Chase offers three main ways to send money: wire transfer, Chase QuickPay (for people you know), and Chase Pay (to businesses)

A wire transfer moves money directly from your Chase account to another bank account, usually within one business day. It's the fastest option for sending larger amounts, but it costs money and cannot be reversed once sent. Chase QuickPay lets you send money to friends and family who have a Chase account or email address—it's free and faster than a wire, but both people need to be set up in the system. Chase Pay works with certain retailers and bills, but it's not for sending money to individuals.

Which one you use depends on who you're sending money to, how fast you need it to arrive, and whether you want to pay a fee. This guide walks you through each method, what it costs, and what can go wrong.

Key Takeaways

  • Wire transfers cost between $15 and $30 depending on whether you're sending money within the US or internationally, and they cannot be stopped or reversed after you submit them.
  • Chase QuickPay is free and works only if the person you're sending to has a Chase account or has set up a QuickPay profile with their email address.
  • You need the recipient's full name, account number, and routing number for a wire transfer, or their email or phone number for QuickPay.
  • Domestic wire transfers usually arrive within one business day; international wires take three to five business days and cost more.
  • Once a wire transfer is sent, Chase cannot recall it—you can only ask the receiving bank to return the money, which they are not required to do.

Wire transfers: cost, speed, and what you need

A wire transfer is the most direct way to move money out of Chase. You provide the recipient's bank account details, Chase deducts the money from your account, and the receiving bank deposits it into the other account. The money moves through the banking system (usually the Federal Reserve's wire network), not through Chase's own system, so it reaches any US bank.

Chase charges $15 for a domestic wire transfer (within the US) and $15 to $30 for an international wire, depending on the country and whether the receiving bank charges an additional fee. Some Chase accounts waive wire fees—check your account terms or call 1-800-935-9935 to confirm. The recipient's bank may also charge a fee to receive the wire, though this is less common.

Domestic wires arrive within one business day, often the same day if you send before 2 p.m. ET on a weekday. International wires take three to five business days and require additional information about the recipient's bank (SWIFT code, IBAN, or other international identifiers). Once you submit a wire, it cannot be stopped or reversed—if you send it to the wrong account, you have no recourse except to contact the receiving bank and ask them to return it, which they are not required to do.

How to send a wire transfer through Chase online or mobile app

Log into Chase.com or the Chase mobile app and navigate to the Transfers section. Select "Send Money" or "Wire Transfer" (the exact wording varies by app version). Choose the account you want to send from and enter the recipient's information: full name, account number, routing number, and bank name.

For a domestic wire, you need the nine-digit routing number of the receiving bank. You can find this on a check, by calling the bank, or by searching online. For an international wire, you'll need the SWIFT code (also called BIC code) and usually the IBAN (International Bank Account Number) or the recipient's full address. Chase will show you the total fee before you confirm.

Review all details carefully—especially the account number and routing number—because you cannot change them after submission. Confirm the transfer, and Chase will deduct the money from your account when ready. You'll receive a confirmation number and a reference number for the wire. Save these in case you need to track the transfer or dispute it later.

Chase QuickPay: free transfers to people you know

Chase QuickPay is free and faster than a wire if the person you're sending to is already set up. You can send money to anyone with a Chase account, or to anyone with an email address or phone number who has created a QuickPay profile. The recipient receives the money in their Chase account (or can claim it if they don't have one yet).

To send money via QuickPay, go to Transfers in Chase.com or the app and select "Send Money to People." Enter the recipient's name, email, or phone number. If they're already in your Chase contacts or have a QuickPay profile, Chase will find them. Enter the amount and confirm. The money moves within minutes if the recipient has a Chase account; if they don't, they'll receive a notification and have a window to claim the money (usually 14 days).

QuickPay works only between Chase accounts or through the QuickPay network. If you're sending to someone at a different bank, you'll need to use a wire transfer or ask if that bank offers a similar free transfer service (many do, but they have different names and requirements).

International wires: additional requirements and delays

Sending money outside the US requires more information and takes longer. You'll need the recipient's full name, address, account number, and the SWIFT code (or BIC code) of their bank. Some countries also require an IBAN. Chase's website will tell you which details are required for the specific country.

International wires cost $15 to $30 and take three to five business days. The receiving bank may also charge a fee, which is deducted from the amount the recipient receives. If you're sending a specific amount and the recipient needs to receive that exact amount, ask Chase what fees will explore so you can send extra to cover them.

International wires are also subject to compliance checks—the banking system screens transfers for fraud and sanctions violations. This can add a day or two to delivery time. If the transfer is flagged, Chase may contact you for more information about the recipient or the reason for the transfer.

What happens if you send money to the wrong account

Once a wire transfer leaves Chase, it is in the banking system and cannot be recalled. If you sent it to the wrong account number or routing number, the money will go to that account, not to the person you intended. You cannot reverse it or ask Chase to get it back.

Your only option is to contact the receiving bank when ready and explain the mistake. Provide them with the wire confirmation number, the date, and the amount. Ask them to contact the account holder and request a return of the funds. The receiving bank can do this, but the account holder is not legally required to return the money. If they refuse, you may need to pursue the matter through small claims court or with the help of a lawyer.

This is why it's critical to double-check the account number and routing number before you confirm. If you're sending to someone for the first time, call them and read the numbers back to them to confirm they're correct.

Fees, limits, and account restrictions

Chase charges $15 for domestic wires and $15 to $30 for international wires. Some account types waive these fees—premium accounts like Chase Sapphire or Chase Private Client may include free wires. Check your account terms or call Chase to confirm.

Chase does not publish a single wire transfer limit that applies to all accounts. Limits vary based on your account type, account history, and the amount of money in your account. Your first wire may be limited to a smaller amount. If you try to send more than your limit, Chase will decline the transfer and tell you the maximum you can send. You can request a higher limit by calling 1-800-935-9935, but Chase may require additional verification.

If your account is new, has had fraud activity, or is flagged for other reasons, Chase may restrict wire transfers temporarily or require you to visit a branch in person to send a wire. This is a security measure and usually lifts after a few weeks of normal account activity.

Frequently Asked Questions

Can I cancel a wire transfer after I've sent it?

No. Once Chase submits the wire to the banking system, it cannot be stopped. If you realize you made a mistake when ready after sending, call Chase right away at 1-800-935-9935 and provide the confirmation number. Chase may be able to contact the receiving bank and ask them to hold the funds, but this is not may provide and depends on how quickly the receiving bank processes it.

How long does a wire transfer actually take?

Domestic wires arrive within one business day, often the same day if sent before 2 p.m. ET on a weekday. International wires take three to five business days. Weekends and holidays do not count as business days, so a wire sent on Friday afternoon may not arrive until Tuesday.

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

A wire transfer moves money through the Federal Reserve's wire network and arrives within one business day, but costs $15 to $30. An ACH transfer moves through the automated clearing house and takes three to five business days, but is usually free. Chase may offer ACH transfers for free in the Transfers section—check if that option appears for your recipient's bank.

Do I need the recipient's name to match their account exactly?

Yes. The name you enter must match the name on the receiving account. If it doesn't match exactly, the receiving bank may reject the transfer or hold it for review. If you're unsure, ask the recipient to provide their name exactly as it appears on their account.

What if the receiving bank charges a fee for incoming wires?

The receiving bank's fee is deducted from the amount the recipient receives. Chase does not control this fee. If you want the recipient to receive a specific amount, send extra to cover the receiving bank's fee. Ask the recipient's bank what they charge for incoming wires before you send.