Chase charges $15 for domestic wire transfers and $45 for international ones, but the fee depends on how you send the money

Chase's wire transfer fee is $15 if you're sending money within the United States and $45 if you're sending it to another country. These are the standard fees when you initiate a wire through Chase's website, mobile app, or at a branch. The fee comes out of your account at the time you send the wire, not added on top of what the recipient gets.

The actual cost you pay can shift based on how you send the wire and what type of account you have. Some Chase accounts waive wire fees entirely, and some situations—like wiring money to pay a Chase loan or mortgage—may not charge you at all. It's worth checking your specific account terms before you assume you'll pay the standard rate.

Key Takeaways

  • Domestic wires cost $15 and international wires cost $45 at Chase, charged when you send the money.
  • Certain Chase accounts, including some premium checking and investment accounts, waive wire transfer fees entirely.
  • Wires sent through Chase's website or app cost the same as wires sent in person at a branch.
  • The recipient's bank may charge a separate fee to receive the wire, which is not Chase's responsibility.

Which Chase accounts waive wire fees

Chase Premier Plus Checking, Chase Sapphire Banking, and Chase Private Client accounts all waive domestic and international wire transfer fees. If you have one of these accounts, you can send unlimited wires without paying Chase's standard fee. The catch is that these accounts typically require higher minimum balances—usually $25,000 to $100,000 depending on the account—or come with monthly service charges if you don't meet the balance requirement.

Some Chase investment accounts and brokerage accounts also waive wire fees as part of their account benefits. If you're not sure whether your account includes this perk, log into your Chase account online or call the number on the back of your debit card and ask. The fee waiver is usually listed in your account terms or fee schedule.

How to send a wire and when the fee applies

You can send a wire through Chase's website, mobile app, or by visiting a branch in person. The $15 domestic or $45 international fee applies the same way no matter which method you use. When you initiate the wire, Chase will show you the fee before you confirm, so you'll know the total amount leaving your account.

The fee is deducted when ready when the wire is sent. If your account doesn't have enough money to cover both the wire amount and the fee, the wire will be rejected. Some wires—like those paying a Chase mortgage, home equity line of credit, or auto loan—may not charge a fee at all, though this varies by loan type and account status.

Incoming wire fees and what the recipient pays

Chase does not charge you a fee to receive a wire transfer. If someone sends you money via wire, it arrives in your account at no cost to you. However, the bank that sends the wire may charge the sender a fee, and the recipient's bank (if it's not Chase) might charge a receiving fee—but Chase itself does not.

If you're expecting a wire and want to know whether the sender will be charged, tell them to check with their own bank. The sending bank's fee is separate from Chase's fee and depends on that bank's policies.

International wires and currency exchange

The $45 international wire fee covers Chase's processing cost, but it does not include currency conversion. If you're sending money to a country with a different currency, Chase will convert the funds at its exchange rate, which typically includes a markup above the mid-market rate. This markup is separate from the $45 wire fee and can add significantly to your total cost.

Before you send an international wire, ask Chase what exchange rate it will use. Some customers find it cheaper to use a specialist money transfer service for international payments, especially for large amounts, because those services sometimes offer better rates. However, if you need the wire to arrive quickly and you're already a Chase customer, the $45 fee plus the exchange rate may still be your fastest option.

Timing and when the wire actually arrives

Domestic wires sent before 2 p.m. Eastern Time on a business day usually arrive the same day. Wires sent after 2 p.m. or on weekends and holidays will process the next business day. International wires typically take one to three business days depending on the destination country and the receiving bank's processing speed.

The $15 or $45 fee is charged when you send the wire, regardless of when it arrives. If the wire is rejected for any reason—wrong account number, closed account, or insufficient funds—Chase may still charge the fee. Ask whether the fee will be refunded if the wire fails before you confirm the transaction.

Comparing Chase wire fees to other banks

Chase's $15 domestic wire fee is in the middle of the range for large banks. Bank of America charges $15 for domestic wires, Wells Fargo charges $15, and Citibank charges $15. Some online banks and credit unions charge less—often $10 or even $0—but they may have other trade-offs like slower processing or fewer international options.

For international wires, Chase's $45 fee is standard among major banks, though the exchange rate markup is where costs really vary. If you send international wires regularly, comparing the total cost (fee plus exchange rate) across a few banks might save you money over time.

Frequently Asked Questions

Can I get the wire fee refunded if the wire fails?

Chase's policy on refunding failed wire fees varies. Some failures—like an incorrect account number that the bank catches before sending—may result in a refund, but others may not. Contact Chase when ready if a wire fails and ask whether the fee can be reversed. Having this conversation before you send the wire is better than assuming you'll get the money back.

Do I pay the fee if I wire money to pay my Chase loan or mortgage?

Wires to Chase loan accounts, mortgages, and credit cards often do not charge a fee, but this is not may provide for all account types. Check your account terms or call Chase before sending to confirm. If you're unsure, ask whether the fee will be waived for that specific transaction.

What's the difference between a wire transfer and an ACH transfer at Chase?

ACH transfers are slower (one to three business days) but usually free or cost $1. Wire transfers are faster (same day for domestic) but cost $15 or $45. Use ACH if you have time and want to save the fee; use a wire if you need the money to arrive quickly.

Will Chase show me the fee before I send the wire?

Yes. When you initiate a wire through Chase's website, app, or at a branch, the fee will be displayed before you confirm the transaction. You'll see the wire amount, the fee, and the total that will leave your account.

Do I pay a fee to receive a wire at Chase?

No. Chase does not charge incoming wire fees. If someone sends you money via wire, it arrives at no cost to you. The sender's bank may charge them a fee, but that does not affect what you receive.