Yes, you can wire transfer money from a Chase savings account

Chase allows you to send wire transfers from a savings account, but the process and limits depend on which type of savings account you have and how you set up the transfer. You can initiate a wire through Chase's website, mobile app, or by calling the bank directly. The main thing to know upfront: wire transfers from savings accounts work the same way as from checking accounts, but some Chase savings products have monthly transfer limits that may affect how often you can send wires.

A wire transfer is when you send money electronically from your bank account to someone else's account, usually at a different bank. The money typically arrives within one business day. Unlike a check or ACH transfer (which takes several days), a wire is fast and hard to reverse, so banks require you to provide specific information about where the money is going.

Key Takeaways

  • Chase savings accounts can send wire transfers through their website, mobile app, or by phone, and the money usually arrives within one business day.
  • Some Chase savings accounts have a limit on how many transfers you can make per month, which may include wire transfers depending on the account type.
  • To send a wire, you will need the recipient's bank name, account number, routing number, and their full name — have this information ready before you start.
  • Wire transfer fees at Chase vary by account type and whether you are sending money domestically or internationally, so check your account terms or call the bank to confirm the cost.
  • If you are sending money to someone outside the United States, the wire may take longer and require additional information like a SWIFT code.

How to send a wire transfer from Chase online or mobile

Log into your Chase account on the website or open the Chase Mobile app. Look for the "Transfers" or "Send Money" section — the exact wording varies depending on which version you are using. Select "Wire Transfer" from the menu of transfer options.

You will be asked whether you are sending money domestically (within the United States) or internationally. Then enter the recipient's information: their full name, bank name, account number, and the routing number of their bank. For international wires, you will also need the SWIFT code, which is a code that identifies banks outside the U.S. Chase will show you the wire fee before you confirm, so you can see the cost before the money leaves your account.

Review all the details carefully — wire transfers cannot be reversed once they are sent. Confirm the transfer, and Chase will process it. Domestic wires usually arrive within one business day; international wires may take three to five business days.

Sending a wire by phone or at a Chase branch

If you prefer not to use the website or app, you can call Chase at the number on the back of your debit card and ask to send a wire transfer. A representative will walk you through the same information: recipient name, bank details, and amount. You can also visit a Chase branch in person and ask a teller to help you send a wire.

Phone and in-person wires may have higher fees than online wires, so ask about the cost before you proceed. Some branches may require you to bring a photo ID and may limit how much you can wire in a single day.

Transfer limits on Chase savings accounts

Chase savings accounts, including the Chase Savings Account and Chase Premier Plus Savings, historically had a limit on how many transfers you could make per month. Federal rules that enforced this limit were removed, but Chase may still explore limits depending on your specific account. Check your account agreement or call Chase to find out whether your savings account has a monthly transfer limit and whether wire transfers count toward that limit.

If your account does have a limit and you reach it, you may not be able to send additional wires that month. In that case, you could move money from your savings to a Chase checking account first, then send the wire from checking — checking accounts typically do not have transfer limits.

Wire transfer fees and costs

Chase charges a fee for wire transfers, but the amount depends on whether you are sending money within the U.S. or internationally. Domestic wire fees are usually lower than international wire fees. The exact fee varies by account type — some premium Chase accounts may have lower or waived wire fees.

The fee is deducted from your savings account balance when the wire is sent. Before you confirm a wire transfer online or by phone, Chase will show you the fee amount. If you are unsure about the cost, call Chase or log into your account and check the fee schedule in your account details.

What information you need to send a wire

Before you start a wire transfer, gather the recipient's banking information. You will need their full legal name (the name on their bank account), the name of their bank, their account number, and their bank's routing number. The routing number is a nine-digit code that identifies the bank; you can find it on a check or by asking the recipient's bank directly.

For international wires, you will also need the SWIFT code (also called a BIC code), which serves the same purpose as a routing number but for banks outside the U.S. Ask the recipient or their bank for the SWIFT code if you do not have it. Double-check all of this information before you send the wire — if any detail is wrong, the money may go to the wrong account or be delayed.

Domestic versus international wire transfers

A domestic wire transfer stays within the United States and usually arrives within one business day. An international wire transfer goes to a bank outside the U.S. and typically takes three to five business days, though it can take longer depending on the destination country and the receiving bank's processing time.

International wires cost more than domestic wires and require additional information like the SWIFT code. Some countries also require an IBAN (International Bank Account Number) instead of or in addition to an account number. If you are unsure what information the recipient's bank needs, ask them directly — providing incomplete information can delay the transfer.

Frequently Asked Questions

Is there a limit on how much I can wire from my Chase savings account?

Chase does not publish a single maximum wire amount, but your bank may have daily or per-transaction limits based on your account type and history. Call Chase or check your account settings to see if a limit applies to you. If you need to send a very large wire, contact the bank in advance.

Can I cancel a wire transfer after I send it?

Once a wire transfer is sent, it cannot be reversed. If you realize you made a mistake, contact Chase when ready — the bank may be able to contact the receiving bank and ask them to return the funds, but this is not may provide and may take time. Always double-check the recipient's information before you confirm.

Why does my wire transfer say it is pending?

A pending status usually means Chase has processed the wire on their end but the receiving bank has not yet received or credited it. Domestic wires typically clear within one business day; international wires may show as pending for several days. If a wire is pending longer than expected, contact Chase to check the status.

Do I need a minimum balance to send a wire from my savings account?

Chase does not require a minimum balance to send a wire, but your account must have enough money to cover both the transfer amount and the wire fee. If your balance is too low, the wire will be rejected.

Can I set up automatic wire transfers from my savings account?

Chase does not offer automatic wire transfers. You must initiate each wire manually through the website, app, or by phone. If you need to send money regularly, you might consider setting up an automatic ACH transfer instead, which is free and can be scheduled in advance.