Chase wire transfer basics

Chase lets you send domestic and international wire transfers through online banking, mobile app, phone, or in person at a branch. Domestic wires (within the US) typically arrive the same business day if sent before the cutoff time, usually 2 p.m. or 3 p.m. depending on your region. International wires take longer — usually three to five business days — because they move through correspondent banks in other countries.

You'll need the recipient's name, account number, and routing number for domestic transfers. International transfers require additional information: the recipient's bank name, address, and SWIFT code (an eight or eleven-character code that identifies banks worldwide). Chase charges fees for wire transfers: domestic wires typically cost $15 to $20, and international wires run $15 to $45 depending on the amount and destination country.

Key Takeaways

  • Domestic Chase wire transfers sent before the afternoon cutoff arrive the same business day, while international wires take three to five business days.
  • You need the recipient's routing number and account number for domestic transfers, plus SWIFT code and bank address for international ones.
  • Chase charges $15 to $20 for domestic wires and $15 to $45 for international wires, depending on destination.
  • Once a wire leaves your account, you cannot cancel it — verify all recipient details before confirming the transfer.
  • Chase online banking and the mobile app are the fastest routes; phone and branch visits work but take longer.

Sending a wire through Chase online banking

Log into Chase.com, go to the Transfers section, and select "Send Money." Choose "Wire Transfer" from the menu. For a domestic wire, enter the recipient's name, routing number, account number, and the amount. Chase will ask you to confirm the recipient details before processing — this is your last chance to catch an error, so read everything carefully.

For international wires, you'll enter the same basic information plus the recipient's bank SWIFT code, bank name, and address. Some international transfers also require an IBAN (International Bank Account Number) if the destination country uses them — your recipient or their bank can provide this. After you submit, Chase sends the wire immediately if it's before the cutoff time. You'll receive a confirmation number and can track the transfer in your transaction history.

Using the Chase mobile app

The Chase mobile app offers the same wire transfer function as online banking. Open the app, tap "Transfers," then "Send Money," and select "Wire Transfer." The process mirrors the website: enter recipient details, confirm the information, and submit. Mobile transfers process just as quickly as online ones if sent before the cutoff.

One advantage of the app is that you can photograph checks or documents if you need to reference recipient information while filling out the form. If you're unsure about any detail — routing number, account number, or SWIFT code — you can look it up without leaving the app by switching between screens.

Wire transfers by phone or at a branch

You can call Chase at the number on the back of your debit card to request a wire transfer. A representative will ask for the same information you'd enter online: recipient name, account and routing numbers, and amount. Phone wires process the same day if called before the cutoff, but the call itself takes 10 to 15 minutes, so calling early in the business day is wise.

Visiting a Chase branch in person works for customers who prefer face-to-face verification or who don't have online access. Bring a photo ID and the recipient's banking details. Branch staff will enter the information into the system and process the wire while you wait. This route is slower than online or phone — you may wait 20 to 30 minutes depending on branch traffic — but some people find it reassuring to hand over details in person.

Fees, limits, and timing

Chase domestic wire transfers cost $15 for online and mobile transfers, $20 by phone, and $20 at a branch. International wires cost $15 for online and mobile, $20 by phone, and $20 at a branch, plus an additional fee of $15 to $25 depending on the destination country and whether the bank charges a correspondent fee. These fees are deducted from your account when the wire is sent.

Chase does not publish a single wire transfer limit, but most accounts have daily limits ranging from $5,000 to $100,000 depending on your account type and history. If you need to send more, contact Chase to request a temporary increase. Cutoff times vary by region and account type — check your specific cutoff by logging into online banking or calling the number on your card. Wires sent after the cutoff are processed the next business day.

What to do if you made a mistake

Once a wire transfer leaves your Chase account, you cannot cancel it or reverse it. The money goes directly to the recipient's bank, and only that bank can return the funds — which they may refuse to do. This is why verifying all details before submitting is critical.

If you realize you made an error immediately after sending, call Chase right away. Provide your confirmation number and explain the mistake. Chase can attempt to recall the wire, but success depends on whether the recipient's bank has already accepted and processed it. The sooner you call, the better your chances. If the wire was sent to the wrong account, you may need to contact the recipient's bank directly or pursue a civil claim to recover the money.

Frequently Asked Questions

Can I cancel a Chase wire transfer after I send it?

No. Once the wire leaves Chase's system, it cannot be canceled. If you catch an error immediately, call Chase and provide your confirmation number — they can attempt to recall it, but success is not may provide. The recipient's bank has the final say on whether to return the funds.

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

Wire transfers move money the same business day (domestic) or within a few days (international) and cannot be reversed. ACH transfers take three to five business days but cost little or nothing and can be canceled before they settle. Use wires for urgent, large, or international payments; use ACH for routine bills and transfers between your own accounts.

Do I need the recipient's full account number or just part of it?

You need the full account number. Providing only part of it will cause the transfer to fail or go to the wrong account. If you're unsure about the account number, ask the recipient to confirm it or have them provide a voided check or bank statement showing the full number.

How long does an international wire from Chase take?

International wires typically take three to five business days, though some may take longer depending on the destination country and whether the recipient's bank requires additional processing. The exact timeline depends on how many correspondent banks the wire passes through. Chase provides an estimated delivery date when you submit the transfer.

What information do I need for an international wire?

You need the recipient's name, bank name and address, account number, and SWIFT code. Some countries also require an IBAN. Ask your recipient or their bank for any information you're missing — providing incomplete details will delay or fail the transfer.