Get answers to the most common questions about wire transfers.
Am I eligible to send and receive a wire transfer?
You may send and receive wire transfers for all checking accounts except for Chase Secure Checking and Chase First Checking.
How much money can I send through an online wire?
The maximum wire amount depends on the available funds in your account and any limits established by the bank. After enrolling in wire transfers, you'll see your daily transfer limit, before being prompted to add a recipient.
How can I check the status of my wire?
To check the status of a wire you sent, sign in, then follow the next steps.
On the Chase Mobile ® app:
Please call us at 1-800-935-9935 if you don't see your wire. Business banking customers, please visit Chase for Business.
Can I cancel a wire?
Domestic: For same-day wires, you don't have the option to cancel. For future-dated wires, you have until 11 :59 PM ET the day before the send date.
International: If you send a wire transfer from your personal account, you have 30 minutes after you authorize the wire to cancel it. To cancel a wire transfer, look for it in your Wire activity and choose "Cancel" in the Action column. You'll only see "Cancel" next to a wire if you're able to cancel it.
Note: Recovery of your money is very unlikely if you send money by mistake or due to a scam. Once you send a wire, you can't cancel it.
Why was my wire returned?
A wire can be returned for several reasons:
Your wire may be returned with a lesser amount for several reasons:
If your wire was returned, call us at 1-800-935-9935 to find out why. We accept operator relay calls.
I sent money to the wrong account. What can I do?
You can go to your Wire activity and see if canceling the wire is an option in the action column. Otherwise, call us at 1-800-935-9935. We accept operator relay calls.
I believe I was scammed when I sent a wire transfer. What can I do?
If you suspect fraud or a scam, call us at 1-800-935-9935 immediately to file a claim. We accept operator relay calls.
Where can I send money and what currencies can I send?
You can send money to more than 90 countries and more than 40 different currencies. Federal regulations place some restrictions on where you can send a wire. Currency options are specific to the country to which money is being wired.
What is a guaranteed exchange rate?
For foreign exchange wires, an exchange rate will be shown in the send flow prior to authorizing your wire and will be guaranteed for 30 minutes. There will be a counter within the wire summary telling you how long you have until your rate expires and a new rate is locked in for another 30 minutes. We apply our exchange rate once you submit your transaction.
What's a SWIFT code?
A bank information code (SIC) or SWIFT code tells us which bank will receive your wire transfer. You need this code when you set up your recipient. If you don't know it, contact your recipient's bank, or go to: https://www2.swift.com/bsl/.
Do I need an IBAN?
An IBAN (International Bank Account Number) identifies specific bank accounts at international banks. We don't use an IBAN. When someone outside the U.S. wires money, give them your account number and our SWIFT code (CHASUS33).
How do I receive a wire?
To receive a domestic wire transfer, give the sender your account and Chase's routing number (021000021 ). To receive an international wire transfer, give the sender our bank identification code (BIC) or SWIFT (CHASUS33) and your account number.
How long does it take to receive a wire transfer?
If you're expecting an incoming wire transfer, it can take 24 hours to reflect in your account after it gets to Chase. If you don't see your incoming wire transfer, reach out to the sender to confirm that it was sent, then call us at 1-800-935-9935.
If you don't have the app, scan this code
If you don't have the app, scan this code
We're happy to help. Schedule a meeting at a branch today. Bring your photo ID and mobile phone. Sending a wire in branch or with the help of a banker may have a higher fee.
Use Zelle ® , pay bills online , deposit checks using your phone and more.
Chase Mobile ® app is available for select mobile devices. Message and data rates may apply.
Enrollment in Zelle ® with a U.S. checking or savings account is required to use the service. Chase customers must use an eligible Chase consumer or business checking account, which may have its own account fees. Consult your account agreement. To send money to or receive money from a small business, both parties must be enrolled with Zelle ® directly through their financial institution’s online or mobile app experience. Funds are typically made available in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle ® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile ® app or Chase Online℠. Limitations may apply. Message and data rates may apply.
Zelle ® is intended for payments to recipients you know and trust and is not intended for the purchase of goods from retailers, online marketplaces or through social media posts. Neither Zelle ® nor Chase provide protection if you make a purchase of goods using Zelle ® and then do not receive them or receive them damaged or not as described or expected. In case of errors or questions about your electronic funds transfers, including information on reimbursement for fraudulent Zelle ® payments, see your account agreement. Neither Chase nor Zelle ® offers reimbursement for authorized payments you make using Zelle ® , except for a limited reimbursement program that applies for certain imposter scams where you sent money with Zelle ® . This reimbursement program is not required by law and may be modified or discontinued at any time.
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