directly into the banking system using routing numbers and account details — not physical mail. If you need to send money to a JPMorgan Chase account, you'll provide your bank with the recipient's account number, the Chase routing number for their location, and the recipient's name. The wire moves electronically within hours, not through an office address.

If someone has asked you for a Chase address to wire money to, that's a red flag. Legitimate wire transfers never require a street address. Scammers sometimes pose as Chase employees or business contacts and ask victims to wire money to an address, which is how the fraud works — the money goes to the scammer's account, not Chase's.

Key Takeaways

  • Wires to JPMorgan Chase accounts use routing numbers and account numbers, not mailing addresses.
  • Domestic wires to Chase use the routing number 021000021 for most locations, though some branches have different routing numbers.
  • International wires to Chase require the SWIFT code CHASUS33 plus the account holder's full name and account number.
  • If someone asks you to wire money to a street address, do not send it — that is not how legitimate bank transfers work.

Domestic wire routing information for Chase

When you send a domestic wire to a JPMorgan Chase account, your bank needs the routing number (also called the ABA number), the recipient's account number, and the recipient's name. The primary routing number for JPMorgan Chase is 021000021. This number works for most Chase accounts across the United States.

Some Chase branches or business accounts may have different routing numbers. Before you send the wire, ask the person receiving the money which routing number their specific account uses. You can also call Chase customer service at 1-800-935-9935 and provide the account number — they will confirm the correct routing number for that account.

Your own bank will ask you to fill out a wire form with this information. The form typically asks for the recipient's name, account number, routing number, and the amount. Double-check every number before you submit it. Once a wire leaves your bank, it cannot be recalled if the account number is wrong.

International wire instructions for Chase accounts

International wires to JPMorgan Chase use a different system. Instead of a routing number, you'll need the SWIFT code CHASUS33. You'll also need the recipient's full name, account number, and the Chase branch location or address where the account is held.

International wires take longer than domestic ones — typically three to five business days — and may include currency conversion fees. Your bank will charge a fee to send the wire, and Chase may charge a fee to receive it. Ask your bank about all fees before you send the money.

Some international wires also require an IBAN (International Bank Account Number) if the recipient's account is outside the United States. If you're sending money to a Chase account held in another country, ask the recipient whether they have an IBAN and provide it to your bank.

What information you actually need to provide

Never wire money based on an address alone. Here is what a legitimate wire request includes:

  • The recipient's full legal name (exactly as it appears on the account)
  • The account number (usually 10 to 12 digits)
  • The routing number (021000021 for most Chase accounts, or a different number for the specific branch)
  • The amount in dollars
  • Your reason for sending the money (optional but helpful for record-keeping)

A legitimate business or individual will provide all of this information without hesitation. If someone asks you to wire money but cannot or will not give you an account number and routing number, do not send the wire. That is how wire fraud happens.

How to verify you have the right account before sending

Wire fraud is common because wires are fast and irreversible. Before you send any wire, take these steps to confirm you're sending to the right place.

Call the recipient using a phone number you know is correct — not a number they provided in an email or text. Tell them you're about to wire money and read back the account number and routing number to them. Ask them to confirm each digit. If they say anything is wrong, stop and ask for the correct information.

If the wire is for a business, call the business's main phone number (from their website or a bill you received) and ask to confirm the wire instructions with the accounting department. Do not use contact information from an email that asks you to wire money.

What happens after you send a wire to Chase

Once your bank sends the wire, it typically arrives at Chase within one business day for domestic transfers. Chase will deposit the money into the recipient's account automatically if the account number is correct.

If the account number is wrong, the wire may be rejected and returned to your bank within a few days. You'll see the money back in your account, but your bank may charge you a fee for the failed transfer. If the account number is close to a real account but not exact, the money might go to the wrong person's account, and recovering it becomes difficult.

Keep your wire confirmation number from your bank. If there's a problem, you'll need it to trace the wire. Chase can look up a wire using the confirmation number, the amount, and the date it was sent.

Red flags that a wire request is a scam

Do not send a wire if any of these things happen:

  • Someone asks you to wire money to a street address instead of providing an account number and routing number.
  • A person claiming to be from Chase, your company, or a government agency asks you to wire money urgently or in secret.
  • An email or text asks you to wire money but the sender's contact information doesn't match what you know about them.
  • Someone asks you to wire money to a personal account instead of a business account, even though the request is for business purposes.
  • The person requesting the wire refuses to let you call them back at a known phone number to confirm the details.

If you've already sent a wire and suspect it was fraud, contact your bank immediately. The sooner you report it, the better the chance your bank can stop the wire before it's withdrawn.

Frequently Asked Questions

Can I wire money to Chase using just a street address?

No. Wires require an account number and routing number, never an address. If someone asks you to wire money to an address, that is a scam. Legitimate banks do not accept wires to street addresses.

What is the difference between a routing number and a SWIFT code?

A routing number (like 021000021) is used for domestic wires within the United States. A SWIFT code (like CHASUS33) is used for international wires. You use one or the other depending on whether the recipient's account is in the U.S. or abroad.

How long does a wire to Chase take?

Domestic wires typically arrive within one business day. International wires usually take three to five business days. Weekends and holidays can add time. Your bank will tell you the expected delivery date when you send the wire.

What if I sent a wire to the wrong account number?

Contact your bank immediately with your wire confirmation number. If the wire hasn't been withdrawn yet, your bank may be able to recall it. If the money has already been withdrawn, recovery is difficult and depends on whether the receiving bank will cooperate.

Does Chase charge a fee to receive a wire?

Chase may charge a fee to receive incoming wires, depending on the account type and whether the wire is domestic or international. The recipient should check their account agreement or call Chase to find out what fees apply to their account.