What Chase charges for wire transfers
Chase charges $15 for domestic wire transfers sent through a Chase branch or online banking. If you send a wire through a Chase ATM, the fee is $10. International wire transfers cost $45 when sent domestically (meaning you initiate the transfer in the US) and $50 when sent from a Chase branch outside the US.
These fees apply whether you send the wire from a checking account, savings account, or money market account. The fee is deducted from your account at the time you send the transfer, so the full amount you specify goes to the recipient—Chase does not add the fee on top.
Some Chase accounts waive wire transfer fees entirely. If you hold a Chase Private Client account or certain business accounts, you may have wire transfers included at no cost. Check your account agreement or call Chase at 1-800-935-9935 to confirm whether your specific account type includes this benefit.
Key Takeaways
- Domestic wire transfers through Chase cost $15 online or at a branch, and $10 through an ATM.
- International wire transfers cost $45 when initiated in the US and $50 when sent from a Chase branch abroad.
- The wire fee is taken from your account balance, not added on top of the amount you send.
- Some Chase account types, including Private Client accounts, may have wire transfer fees waived.
- You can confirm your account's wire fee policy by reviewing your account agreement or calling Chase directly.
Domestic vs. international wire costs
The difference between domestic and international wires at Chase is straightforward: domestic transfers (money moving between US banks) cost $15, while international transfers cost $45 or $50 depending on where you initiate the transfer. If you are sending money to a bank account outside the United States, you will pay the higher international rate.
International wires also take longer to arrive—typically 1 to 5 business days depending on the receiving country and bank, whereas domestic wires usually arrive the same business day or next business day. The receiving bank may also charge a fee on their end, which comes out of the amount the recipient receives.
When the fee is charged and how to see it
Chase deducts the wire fee from your account immediately when you send the transfer. You will see the fee listed as a separate line item in your transaction history, labeled as "Wire Transfer Fee" or similar. The fee appears in your account within hours of sending the wire, even if the wire itself takes longer to reach the recipient.
If you are sending money through Chase online banking, you will see the fee amount displayed on the confirmation screen before you authorize the transfer. This gives you a chance to cancel if you change your mind. At a branch, the teller will tell you the fee before processing the wire.
How to send a wire transfer at Chase
You can send a wire transfer through three Chase channels: online banking, a Chase branch, or a Chase ATM. Online is the fastest and most common route—log into your Chase account, select "Send Money," then "Wire Transfer," and follow the prompts. You will need the recipient's bank name, account number, and routing number.
At a Chase branch, a teller can send the wire for you. Bring your ID and have the recipient's banking details ready. At a Chase ATM, select the wire transfer option from the menu and enter the recipient information on screen. ATM wires are limited to certain account types and transfer amounts, so this option is not available to all customers.
All three methods charge the same fee unless your account includes a waiver. The main difference is speed and convenience—online is fastest, branches offer in-person help if you have questions, and ATMs are available 24/7 but with more restrictions.
Incoming wire transfers and receiving fees
Chase does not charge you a fee to receive a domestic wire transfer into your Chase account. The money arrives in your account at no cost to you. However, if the sending bank is outside the US, that bank may charge a fee to send the wire, and some international wires pass through intermediary banks that also deduct fees along the way.
When you receive an international wire, you may see a smaller amount arrive than what was sent, because intermediary banks have taken fees from the transfer. There is nothing Chase can do about these fees—they are charged by the sending bank or the banks in between, not by Chase.
Alternatives to wire transfers
If the $15 Chase wire fee is a concern, consider other ways to move money. ACH transfers (Automated Clearing House) are free through Chase online banking and typically arrive within 1 to 3 business days. Zelle, Chase's peer-to-peer payment service, is also free and reaches other US bank accounts in minutes to hours, though it is limited to smaller amounts (usually $500 to $2,000 per transaction depending on your account).
For international transfers, Chase International Money Transfer may offer better rates than a standard wire, especially for larger amounts. Services like Wise (formerly TransferWise) or OFX often charge lower fees for international transfers than banks do, though they are separate from your Chase account and require setting up an account with them first.
What to do if you were charged a wire fee you did not expect
If a wire fee appears in your account and you did not authorize the wire, contact Chase immediately at 1-800-935-9935 or visit a branch. Explain what happened and ask whether the fee can be reversed. Chase may reverse the fee if you can show you did not send the wire, though this is rare—most often, the fee stands because the wire was sent from your account.
If you sent the wire but were not told about the fee beforehand, you can still ask Chase to review the charge. Some branches or customer service representatives will reverse a single unexpected fee as a courtesy, especially if you have been a customer for a long time. There is no may provide, but it is worth asking.
Frequently Asked Questions
Can I send a wire transfer for free at Chase?
Only if your account type includes a wire transfer waiver. Most standard Chase checking and savings accounts charge $15 for domestic wires. Private Client accounts and some business accounts may have wires included. Call Chase or check your account agreement to confirm.
How long does a Chase wire transfer take?
Domestic wires typically arrive the same business day or the next business day. International wires take 1 to 5 business days depending on the receiving country. Wires sent after business hours or on weekends are processed the next business day.
What happens if I send a wire to the wrong account number?
The wire will go to whatever account number you provided, even if it belongs to someone else. Once sent, you cannot cancel a wire. Contact Chase immediately and provide the details of the wire. Chase can attempt to contact the receiving bank and ask them to reverse it, but there is no may provide the money will be returned.
Do I pay the wire fee if the transfer fails?
If the wire fails before being sent (for example, because you entered an invalid routing number), Chase typically does not charge the fee. If the wire is sent but rejected by the receiving bank, the fee may still apply. Ask Chase whether the fee will be refunded in your specific situation.
Is there a limit on how much I can wire through Chase?
Chase does not publish a single wire transfer limit—it varies by account type and your account history. Most customers can wire $10,000 to $25,000 per day, but limits are higher for business accounts and established customers. Call Chase or log into your account to see your specific limit.