How to Wire Money with Chase Bank: Your Complete Guide Here


Sending money directly from one bank account to another is usually the safest and most convenient way of making a payment. If you bank with Chase you have a couple of options for sending local and international money transfers, which come with different features and fees.

This guide runs through the costs of sending money with Chase, including wire payment fees, and the exchange rate charges involved with overseas transfers. We’ll also look at a fast, low-cost alternative for comparison when sending an international payment - TransferWise.

How to send money with Chase Bank?

You can send money locally and internationally from your Chase bank account. Services are offered in branches, by phone, and online[1] - and you can also make some domestic payments using Zelle - a third party payment provider which allows instant payments.

Sending money overseas with Chase

Chase supports international wire payments to a range of countries and currencies. The easiest - and cheapest - way to make an international payment with Chase is via online banking. However, you’ll still need to pay a fee, which may be an upfront charge, an additional percentage margin added onto the exchange rate used, or both. We’ll cover the costs you need to know about a little later on.

Local transfers

Chase allows customers to send domestic wires online or by visiting a branch in person. You can set up future dated and repeat wire payments if you need to, for convenience. There’s a fee to pay for sending a domestic wire.

As an alternative you can send domestic payments through Chase using their tie-up with Zelle. Zelle lets customers send money to US bank accounts using only your recipient’s phone number or email. Payments can arrive in just a few minutes - perfect for splitting a restaurant bill or paying your share of a taxi ride. There are no fees, although you might have to pay message and data charges.

How to wire money online with Chase Bank

You can send a wire payment online using the Chase app or online banking service. You’ll need to set up the recipient by inputting their personal details such as name, bank account and routing number, and mailing address. For international transfers you might need additional details such as a SWIFT code or IBAN. To get started you simply need to log into Chase online banking and follow the onscreen prompts to add all the details required for your specificity transfer.

How to make an international transfer in branch

If you’d rather send your payment in branch you can have a customer service agent walk you through the process and check you have all the information you need. 

You can simply visit your local Chase office during banking hours to initiate your payment. However, it’s worth noting that the fees for arranging payments in person are higher than online.

What time does Chase Bank close?

If you want to make a transfer with Chase Bank in branch, you’ll need to check the opening hours for your local branch online before you set out. You can search for specific locations, or browse by state on the Chase website. Typical opening hours are:

  • Monday to Friday - 9am to 5pm  
  • Saturday -  9am to 2pm 
  • Sunday - closed

Chase Bank wire transfer rates

There are transaction fees - as well as some other potential costs - to consider when sending and receiving wire payments with Chase. Here’s a breakdown of the key charges you need to know about

Chase Bank domestic wire fees

Here’s what you’ll pay to send and receive a Chase wire transfer.

ServiceChase Bank fee
Domestic wire sent onlineUSD25
Domestic wire sent in branchUSD35
Receive domestic wireUSD15 - waived if the transfer is from a Chase account

Chase Bank international wire fees

International wire fees are typically more expensive than domestic, and involve both upfront fees and exchange rate charges - here’s the costs for sending money overseas with Chase.

ServiceChase Bank fee
Online international wire in foreign currencyUSD5 for transfers under USD5,000 value - no upfront fee for payments over this value
You’ll also pay an exchange rate markup - more on that below
Online international wire in USDUSD40
International wire made in branchUSD50
If you’re sending in a foreign currency, you’ll also pay an exchange rate markup - more on that below

Chase Bank exchange rates

You’ll notice the costs of sending an international wire vary greatly depending on whether you send in USD or a foreign currency. It looks like it’s cheaper to send a payment in foreign currency than in USD - but you do need to look a little closer at the details to understand if this is really good value.

When you send money in a foreign currency through any bank or money service provider, you need to look at the exchange rate used. That’s because the rate applied might include an extra fee, which pushes up costs - and makes it hard to see what you’re really paying for your wire. Here’s what Chase says about the exchange rates they use:

“The exchange rate we use will include a spread and may include commissions or other costs that we, our affiliates, or our vendors may charge in providing foreign currency exchange to you….You should expect that these rates will be less favorable than rates quoted online or in publications.”

Check the exchange rate you’re quoted by Chase against the mid-market exchange rate you can find on Google, to see the markup added. Or, compare the quote against a provider which uses the mid-market exchange rate with no markups, like TransferWise, to see if you can get a better deal.