What you need to give the sender
To receive a wire transfer into a Chase account, you need to provide the sender with three pieces of information: your Chase account number, your routing number, and the name on your account exactly as it appears at Chase. The sender will use these details to instruct their bank to move money to you.
Your Chase routing number is 021000021 for most domestic wire transfers, regardless of which state your account is in. You can confirm this is correct by logging into your Chase account online, calling Chase at 1-800-935-9935, or visiting a branch in person. Some senders may ask for a SWIFT code if they are sending from outside the United States; Chase's SWIFT code is CHASUS33.
Do not give the sender your debit card number, PIN, password, or any other login information. Wire transfers need only the account number, routing number, and account holder name.
Key Takeaways
- Provide your Chase account number, routing number (021000021), and the exact name on your account to the sender.
- Domestic wire transfers typically arrive within one business day; international wires may take three to five business days.
- Once a wire transfer is sent, it cannot be recalled or stopped, so confirm all details with the sender before they initiate the transfer.
- Chase does not charge you a fee to receive a wire transfer, but the sending bank may charge the sender.
- Check your Chase account online or by phone to confirm the wire has arrived; Chase will not call you to notify you of incoming transfers.
How long a wire transfer takes to arrive
A domestic wire transfer sent from another U.S. bank to your Chase account usually arrives within one business day. If the sender initiates the transfer before the cutoff time (typically 2 p.m. Eastern Time on a business day), the money often appears in your account the same day or by the next business day. Transfers sent after the cutoff or on weekends and holidays will be processed on the next business day.
International wire transfers take longer. Money sent from outside the United States to your Chase account may take three to five business days to arrive, depending on the sending country and the banks involved. Some international transfers route through multiple intermediary banks, which adds time.
Chase does not hold or delay wire transfers once they arrive at the bank. The money is available immediately in your account, though you should verify the amount and sender details match what you expected.
Where to find your account and routing numbers
Your Chase account number appears on the bottom left of your checks, if you have them. It is also visible in the Chase mobile app: open the app, tap the account you want to receive the wire into, and look for the account number displayed on the account details screen.
You can also find both numbers by logging into Chase.com, selecting the account, and clicking on account details or settings. If you do not have online access or prefer to speak with someone, call Chase at 1-800-935-9935 and a representative will provide both numbers over the phone. You can also visit a Chase branch and ask a teller to write down your account number and confirm the routing number.
What happens when the wire arrives
When a wire transfer arrives at Chase, the funds are deposited directly into your account. You will see the transaction appear in your account history online or in the mobile app, usually within minutes of the wire being received. The transaction will show the sender's name or bank name, the amount, and the date and time it arrived.
Chase does not send email or text notifications for incoming wire transfers. You must check your account yourself to confirm the money has arrived. Log into Chase.com or the mobile app and look at your recent transactions, or call the automated phone line at 1-800-935-9935 to hear your account balance.
If you are expecting a wire and do not see it after the expected timeframe has passed, contact Chase immediately. Have the sender's bank name, the amount, and the date the sender says they initiated the transfer ready when you call.
What to do if a wire transfer does not arrive
If a wire transfer does not arrive within the expected timeframe, contact Chase as soon as possible. Call 1-800-935-9935 and tell the representative the amount, the sender's name or bank, and the date the sender initiated the transfer. Chase can trace the wire and determine whether it is still in transit, was rejected, or went to the wrong account.
If the wire was sent to the wrong account number or routing number, it may have been deposited into another bank or account. Chase can attempt to recover the funds, but this process is slow and not always successful. This is why it is critical to double-check all account details with the sender before they send the money.
If the sender's bank says the wire was sent but Chase has no record of it, the wire may have been rejected during processing. This can happen if the account number or routing number was incorrect, or if there was a mismatch between the account holder name and the account number provided. Ask Chase which detail caused the rejection and have the sender resubmit with the correct information.
Fees and limits for receiving wire transfers
Chase does not charge you a fee to receive a wire transfer. The money arrives in full, and you keep all of it. However, the sender's bank may charge the sender a fee to send the wire, typically between $15 and $30. This is the sender's cost, not yours.
There is no limit on the amount of money you can receive via wire transfer into a Chase account. You can receive multiple wires on the same day, and each will be processed separately. However, if you receive a very large wire or multiple large wires in a short period, Chase may flag the activity for review as part of anti-money-laundering procedures. This does not mean the transfer is blocked; it means Chase is verifying the source of the funds. The review usually takes one to two business days.
Frequently Asked Questions
Can I receive a wire transfer if my Chase account is new?
Yes. As long as your account is open and active, you can receive wire transfers immediately. You do not need to wait any period of time or meet any minimum balance. Provide your account number and routing number to the sender, and the wire will be processed normally.
What if the sender puts the wrong name on the wire transfer?
Chase will still deposit the wire into your account if the account number is correct. The account number is what matters; the name is a secondary check. However, if the account number is wrong and the name does not match the account it was sent to, the receiving bank may reject the wire and send it back to the sender.
Can I cancel a wire transfer after the sender has sent it?
No. Once a wire transfer is sent, it cannot be stopped or recalled. The money is in motion and will arrive at Chase within one business day (domestic) or three to five business days (international). If you need to cancel, contact Chase immediately and provide all details, but be aware that recovery is unlikely if the wire has already been processed.
Do I need to do anything to prepare my Chase account to receive a wire?
No. Your account is ready to receive wires as soon as it is open. You do not need to enable anything, add a contact, or notify Chase in advance. Simply provide your account number and routing number to the sender.
What if I receive a wire transfer by mistake?
Contact Chase immediately and report that the wire was sent to you in error. Chase can attempt to return the funds to the sender's bank, but you should not spend the money. If you do spend it and Chase is later unable to recover it from you, you may be held liable. Report the error as soon as you notice it.