Chase wire transfers: type of wire transfer ,limits and charges

Last Updated on September 13, 2025 by admin

Chase wire transfers are a reliable and efficient way to send money domestically and internationally through JPMorgan Chase, one of the largest banking institutions in the United States.

These transfers offer a secure method for moving funds quickly between accounts, making them a popular choice for personal, business, and international transactions.

Wire transfers through Chase allow individuals and businesses to send money to nearly any bank account in the world, providing a high level of convenience and global reach.

The process of initiating a Chase wire transfer is straightforward. Customers can request a transfer through Chase’s online banking platform, by visiting a local branch, or through the Chase mobile app.

Once initiated, the funds are typically processed and available in the recipient’s account within one to two business days, depending on the destination and currency involved.

Read: How to register for Metro Bank Uk Online Banking and Mobile app & open account

Table of Contents

What can you do with chase wire transfer

With Chase (JPMorgan Chase Bank), wire transfers are a secure way to send money domestically or internationally. Here’s a breakdown of what you can do with a Chase wire transfer, including key features, limits, fees, and requirements.

1. Send Money Domestically (U.S. Wire Transfer)

To individuals or businesses within the U.S.
Same-day or next-business-day delivery if initiated during business hours.

Use cases:

Pay contractors or suppliers
Close on a real estate deal
Send funds between your own accounts at different banks

2. Send Money Internationally

To banks in other countries, in USD or foreign currency (e.g., EUR, GBP, MXN).
May take 1–5 business days depending on destination, currency, and banking systems involved.

Use cases:

Pay international vendors or employees
Send money to family/friends abroad
Transfer funds to your international accounts

3. Receive Wire Transfers (Domestic or International)

You can receive both types of wires into your Chase account.

You’ll need to provide:

Your full name
Chase account number
Chase routing number (for domestic wires)
SWIFT/BIC code (for international wires)
Chase’s address (commonly: 270 Park Avenue, New York, NY 10017)

How Chase Wire Transfers Work

1. You Initiate the Wire Transfer

You can start a wire transfer through:

Chase online banking or mobile app
Visiting a Chase branch

2. You Provide Transfer Details

You’ll need the following info, depending on the type of transfer:

Domestic Transfers (U.S. only):

Recipient’s full name
Recipient’s U.S. bank name
Routing number (9-digit)
Recipient’s account number
Optional: memo/reference

International Transfers:

Recipient’s full name and address
Bank name and address
SWIFT/BIC code of recipient’s bank
IBAN (for Europe and some countries)
Currency type (USD or local)
Recipient’s account number

3. Chase Sends the Funds

Once submitted:

Domestic wires are sent via Fedwire or ACH (usually same-day).
International wires go through SWIFT, an international financial messaging system.
Once send Chase debits your account for the amount plus any applicable fees.

4. Receiving Bank Processes It

The recipient’s bank receives the funds and credits them to the recipient’s account.
You and/or the recipient may receive confirmation once it’s complete.

Processing Time

Type of Wire	Processing Time
Domestic (U.S.)	Same business day (if before cutoff, ~5 PM ET)
International (USD or foreign currency)	1–5 business days (depends on country, currency, and receiving bank)

What Is a Wire Transfer?

A wire transfer is a method of electronically sending money from one bank account to another—either domestically or internationally. It’s fast, secure, and widely used for large or urgent payments like buying property, paying suppliers, or sending funds abroad.

Types Of Wire Transfers Offered By Chase

Chase offers two main types of wire transfers, each tailored to different needs and destinations. Here’s a breakdown of what they provide:

How to Send a Wire Online via Chase

Log in to chase.com/mobile app
Navigate to “Pay & Transfer” > “Wire money”
Add recipient (if new)
Enter:
- Bank name
- Routing/SWIFT/IBAN
- Account number
- Amount and currency
Review and submit
Chase may send you a security code to confirm

Read: How to register cash App account: send and receive money

How to Receive a Wire into Your Chase Account

Give the sender the following:

For Domestic Wires:

Your full name (as on the account)
Your Chase account number
Chase routing number for wires: 021000021
Chase bank address:
270 Park Avenue, New York, NY 10017

For International Wires:

All of the above, plus:
SWIFT code: CHASUS33
Your full address

Read; How to send and receive money with Zelle

Fees And Charges For Chase Wire Transfers

Here are the current fees and charges for Chase wire transfers (domestic and international) plus some related cost factors you should watch out for.

If your account has special status (premium, business, etc.), some fees may be lower or waived. Always check with Chase for the latest info. These are based on the latest publicly available sources.

Chase Wire Transfer Fees

Type of Wire	Outgoing / Sending Fee*	Incoming / Receiving Fee*
Domestic (within U.S.)	• $25 for online/app transfer • $35 if done in‑branch (banker assisted)	• $15
International	• $40 for outgoing wires in US Dollars via online/app • $5 for outgoing wires in foreign currency via online/app if amount is under ~$5,000 • $0 fee for foreign currency outgoing wires if amount is $5,000 or more via online/app • $50 for outgoing international wires done in-branch (banker assisted)	• $15 for incoming international wires

Read: Chase Routing Number and how to Use it

Chase wire transfer limits

Chase doesn’t publish fixed wire transfer limits by account type—instead, it uses a dynamic limit system that adjusts based on your account history, relationship with the bank, and security profile

Here are the main, fairly consistent reports:

Scenario	Reported Limit or Behavior	Notes / Source
Online/App wires for “standard” personal accounts	~$25,000 per business day	Many users report this limit for outgoing wires initiated via app/online.
Business customers / premium / Private Client / other high-balance accounts	Higher limits; exceptions may be made above the $25,000 online cap; in‑branch may allow much larger amounts (up to or limited by available balance)	Users suggest that business or premium account holders can get higher limits, or do larger transfers in branch.
In‑branch wires	The limit tends to be much higher, sometimes only constrained by your available balance and internal approvals rather than a fixed cap	Reports from customers indicate that for large amounts (e.g. real estate closing wires) going to branch + involving managers makes big transfers possible.
Daily overall cap for wire transfers	Some sources cite ~$250,000 per business day (or the available balance, whichever is lower) for many customers, for outgoing wires.

How to Check Your chase wire transfer Limit

To check your Chase wire transfer limit, you’ll need to go through Chase’s online or mobile banking platform. Chase uses a dynamic limit system, which means your exact limit isn’t fixed—it’s calculated based on your account type, history, and security profile. Here’s how to find it:

Via Chase Online or Mobile App

Log in to your Chase account.
Navigate to “Pay & Transfer” > “Wire Money”.
Select “Add a Recipient” or choose an existing one.
Enter the amount you wish to send.
Your daily transfer limit will be displayed before you confirm the transaction

This is the most accurate way to see your current limit, as it reflects Chase’s real-time assessment of your account

In Person or by Phone

Visit a Chase branch and speak with a banker.
Call Chase customer service to inquire about your limit or request a temporary increase.

For very large transfers (e.g., $880,000), Chase may require multiple transactions or an in-person appointment

Read: Wells Fargo Routing Number: How to find routing number and how to find it.

Chase wire routing number

For Chase wire transfers, the routing number depends on the type of transfer:

Chase Wire Transfer Routing Number (Domestic Wires):

Routing Number: 021000021
Bank Name: JPMorgan Chase Bank, N.A.
Bank Address: 270 Park Avenue, New York, NY 10017

This number is used for all domestic wire transfers — regardless of your state.

Chase SWIFT Code (International Wires):

SWIFT/BIC Code: CHASUS33

Use this for international wire transfers coming to or from the U.S.

Don’t confuse with:

Chase account routing numbers (for ACH/direct deposit), which vary by state.
Wire transfers always use the above dedicated wire routing number (021000021).

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Meet Ogbeide Frank, also known as Perere, a blogger passionate about writing on finance and technology. He studied Business Administration at Ambrose Alli University in Ekpoma and Mobile Communication at Orange College in Malaysia. Frank has experience working as a banker and consultant for various agencies in Nigeria.