The basic steps for a Chase bank transfer

A Chase bank transfer moves money from your Chase account to another bank account, either at Chase or elsewhere. You can do this through Chase's website, mobile app, or by phone. The method you choose depends on where the money is going and how quickly you need it to arrive.

Most transfers between two Chase accounts happen when ready and cost nothing. Transfers to other banks take one to three business days and are also free. Wire transfers, which move money the same day, cost between $15 and $30 depending on whether you're sending money domestically or internationally.

Key Takeaways

  • Transfers between two Chase accounts are when ready and free, while transfers to other banks take one to three business days at no cost.
  • You'll need the recipient's routing number and account number for transfers outside Chase, or just their Chase username or account number for internal transfers.
  • Wire transfers cost $15 to $30 but move money the same business day, making them faster than standard transfers.
  • Chase's mobile app and website both let you set up transfers yourself, and you can schedule them for a future date if needed.

Transferring money between two Chase accounts

If both accounts are at Chase and in your name, the transfer is the fastest option. Log into Chase.com or the Chase mobile app, go to "Transfer & Pay," and select "Send money." Choose the account you're sending from and the Chase account you're sending to. Enter the amount and confirm.

The money arrives when ready. You don't need routing numbers or account numbers—Chase recognizes the recipient account automatically if it's linked to your profile. If you're sending to someone else's Chase account, you'll need their username, email address, or full account number.

Transferring to a bank account outside Chase

Sending money to another bank takes longer but costs nothing. You'll need the recipient's full name, routing number, and account number. The routing number identifies the bank; the account number identifies the specific account within that bank.

In the Chase app or website, select "Transfer & Pay," then "Send money to another bank." Enter the recipient's bank information and the amount. Chase will ask you to verify the transfer, usually by confirming a small deposit they send to the account first. Once verified, future transfers to that account happen automatically.

Standard transfers take one to three business days. Weekends and federal holidays don't count as business days, so a transfer you send on Friday evening won't arrive until Tuesday or Wednesday.

Using wire transfers for same-day money movement

A wire transfer moves money the same business day but costs $15 for domestic transfers (within the United States) or $30 for international transfers. Wire transfers are irreversible once sent, so confirm the recipient's information carefully before you authorize it.

To send a wire through Chase, call 1-800-935-9935 or visit a Chase branch in person. You'll need the recipient's name, bank name, routing number, and account number. For international wires, you may also need the recipient's address and the bank's SWIFT code. Chase can usually process domestic wires the same business day if you request before 2 p.m. Eastern Time.

Setting up recurring or scheduled transfers

If you send money to the same person regularly, you can set up a recurring transfer in the Chase app or website. Go to "Transfer & Pay," select the recipient, and choose "Make this a recurring transfer." You can set it to repeat weekly, biweekly, monthly, or on a custom schedule.

You can also schedule a one-time transfer for a future date. This is useful if you know you'll have funds available on a specific day or want the money to arrive on a particular date. The transfer will process automatically on the date you choose, as long as your account has sufficient funds.

What to do if a transfer fails or takes too long

If a transfer to another bank is rejected, Chase will notify you and return the money to your account. Common reasons include an incorrect routing number, a closed account, or a mismatch between the account number and the account holder's name. Check the recipient's bank details and try again.

If a standard transfer hasn't arrived after three business days, contact Chase at 1-800-935-9935 or through the app's message center. Have the transfer confirmation number ready. Chase can investigate whether the money reached the other bank or if it's still in transit. If the receiving bank received the funds but hasn't posted them, the delay is on their end.

Wire transfers cannot be reversed once sent. If you sent a wire to the wrong account, contact Chase when ready and provide the wire confirmation number. Chase can attempt to recall the wire, but success depends on whether the receiving bank has already released the funds.

Frequently Asked Questions

Can I transfer money from Chase to PayPal or Venmo?

Yes. Both PayPal and Venmo have routing and account numbers, so you can link your Chase account to either platform and transfer money directly. Alternatively, you can transfer from Chase to your bank account, then link that account to PayPal or Venmo. The first method is faster.

Is there a limit to how much I can transfer?

Chase sets daily and monthly transfer limits that vary by account type and how long you've been a customer. New accounts typically have lower limits. Log into your account or call Chase to see your specific limits. You can request a temporary increase for a one-time large transfer.

What happens if I enter the wrong account number?

If the account number doesn't match any account at the receiving bank, the transfer will be rejected and the money returned to your Chase account. If the account number is valid but belongs to the wrong person, the money will be deposited into that account. This is why verifying the recipient's information is critical before sending.

Do I have to pay a fee for transfers between Chase accounts?

No. Transfers between your own Chase accounts are always free and when ready. Transfers to other banks are also free. Only wire transfers carry a fee ($15 domestic, $30 international).

How do I know if my transfer went through?

Chase sends a confirmation number when ready after you authorize the transfer. Check your transaction history in the app or website to see the status. For transfers to other banks, the status will show "pending" until the receiving bank posts it, which usually takes one to three business days.