Chase wire transfers work through their online banking platform, mobile app, or by phone with a representative

Chase offers wire transfers to customers with checking or savings accounts. You can initiate a domestic wire (within the US) or an international wire through Chase Online, the Chase Mobile app, or by calling their wire transfer line. The process takes a few minutes to set up, though the money itself takes one to two business days to reach the recipient's bank.

Chase charges a fee for wire transfers — domestic wires typically cost around $15 to $20, and international wires cost more. The exact amount depends on your account type and whether you're sending to a Chase account or another bank. Some premium Chase accounts waive wire transfer fees, so check your account benefits before paying.

Key Takeaways

  • You need the recipient's full name, bank account number, and routing number for a domestic wire, or their SWIFT code and international bank details for an international wire.
  • Chase charges a fee for each wire transfer, though some account types waive the fee — check your account details or call Chase to confirm what you'll pay.
  • Domestic wires typically arrive within one to two business days; international wires can take three to five business days depending on the receiving bank.
  • Once you send a wire, you cannot cancel it if the money has already left Chase's system, so verify all recipient details before confirming.

Information you need before sending a wire through Chase

For a domestic wire, you'll need the recipient's full legal name, their bank account number, and their bank's routing number. The routing number is a nine-digit code that identifies the bank — you can find it on a check, on the bank's website, or by calling the bank directly.

For an international wire, the process is more complex. You'll need the recipient's full name, their account number, the name and address of their bank, and the bank's SWIFT code (a code that identifies banks internationally). Some banks also require an IBAN (International Bank Account Number). If you're unsure what information to provide, ask the recipient to give you their bank details in writing, or contact their bank yourself.

Have the recipient's information ready and correct before you start the wire. Typos in names or account numbers can cause the wire to be rejected or sent to the wrong account, and reversing a wire is difficult or impossible once it's been sent.

Sending a domestic wire through Chase Online or the app

Log into Chase Online or open the Chase Mobile app and look for the "Transfers" or "Send Money" section. Select "Wire Transfer" and choose "Domestic Wire" if that option appears. Enter the recipient's name, account number, and routing number, then the amount you want to send.

Review all the details carefully — especially the recipient's name and account number — before you confirm. Chase will show you the wire fee at this point. Once you confirm, the wire is submitted and you'll receive a confirmation number. Save this number in case you need to contact Chase about the wire later.

The money typically leaves your Chase account within a few hours, though it may take one to two business days to appear in the recipient's account. The receiving bank controls how quickly they process incoming wires.

Sending an international wire through Chase

International wires follow the same basic steps but require more information. In Chase Online or the app, select "Wire Transfer" and choose "International Wire." You'll be asked to enter the recipient's name, account number, and bank details including the SWIFT code and the bank's address.

Chase will also ask whether you want to pay the wire fee yourself or have the recipient's bank deduct it from the amount received. If you pay the fee, the full amount you specify arrives at the recipient's bank. If the recipient's bank deducts it, they receive slightly less. International wire fees are higher than domestic fees — typically $40 to $50 or more depending on the destination country.

International wires can take three to five business days or longer, depending on the receiving bank's processing time and whether the wire passes through intermediary banks. Some countries have slower banking systems or require additional security checks, which can add days to the process.

Sending a wire by phone with Chase

If you prefer not to use online banking, you can call Chase's wire transfer line to send a wire. The phone number is on the back of your Chase debit card or on your account statements. A representative will ask for the recipient's information, verify your identity, and process the wire for you over the phone.

Phone wires take the same amount of time as online wires — one to two business days for domestic, three to five for international. You'll still pay the same fee. Some people use the phone option if they're unsure about the recipient's information and want to confirm details with a representative before sending, though this doesn't protect you if the information is wrong.

What happens if a wire goes wrong

If you send a wire to the wrong account number or routing number, the receiving bank may reject it and return the money to your Chase account. This can take several days. If the receiving bank accepts the wire but it goes to the wrong person, recovering the money is much harder — you may need to contact the receiving bank and ask them to contact the account holder, but they're not required to help.

If you realize you made a mistake immediately after sending, call Chase right away. If the wire hasn't left their system yet, they may be able to cancel it. Once the money has left Chase, cancellation is unlikely. This is why verifying all details before confirming is critical.

For international wires, if something goes wrong, the process to recover the money is even slower and more complicated, often involving multiple banks and sometimes requiring legal help. Mistakes on international wires are expensive to fix.

Wire transfer fees and account types

Chase's standard wire transfer fee for domestic wires is around $15 to $20, depending on your account type. International wires cost more — typically $40 to $50 or higher. Some Chase account tiers, like Chase Sapphire Preferred or certain business accounts, waive wire transfer fees as a benefit.

Before you send a wire, log into your account or call Chase to confirm what fee you'll pay. The fee will be deducted from your account balance, so make sure you have enough money to cover both the wire amount and the fee.

Frequently Asked Questions

How long does a Chase wire transfer take?

Domestic wires typically arrive within one to two business days. International wires usually take three to five business days, though some may take longer depending on the receiving bank and whether the wire passes through intermediary banks. Weekends and holidays can add extra time.

Can I cancel a wire transfer after I send it?

If you catch the mistake immediately, call Chase and ask if they can cancel it before it leaves their system. Once the money has left Chase, cancellation is very difficult or impossible. This is why you should verify all recipient details before confirming the wire.

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

Wire transfers are faster (one to two days) and more expensive, and they're harder to reverse. ACH transfers are slower (three to five days) and cheaper or free, and they can be reversed more easily. Chase offers both options — choose based on how quickly the recipient needs the money and how much you want to pay in fees.

Do I need the recipient's name to match their account exactly?

Yes. Banks use the account number and routing number to process wires, but they also check that the name matches. A typo in the recipient's name can cause the wire to be rejected. Use the exact legal name on their account.

What information do I need for an international wire?

You need the recipient's full name, account number, the bank's name and address, and the bank's SWIFT code. Some banks also require an IBAN. Ask the recipient to provide their bank details in writing to make sure you have everything correct.