Personal Finance Money transfer

Chase Bank wire transfer: Fees, limits & transfer time

Adam Rozsa

31.03.26 (last updated)

Read time 3 minutes

Whether you are an American expat or simply need to send money abroad, wiring money internationally is a fast way to move funds in order to pay bills or send money to friends and family.

If you’re not familiar with the process, here’s a simple guide for how to wire money with Chase Bank.

We'll also introduce Wise — your international money transfer alternative. Use Wise to send stress-free transfers to over 140 countries - all at the standard mid-market exchange rate.

Learn more 🔎

How to wire money with Chase Bank?

To wire money online with Chase, log into your Chase account online. Non-Chase customers can enroll using the link on their banking website.

After logging in, verify your identity by requesting an Activation Code, which takes a few minutes.

Once confirmed, go to the Pay & transfer tab, then choose 'Wires and global transfers., and securely wire money online.

Here’s our step-by-step guide:

Add recipient's information: Enter the recipient's name, address, country, and a nickname (for future use) by clicking on ""Add a wire recipient."" You can also include a custom message.
Fill recipient's bank details: Provide the recipient's bank routing number (ABA) for domestic transfers or International Bank Account Number (IBAN) for international transfers. Use the ABA/SWIFT Lookup Guide provided by Chase if needed. For transfers to a Chase account, find the Chase routing number.
Enter additional banking details: Verify the recipient's transfer information and provide the receiving bank's mailing address and account number. You can also leave a custom message for the bank.
Verify wire transfer information: Double-check all the details and numbers for accuracy. Use the ""Change"" button to make any necessary corrections. Once verified, you're ready to process the international wire transfer.

💡 If you'd like to set up direct deposits with Chase, read our guide here.

What are Chase’s wire transfer fees?

How much does it cost to wire money internationally with Chase? This is an important question to ask before choosing to send money abroad using Chase. Here is a list of the domestic and international wire transfer fees you can expect to pay.

Chase international wire transfer fee

Type of Wire Transfer	Fees¹
International Incoming Wire: A wire transfer is deposited into your account	$15 per transfer ($0 if the transfer was originally sent with the help of a Chase banker or using chase.com or Chase Mobile)
Consumer USD/FX International Wire: A banker helps you send a wire to a bank outside the U.S. in either U.S. dollars (USD) or foreign currency (FX)	$50 per transfer
Consumer Online USD International Wire: You use chase.com or Chase Mobile to send a wire from your checking account to a bank account outside the U.S. in U.S. dollars (USD)	$40 per transfer
Consumer Online FX International Wire: You use chase.com or Chase Mobile to send a wire from your checking account to a bank account outside the U.S. in foreign currency (FX)	$5 per transfer OR $0 per transfer if the amount is equal to $5,000 USD or more

Chase domestic wire transfer fee

Type of Wire Transfer	Fees¹
Domestic Incoming Wire: A wire transfer is deposited into your account	$15 per transfer ($0 if the transfer was originally sent with the help of a Chase banker or using chase.com or Chase Mobile)
Domestic Wire: A banker helps you send a wire to a bank account within the U.S.	$35 per transfer
Online Domestic Wire: You use chase.com or Chase Mobile to send a wire from your checking account to a bank account within the U.S.	$25 per transfer

Chase Bank offers ""fee-free"" international transfers over $5,000, but keep in mind that in these cases their exchange rate could be much worse than the mid-market rate. Then, it's possible that some customers might have special rates and fees.

Send money internationally with Wise to 140+ countries and 40+ currencies – all at the fair mid-market exchange rate with low, transparent fees.

Wise is a simple alternative for international payments and money transfers. To send money online with Wise, you will pay a small, flat fee and a percentage of the amount that’s converted.

See how much you can save with Wise:

Get a Wise Account
in minutes 💰

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.

Chase wire transfer: How long does it take, and what are the limits?

There are some other important details to know before wiring money with Chase. The maximum wire transfer amount depends on the available funds in your account and any limits established by the bank. You'll see your daily transfer limit after enrolling in wire transfers. To request higher limits for online wires, visit your local branch. Chase may have cut-off times for same-day processing; check with Chase directly for the most current deadlines.

	How long does it take?²
Domestic wire transfers	1-2 business days
International wire transfers	3-5 business days

For domestic wire transfers, it usually takes 1-2 business days for the funds to be received. For international wire transfers, it can take anywhere from 3-5 business days.

Be sure to take these timelines into account when wiring money online. Or find out how long would a money transfer take with Wise instead.

💡 Wise also offers a business account, if you need to manage local and international business finances.

Discover the difference between
Wise Business vs Personal

Some key features of Wise Business include:
Better visibility and organization of business finances. This is helpful for account reconciliations and audits. Major local account details for a simple one-off fee to receive international payments with ease No monthly account fees or minimum balance requirements Receive payments from e-commerce platforms such as Amazon or via Stripe. Create invoices using the free Wise invoice generator or invoice templates. Accounting integrations, including a QuickBooks Bill Pay connection Batch payment options. Fast payment of up to 1,000 people.

Some key features of Wise Business include:

Better visibility and organization of business finances. This is helpful for account reconciliations and audits.
Major local account details for a simple one-off fee to receive international payments with ease
No monthly account fees or minimum balance requirements
Receive payments from e-commerce platforms such as Amazon or via Stripe.
Create invoices using the free Wise invoice generator or invoice templates.
Accounting integrations, including a QuickBooks Bill Pay connection
Batch payment options. Fast payment of up to 1,000 people.

Sources:

All sources checked on 31 March 2026

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.