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Chase Bank wire transfer review
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Chase offers the convenience of sending secure international wire transfers online or at your local bank branch — but watch out for member requirements and high fees.
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 wire transfer:
| Outgoing (from online) | Outgoing (from a Chase branch) | Incoming | Between 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?
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 TransferWise.
- TransferWise is a peer-to-peer transfer service that uses the mid-market rate — the same rate banks and transfer services use when they trade among themselves — so with TransferWise you’ll get the best exchange rate possible on your transfer.
- OFX is a global company that offers competitive exchange rates and low fees on money transfers, with a focus on larger transfers over $1,000.
- XE, known for providing exchange rate information, also sends money transfers to more than 100 countries at competitive rates.
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?
Use our comparison calculator to assess transfer fees, exchange rates and other details for sending funds overseas with our money transfer partners.
Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
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:
- Add a wire recipient to your account.
- Choose Make a Wire Transfer and enter your transfer details.
- 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.
What to keep in mind with 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.
Available currencies and countries
Send money in more than 40 currencies to more than 90 countries worldwide.
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?
Easily 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.
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:
- Log in and select QuickPay with Zelle.
- Follow the onscreen instructions to select a recipient and enter the amount you want to send.
- Hit Send money.
- Receive a confirmation that your money was sent.
Chase SWIFT/BIC information
Use SWIFT/BIC information to track your transfer. It may also be necessary when wiring money abroad.
| Bank name | SWIFT/BIC | Bank address | Recipient’s name | Recipient’s account number |
|---|---|---|---|---|
| JP Morgan Chase Bank | CHASUS33 | Chase Bank, 270 Park Avenue, New York, NY 10017 | Beneficiary’s name as it appears on the bank statement | Complete bank account number |
What’s my Chase routing number?
| Region | Routing/ABA Number |
|---|---|
| Arizona | 122100024 |
| California | 322271627 |
| Colorado | 102001017 |
| Connecticut | 021100361 |
| Florida | 267084131 |
| Georgia | 061092387 |
| Idaho | 123271978 |
| Illinois | 071000013 |
| Indiana | 074000010 |
| Kentucky | 083000137 |
| Louisiana | 065400137 |
| Michigan | 072000326 |
| Nevada | 322271627 |
| New Jersey | 021202337 |
| New York (downstate) | 021000021 |
| New York (upstate) | 022300173 |
| Ohio | 044000037 |
| Oklahoma | 103000648 |
| Oregon | 325070760 |
| Texas | 111000614 |
| Utah | 124001545 |
| Washington | 325070760 |
| West Virginia | 051900366 |
| Wisconsin | 075000019 |
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, TransferWise 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.
Ask an Expert
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
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
I want to learn how to do wire transfer this is my whatsapp number +23*********** pls help me
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
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?
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
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?
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
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?
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
Please answer the question about the minimum transfer amount from a Chase bank to a Russian bank Sberbank! They send me a letter stating that they cannot send the sum of $ 1100, but $ 1800 is already possible. Is this true and what are these new requirements for sending funds?
Hi Egor,
Thanks for your question.
There is no minimum transfer limit for Chase Bank but it has a daily limit on of $100,000 on wire transfers.
I’m not sure why you are unable to send the full $1,100 to your recipient. You may have to contact Chase at 800-935-9935 to check why.
The requirements for sending money to Russia from a Chase bank account include the receiver’s bank account information, international bank account number (IBAN) and international bank identifier code (BIC), or the receiving country equivalent.
There are other ways to send money to Russia. So be sure to check them out to know your alternative options.
I hope this helps.
Cheers,
Anndy
Hi I’m from South Africa and awaiting funds from the USA, how much will i be charged to receive payment?
Hi John,
Thanks for leaving a question on finder.
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)
If you do not have a Chase bank account, you may want to check with your bank directly on what other charges they might have. Please note that there may also be intermediary fees on top of your bank fees.
Please send me a message if you need anything else. :)
Cheers,
Joel
how can i deposit money from Bangladesh to my chase checking account in USA?
Hi Zaman,
Thanks for reaching out to finder.
You can deposit the money by doing a bank to bank transfer or by using an independent money transfer company.
You can initiate an international bank transfer online- by logging in to your Bangladesh online baking account. If your bank in Bangladesh does not have online banking service, you can visit your bank’s nearest branch to do the deposit or transfer in person.
If bank to bank transfer is not an option for you, you can use international transfer providers to deposit the money to your Chase bank account. You can then choose to send the money online or by visiting an agent location.
I hope this helps.
Cheers,
Charisse
How can I pay online the amount from my chase bank account to australia with bsb and account number?
Thank you
Hi Ron,
Thank you for leaving a question.
If you are referring about transferring an amount to Australia with BSB, this is currently not being offered by Chase since Chase could only make transfers via the clearXchange Payments Network. The participating banks are as follows:
Bank of America
Capital One P2P Payments
Chase QuickPay
FirstBank Person to Person Transfers
Frost Send Money
U.S. Bank Send Money
Wells Fargo SurePay
You may need to reach out to a money transfer company that offers bank transfers for you to be able to complete your transaction. Hope this helps!
Cheers,
Reggie
I have a transfer coming from france to Chase USA, what information do I need to make the transfer?
Hi Ann,
Thanks for reaching out.
If you are sending an international money transfer to a Chase bank account, you will need these wire details: bank name, bank address and the Chase bank SWIFT Code.
Hope this helps,
Joanne