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Chase Bank wire transfer review

A quick way to send money around the world - but watch out for high fees and weak exchange rates.

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Chase Bank allows you to send a wire transfer in over 40 currencies to more than 90 countries worldwide. It also offers the convenience of sending secure international wire transfers online or at one of its 4,700 branch locations nationwide. But watch out for member requirements, weak exchange rates and high fees compared to independent transfer companies.

Chase wire transfer fees

The Chase wire transfer fee you’ll pay depends on how you’re sending the transfer and whether you’re sending or receiving an international or domestic wire transfer:

Outgoing (from online)Outgoing (from a Chase branch)IncomingBetween Chase accounts
Chase domestic wire transfer$25$35$15$0
Chase international wire transfer$40$50$15$0
Chase international wire transfer (in foreign currency)$5$50$15$0

Wire transfer fees from September 2020 for Chase Total Checking® accounts.

Chase offers lower fees when transferring using its foreign currency exchange option, but keep in mind that the exchange rate offered by Chase may be far weaker than money transfer competitors. Because of this, the bottom option, International wire transfer (in foreign currency), may seem far cheaper than the other options until you take into account the exchange rate attached to it.

Chase currency exchange rates

Like any large bank, Chase updates its rates regularly in line with global currency market fluctuations. The Chase currency exchange rates you’ll be offered are similar to those of other large US banks but not as attractive as the rates you’ll get by using an independent money transfer specialist.

MUST READ: Who charges less for wire transfers?

Independent transfer services usually win out over banks when it comes to fees. There are several providers that will send a transfer for free with competitive exchange rates, including OFX, XE and Wise.

What are the transfer limits?

The total daily limit on wire transactions with Chase is $100,000 or your available balance. Business customers can request a higher limit.

How does Chase compare to other services?

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
OFX
24 hours
$0

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Dunbridge Financial
Dunbridge Financial
24 hours
$0

View details
Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
CurrencyTransfer
24 hours
$0
SPECIAL OFFER ✓ Minimum transfer of $1,000 for Finder readers (normally £5,000)

View details
Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
XE
Within minutes
$3

View details
XE has fast transfers with low fees and a range of foreign currency tools.
WorldRemit
Within an hour
From $1.99

View details
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Wise (TransferWise)
Within an hour
From $2.26

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Instarem
Within an hour
$1

View details
Exclusive: Use code GET60 to save 30 USD on each transaction over 200 USD. Valid for the first two transactions and till 30 November 2021. T&Cs apply.
Instarem offers zero transfer fees on all transfers.
Remitly
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

View details
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Western Union
Within an hour
From $0

View details
Western Union sends money online to friends and family in 200+ countries around the world.
MoneyGram
Within an hour
From $0

View details
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
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Compare up to 4 providers

How do I send a Chase international wire transfer?

To send an international wire transfer with Chase, you first need to open a checking account. Once you’ve set up your account, take these steps to transfer money online:

  1. Add a wire recipient to your account.
  2. Choose Make a Wire Transfer and enter your transfer details.
  3. Review your transaction details and send your funds.

What types of transfers can I make with Chase?

You have two options for transferring money with Chase:

  • One-off transfers. Make a one-time wire transfer.
  • Recurring transfers. Schedule a repeating wire transfer.

You can send your international wire transfer on the same day or initiate a transfer for a future date online or at a Chase bank branch. If you submit your transfer by 4 p.m. ET, it will be processed the same business day.

With online banking, you can send repeat wire transfers to the same recipient and delegate others to request and approve wire transfers.

Does Zelle work with Chase?

Yes. Chase customers can send money through Chase QuickPay with Zelle, a peer-to-peer payment service, using the mobile app. Here’s what you need to do:

  1. Log in and select QuickPay with Zelle.
  2. Follow the onscreen instructions to select a recipient and enter the amount you want to send.
  3. Hit Send money.
  4. Receive a confirmation that your money was sent.

Pros and cons of Chase wire transfers

Pros

  • Secure transfers. Wire transfers are a safe, reliable way to send money to international bank accounts.
  • Trusted institution. Chase is ranked No. 1 for customer satisfaction in the large bank category for three consecutive years by the American Customer Satisfaction Index.
  • Financial strength. Chase is backed by JP Morgan Chase & Co., a leading global financial services firm.
  • Easy process. Chase provides step-by-step instructions for hassle-free money transfers.

Cons

  • High fees. You’ll pay more in fees than you would by going with an independent money transfer provider.
  • Chase customers only. You need to bank with Chase and set up a checking account to make a transfer.
  • Weak exchange rates. Independent transfer companies usually offer better exchange rates than most banks.

Which currencies are available for international wire transfers?

Send money in more than 40 currencies to more than 90 countries worldwide.

  • Australian Dollar
  • Bahamian Dollar (BSD)
  • Bahraini Dinar (BHD)
  • Barbados Dollar (BBD)
  • Bermudian Dollar (BMD)
  • Botswanan Pula (BWP)
  • Bulgarian Lev (BGN)
  • Canadian Dollar (CAD)
  • Croatian Kuna (HRK)
  • Czech Koruna (CZK)
  • Danish Krone (DKK)
  • Euro (EUR)
  • Ghana Cedi (GHS)
  • Great British Pound (GBP)
  • Hong Kong Dollar (HKD)
  • Hungarian Forint (HUF)
  • Indian Rupee (INR)
  • Jamaican Dollar (JMD)
  • Japanese Yen (JPY)
  • Kenyan Shilling (KES)
  • Kuwaiti Dinar (KWD)
  • Mexican Peso (MXN)
  • Moroccan Dirham (MAD)
  • New Israeli Sheqel (ILS)
  • New Zealand Dollar (NZD)
  • Norwegian Krone (NOK)
  • Omani Rial (OMR)
  • Pakistan Rupee (PKR)
  • Polish Zloty (PLN)
  • Qatari Rial (QAR)
  • Romanian Leu (RON)
  • Saudi Riyal (SAR)
  • Serbian Dinar (RSD)
  • Singapore Dollar (SGD)
  • South African Rand (ZAR)
  • Sri Lanka Rupee (LKR)
  • Swedish Krona (SEK)
  • Swiss Franc (CHF)
  • Thai Baht (THB)
  • Trinidad and Tobago Dollar (TTD)
  • Turkish Lira (TRY)
  • UAE Dirham (AED)
  • Uganda Shilling (UGX)

Which countries are unavailable for international wire transfers?

As a general rule, you will not be able to transfer money to the following countries due to US sanctions:

  • Afghanistan
  • Belarus
  • Iran
  • Iraq
  • Lebanon
  • Liberia
  • Libya
  • Myanmar
  • Sierra Leone
  • Syria

How do I track my Chase wire transfer?

You can check the progress of a transfer through your online banking account, by visiting a branch location or by calling Chase’s customer service line between 8 a.m. and 8 p.m. ET at 800-935-9935.

Chase wire transfer help

If you need to speak to someone at Chase to help with your wire transfer, reach out using the following numbers.

  • For scheduling a wire transfer, call 877-242-7372.
  • If you bank online, call the Chase Commercial Online Service Center at 877-226-0071.
  • For government, not-for-profit and healthcare banking clients, call 855-893-2223.

Chase SWIFT/BIC information

Use SWIFT/BIC information to track your transfer. It may also be necessary when wiring money abroad.

Bank nameSWIFT/BICBank addressRecipient’s nameRecipient’s account number
JP Morgan Chase BankCHASUS33Chase Bank, 270 Park Avenue, New York, NY 10017Beneficiary’s name as it appears on the bank statementComplete bank account number

What’s my Chase routing number?

RegionRouting/ABA Number
Arizona122100024
California322271627
Colorado102001017
Connecticut021100361
Florida267084131
Georgia061092387
Idaho123271978
Illinois071000013
Indiana074000010
Kentucky083000137
Louisiana065400137
Michigan072000326
Nevada322271627
New Jersey021202337
New York (downstate)021000021
New York (upstate)022300173
Ohio044000037
Oklahoma103000648
Oregon325070760
Texas111000614
Utah124001545
Washington325070760
West Virginia051900366
Wisconsin075000019

Bottom line

Chase is a safe, reliable way to send money overseas. But you’ll pay a sizable transfer fee to get your funds to your recipient. Compare Chase’s international and domestic wire transfer services with your other options from international money senders like MoneyGram, Wise and more to find the right transfer solution for your situation.

Frequently asked questions

Can I save my recipient’s details to make future transfers easy?

Yes, you can save the details of frequent recipients to speed up the process for future transfers.

Can I submit a wire request at any time?

Yes, you can submit online transfer requests at any time.

Can I send domestic wire transfers from a Chase checking account?

Yes, you can send and receive domestic wire transfers from your account and also receive incoming wire transfers from overseas.

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42 Responses

    Default Gravatar
    JasmineApril 9, 2019

    Someone purchase my product through olx and promised to pay me through bank transfer. Chase Bank emailed me a notice that Ms. Arenas already transferred the payment so I mailed the product. She already got my item but she and the Chase bank emailed me that to complete the payment I and Ms. Arenas should send 5k each to meet the minimum limit of transfer which is 40 , 500 pesos since the item only costs 30,000. Until now I’m still waiting for the payment. Please help me

      Avatarfinder Customer Care
      johnbasanesApril 10, 2019Staff

      Hi Jasmine,

      Thank you for reaching out to Finder.

      We are a comparison website and not a money transfer company. You may however contact Chase directly for assistance due to the complexity of your concern. If you have the contact details of your buyer, you may also request assistance on what options you have in completing the transaction. Hope this helps!

      Cheers,
      Reggie

    Default Gravatar
    AlswagMarch 17, 2019

    I want to learn how to do wire transfer this is my whatsapp number +23*********** pls help me

      Avatarfinder Customer Care
      johnbasanesMarch 18, 2019Staff

      Hi Alswag,

      Thank you for reaching out to Finder.

      To send a wire transfer, you need to visit your local branch and provide the following information about the recipient’s account:
      Account holder name and full address
      Account number
      Branch number and full address
      Institution number
      Swift Code / BIC / IBAN code
      Routing Number (international)

      The representative would be able to assist you further.

      Hope this helps!

      Cheers,
      Reggie

    Default Gravatar
    KarinFebruary 6, 2019

    A friend wants to loan me $100.000 and transferred the money from his Chase account into my Chase checking account within the US. It’s the third day now and the money hasn’t arrived. Chase says that because of the large amount the transaction is ‘on hold’ and can’t say when they’ll do the transaction. What’s the reason behind this?

      Avatarfinder Customer Care
      JhezFebruary 7, 2019Staff

      Hello Karin,

      Thank you for your comment.

      Transferring a large amount of money generally takes days for it to be done. Chase do this in order to ensure that there isn’t fraud happening when the transfer is made. If you want to check the status of the transfer, you may contact the bank directly.

      Regards,
      Jhezelyn

    Default Gravatar
    SandeepJanuary 24, 2019

    Someone transferred me money through express wire from Chase to Indian bank. It’s been 3 days but the money was not transferred yet. What to do next?

      Avatarfinder Customer Care
      CharisseJanuary 25, 2019Staff

      Hi Sandeep,

      Chase international wire transfers are typically available to the recipient within 3-5 business days after being sent. However, the receiving bank (Indian bank) may have its own review process which could delay delivery.

      You can contact your sender to let him know that you still haven’t received the money in your Indian bank account so he can make a follow up on the transfer status with Chase.

      I hope this helps.

      Cheers,
      Charisse

    Default Gravatar
    AlohaDecember 9, 2018

    Is it possible to open a chase bank account in south Korea?
    If one of my family opens a chase bank account in south Korea, do they still charge for fees when money is transferred between accounts?

      Default Gravatar
      nikkiangcoDecember 12, 2018

      Hi Aloha,

      Thanks for reaching out! You can open a Chase bank account in South Korea. A fee is not charged when you transfer from one Chase bank to another Chase bank. If it’s a Chase to different bank account transfer, the charges are below:

      Chase Bank charges varying fees depending on whether you’re sending or receiving an international wire transfer:

      Outgoing fee. $40
      Incoming fee. $15 (waived for Chase Premiere Platinum accounts)

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

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