Chase wire transfer fees depend on whether you send money domestically or internationally
Chase charges $15 for domestic wire transfers sent through a Chase branch or online banking. International wire transfers cost $45 when you initiate them yourself through Chase's website or app. If you call a Chase representative to send an international wire, the fee is $50. These are the standard fees as of now, though Chase can change them without notice.
The fee is deducted from your account when you send the wire, not added on top. So if you send a $1,000 domestic wire, $15 comes out of your account and $1,000 reaches the recipient (assuming no intermediary bank fees on their end). For international wires, the recipient may also face fees charged by their own bank, which are separate from what Chase charges you.
Some Chase accounts waive wire transfer fees. If you hold a Chase Private Client account or certain business accounts, you may have a set number of free wires per month. Check your account terms or call Chase at 1-800-935-9935 to confirm whether your account includes this benefit.
Key Takeaways
- Domestic wires through Chase cost $15 whether you send them online or at a branch.
- International wires cost $45 online or $50 by phone, and the recipient's bank may charge additional fees.
- Some Chase account types include free or discounted wire transfers; check your account agreement or call Chase to confirm.
- The wire fee is taken from your account balance before the money leaves, not added to the transfer amount.
- Wire transfers typically arrive the same business day for domestic transfers and within one to three business days for international transfers.
When you pay the fee and how it affects the amount sent
Chase deducts the wire fee from your account at the time you send the transfer. This means the full amount you specify goes to the recipient, minus nothing—the fee comes out of your Chase account separately. If your account has insufficient funds to cover both the wire amount and the fee, the transfer will be rejected.
For example, if you have $1,015 in your account and send a $1,000 domestic wire, you will have $0 left after the $15 fee is charged. If you only have $1,010, Chase will decline the wire because you do not have enough to cover both the transfer and the fee.
International wires work the same way. The recipient receives the exact amount you specify; Chase takes the $45 or $50 fee from your account. However, the recipient's bank may charge its own incoming wire fee, which reduces what the recipient actually receives. This is separate from Chase's fee and varies by bank and country.
Domestic versus international wire costs and timing
Domestic wires—transfers between U.S. bank accounts—cost $15 and usually arrive the same business day if sent before the cutoff time (typically 2 p.m. Eastern). International wires cost $45 online or $50 by phone and take one to three business days, depending on the destination country and whether intermediary banks are involved.
The higher cost of international wires reflects the complexity of moving money across borders. International transfers often pass through multiple banks before reaching the recipient, and each intermediary bank may charge a fee. These intermediary fees are not set by Chase and are not included in the $45 or $50 you pay upfront. The recipient's bank will deduct them from the amount received.
If you need to send money internationally and want to avoid multiple fees, ask the recipient what their bank charges for incoming international wires. Some banks charge flat fees; others charge a percentage. Knowing this in advance helps you decide whether a wire is the right method or whether an alternative like ACH (if available) or a money transfer service might be cheaper.
How to send a wire through Chase and where fees apply
You can send a wire through Chase in three ways: online banking, the Chase mobile app, or by visiting a branch or calling a representative. Online and app transfers cost the standard fee ($15 domestic, $45 international). Calling a Chase representative to send an international wire costs $50 instead of $45—a $5 premium for the phone service.
To send a wire online or through the app, log in to your Chase account, select "Send Money," then choose "Wire Transfer." You will need the recipient's full name, bank account number, routing number (for domestic) or SWIFT code (for international), and the recipient's bank name and address. Chase will show you the fee before you confirm, so you can see the exact amount being charged.
At a Chase branch, a teller can initiate the wire for you. Bring a photo ID and have the recipient's banking information ready. The fee is the same as online ($15 domestic, $45 international), and the wire is typically sent the same day if you arrive before the branch cutoff time.
Accounts and situations where wire fees are waived or reduced
Chase Private Client accounts, which require a minimum balance or relationship with Chase, often include a set number of free domestic and international wires per month. Business accounts may also include wire transfer benefits depending on the account tier. If you have a Chase Sapphire Preferred or other premium credit card, those benefits do not extend to wire transfers—the fee still applies to your checking or savings account.
Some Chase accounts waive the first wire transfer fee in a calendar year or offer reduced rates for frequent users. These benefits vary by account type and change periodically. The best way to know whether your account includes wire fee waivers is to check your account agreement online or call Chase directly at 1-800-935-9935 and ask a representative about your specific account.
If you send wires regularly, the fee structure may influence which account type makes sense for you. A business account with free wires might save you money if you send more than a few wires per month. Chase can provide a cost comparison if you describe your typical wire activity.
What happens if a wire transfer fails or is delayed
If a wire transfer fails because of incorrect recipient information (wrong account number, routing number, or SWIFT code), Chase will attempt to recover the funds. This process can take several weeks. You will not be refunded the wire fee, even if the transfer fails. The fee is charged at the time you send the wire, regardless of whether it reaches the recipient.
If a wire is delayed—for example, if it does not arrive within the expected timeframe—contact Chase immediately. Domestic wires should arrive the same business day; if yours has not arrived by the next business day, call 1-800-935-9935 to report it. International wires take longer, but if one has not arrived within three business days, contact Chase to investigate.
Chase does not refund wire fees for delays caused by intermediary banks or the recipient's bank. However, if Chase made an error in processing your wire, they may refund the fee. Document the error in writing and contact Chase's wire transfer department to request a review.
Alternatives to wire transfers and their costs
If the wire fee seems high for your transfer, consider alternatives. ACH transfers (Automated Clearing House) are free through Chase and take one to three business days. ACH works for transfers between U.S. bank accounts and has no fee, but it is slower than a wire and has lower daily limits (typically $10,000 to $25,000 depending on your account).
Peer-to-peer payment apps like Venmo, PayPal, or Cash App are free for transfers between individuals but charge fees for instant transfers or business payments. These work best for smaller amounts between people you know.
Money transfer services like Western Union or MoneyGram charge their own fees for international transfers, which may be higher or lower than Chase's $45 depending on the destination and amount. Compare the total cost—including any fees the recipient's bank charges—before choosing a method.
For large international transfers, some people use specialized money transfer platforms like Wise (formerly TransferWise), which often charge lower fees than banks for international wires. These services are not affiliated with Chase but may be worth comparing if you send money internationally regularly.
Frequently Asked Questions
Can I send a wire transfer for free through Chase?
Free wires depend on your account type. Chase Private Client and some business accounts include free or discounted wires. Most standard checking and savings accounts charge $15 for domestic and $45 for international wires. Call Chase at 1-800-935-9935 to confirm whether your account includes free wire transfers.
Do I get the wire fee back if the transfer fails?
No. Chase charges the fee when you send the wire, not when it arrives. If the wire fails due to incorrect information, you lose the fee. Chase will attempt to recover the funds, but the fee is not refunded. If Chase made an error, you can request a fee refund in writing.
Why does an international wire cost more than a domestic one?
International wires pass through multiple banks in different countries before reaching the recipient. Each intermediary bank may charge a fee, and currency conversion adds complexity. Chase's $45 or $50 covers their processing; the recipient's bank and intermediary banks charge separately.
How long does a Chase wire transfer take?
Domestic wires arrive the same business day if sent before 2 p.m. Eastern. International wires take one to three business days, depending on the destination country and intermediary banks involved. Weekends and holidays extend the timeline.
Is there a limit on how much I can wire through Chase?
Chase sets daily and monthly wire transfer limits that vary by account type and your banking history. New accounts typically have lower limits. Log into your account to see your limit, or call Chase at 1-800-935-9935 to request an increase if you need to send a larger amount.