Chase wire transfer fees depend on the type of transfer and your account

Chase charges $15 for domestic wire transfers sent through most checking and savings accounts. International wire transfers cost $45 when you initiate them, plus an additional fee if the receiving bank deducts charges from the amount that arrives. Some Chase accounts waive these fees entirely — notably Chase Premier Plus and certain business accounts — so your account type matters as much as the transfer itself.

The fee is deducted from your account when you send the wire, not added on top. If you have $1,000 and send a $1,000 domestic wire, Chase takes $15 and the recipient gets $985. You cannot send a wire for less than the fee itself; Chase will reject it.

Wire transfers through Chase's mobile app, online banking, or in person at a branch all carry the same fee. The method you use does not change the cost.

Key Takeaways

  • Domestic wires cost $15; international wires cost $45 plus any fees the receiving bank charges.
  • Chase Premier Plus checking and certain business accounts have no wire transfer fees.
  • The fee comes out of your account balance, so you need enough money to cover both the transfer amount and the fee.
  • Incoming wires to your Chase account are free, but the sending bank (not Chase) may have charged the sender.

Which Chase accounts waive wire transfer fees

Chase Premier Plus Checking waives domestic and international wire transfer fees. This account requires a $25,000 minimum balance and comes with other perks like higher interest rates and fee waivers on other services. If you regularly send wires, the fee waiver alone may offset the cost of maintaining the balance.

Some Chase business accounts also waive wire fees, depending on the account tier and your business banking relationship. Chase Business Platinum Checking and higher-tier business accounts typically include this benefit. Call your business banker or check your account agreement to confirm whether your business account includes wire fee waivers.

Standard Chase checking and savings accounts — including Chase Total Checking and Chase Savings — do not waive wire fees. If you have one of these accounts, you pay the full $15 or $45 each time.

How international wire fees actually work

Chase charges you $45 to send an international wire. That is the fee you see upfront. But the receiving bank in the destination country may also charge a fee, and that fee comes out of the money the recipient gets — not out of your pocket.

For example: you send $1,000 internationally. Chase takes $45 from your account. The recipient's bank in Germany takes another $10 or $20 from the $1,000, so the recipient receives $980 or $990. You have no control over what the receiving bank charges, and Chase cannot tell you in advance what that fee will be.

If you want the recipient to receive a specific amount, you need to send more than that amount to account for both Chase's $45 fee and the receiving bank's fee. Ask the recipient what their bank typically charges, or use an online calculator that estimates receiving bank fees by country.

Timing and when the fee is charged

Chase processes domestic wires the same business day if you send them before 5 p.m. ET on a weekday. The $15 fee is deducted immediately when you submit the wire, even if the wire does not arrive until the next day.

International wires take longer — typically 1 to 3 business days depending on the destination country and the receiving bank's processing speed. Chase still charges the $45 fee right away, before the wire actually leaves Chase's system.

If you cancel a wire before it is sent, Chase refunds the fee. Once the wire has been sent, the fee is not refundable, even if the wire is rejected by the receiving bank or returned for any reason.

Alternatives to wire transfers at Chase

ACH transfers are free at Chase and take 1 to 3 business days. They work for transfers within the United States to another bank account. ACH is slower than a wire but costs nothing, so if you do not need the money to arrive the same day, ACH saves you $15.

Chase QuickPay (for bill payments) is also free and works for paying companies, utilities, and other payees. It takes 1 to 3 business days. If you are paying a bill rather than sending money to another person's bank account, QuickPay may be an option.

Zelle, Chase's peer-to-peer payment service, is free and instant for transfers between people who both use Zelle. However, Zelle has daily and monthly limits — typically $500 to $2,000 per transaction depending on your bank and account history. Zelle does not work for international transfers.

If you need money to arrive the same day and the recipient is outside the United States, a wire is your only option at Chase, and you will pay the $45 fee.

What happens if a wire is rejected or returned

If you provide an incorrect account number or routing number, the receiving bank may reject the wire. Chase will attempt to return the money to your account, but this process takes several business days. The $15 or $45 fee you paid is not refunded — you still owe it even though the wire failed.

If the receiving bank rejects the wire because the account does not exist or the account holder's name does not match, contact Chase immediately with the rejection notice. Chase can sometimes resubmit the wire with corrected information, but you may have to pay the fee again.

Always double-check the routing number and account number before you send. A wrong digit costs you the fee and delays the money by days.

Frequently Asked Questions

Do I pay the wire fee if the wire is rejected?

Yes. Chase charges the fee when you send the wire, not when it arrives. If the receiving bank rejects it, the fee is not refunded. You can ask Chase to resubmit with corrected information, but that may require paying the fee again.

Can I send a wire transfer from my Chase savings account?

Yes. Both Chase checking and savings accounts can send domestic and international wires. The fee is the same: $15 domestic, $45 international. Some savings accounts may have additional restrictions — check your account agreement or call Chase to confirm.

How do I know if my wire arrived?

Chase sends a confirmation number when you send the wire. For domestic wires, the money usually arrives the same business day. For international wires, it takes 1 to 3 business days. You can log into your Chase account and see the wire listed as pending or completed. Ask the recipient to confirm when they receive it.

What if I need to send a wire but do not have enough money for the fee?

You cannot send a wire if your account balance is less than the transfer amount plus the fee. Deposit more money first, or send a smaller amount. Alternatively, use ACH or Zelle if they work for your situation.

Does Chase charge me if someone sends me a wire?

No. Receiving a wire at Chase is free. However, the person who sent you the wire paid their bank's fee, and the sending bank may have deducted additional fees from the amount you received.