Chase International Wire Transfer: Fees, Rates and Transfer Time [2025]
Chase bank was first founded over 200 years ago, and now serves almost half of all US households. You can access checking and saving accounts, credit cards, loans and more. You can also make international payments from your Chase checking or business account. However, using Chase to send your payment may not be your cheapest option.
This guide walks through all you need to know about Chase international transfers, and also introduces some alternatives to consider which may be more convenient and keep down your costs overall such as Wise or OFX. Let’s get started.
A cost example – sending $1,000 from the US to Canada
Before we do anything else, let’s see how much it would cost to send a hypothetical transfer of $1,000 in USD to Canada. In this case the payment is arranged online – it’s worth remembering that banks tend to charge significantly more when payments are set up in a branch.
To give a flavor of the way banks charge, we’ve included Chase, Wells Fargo and Bank of America alongside Wise and OFX as alternative providers.
Let’s take a closer look at how much it might cost you to send $1,000 to Canada.
| Provider | Transfer fee | Recipient gets: |
|---|---|---|
| Chase | 5 USD | 1,316.15 CAD |
| Wells Fargo | 0 USD | 1,320.86 CAD |
| Bank of America | 0 USD | 1,325.49 CAD |
| Wise | 10.15 USD | 1,349.86 CAD |
| OFX | 5 USD | 1,329.89 CAD |
*Fees and rates correct at time of research -13th June 2025
As you can see in this example, the recipient gets most in the end with Wise. That’s despite the fact that Wise fees look to be the highest. The key here is the exchange rate.
Wise uses the mid-market exchange rate and a transparent transfer fee, while Chase and the other banks and providers we’ve looked at add a variable mark-up to the exchange rate they offer. This mounts up, and can mean you’re paying more than you think for your transfer in the end.
Key info on transferring money overseas with Chase
| 💡 Key points | Chase international wire transfer |
|---|---|
| 💵 Transfer fees | 5 USD for digital payments under 5,000 USD – no fee for higher value payments |
| 🚀 Transfer speed | Speed depends on destination – some payments can take up to 5 business days |
| 🎯 Transfer limits | Maximum limits can vary by account type and destination country |
| 💱 Exchange rates | Chase exchange rate is likely to include a variable markup |
| 🔐 Safety | Chase is safe and has industry standard anti-fraud measures in place to protect customer accounts |
| ⬇️ Receiving transfers | Incoming wires have a 15 USD fee |
**Fees and rates correct at time of research -13th June 2025
Does Chase bank accept international wire transfers?
Yes. You can send an international wire transfer with Chase in most cases.
The important exceptions to know about are if you have either a Chase Secure Checking or a Chase First Checking account. In this case, you can not send a wire abroad with Chase.
Chase international wire transfer fees
Let’s dive into the potential fees you’ll come across when sending a Chase international transfer.
Some Chase account types may have waivers on some wire costs, but this can vary a lot depending on the specific account so you will need to double check the terms and conditions on your own account before you get started.
Here are the standard Chase wire fees, as a reference:
| Service | Chase fee |
|---|---|
| Make an international transfer online | 5 USD for transfers under 5,000 USD in value No transfer fee for higher value payments |
| Make an international transfer in a branch | 50 USD |
| Make an international transfer to be paid in USD | 40 USD |
| Receive an international transfer | 15 USD |
**Fees and rates correct at time of research -13th June 2025
Chase exchange rates
Chase sets its own exchange rates which include a spread – also known as a markup or margin. This is a fee, which can mount up very quickly on higher value payments.
Chase isn’t unusual in adding fees to its exchange rates. When you send a payment from USD to be deposited in an account held in a different currency, either your bank, or the recipient’s bank will choose the exchange rate that’s used. The rate won’t usually be the mid-market rate – the one you see on Google for example.
The mid-market rate is used as a benchmark because it’s the rate the bank will get when buying currency themselves. However, banks often add a markup which pushes up your costs even if you didn’t realise it.
Need a cheaper alternative? 💰
Sending your international wire with Chase might seem like the obvious option but it might not be the cheapest. Alternative providers can often offer lower overall costs, by using small fees and better exchange rates compared to banks.
Here are some to consider – we’ll look at these services more closely later.
| Providers | International transfer fees |
|---|---|
| Wise | Low, transparent fees and mid-market exchange rates |
| OFX | No fee for transfer, small markups apply on currency exchange |
| Xe Money Transfer | Variable fees depending on the transfer details, with small markups on currency exchange |
| TorFX | No fee for transfer, small markups apply on currency exchange |
| Remitly | Variable fees depending on pay in and pay out options, with small markups on currency exchange |
⭐️ More about the alternatives to Chase for international wires
Let’s dig into the details about the alternatives to Chase you may choose to consider:
| 🌎 Coverage | 💰 Fees and exchange rates | 🎯 Limits | 🔐 Are they safe? | |
|---|---|---|---|---|
| Wise | Send to 140+ countries | Low, transparent fees and mid-market exchange rates | Limits are usually set around 1 million GBP – about 1.35 million USD | Yes – 24/7 manual and automatic security protocols apply |
| OFX | Send to 170+ countries | No fee for transfer, small markups apply on currency exchange | Usually unlimited | Yes – get help from a specialist broker by phone any time you need it |
| Xe Money Transfer | Send to 130+ countries | Variable fees depending on the transfer details, with small markups on currency exchange | 500,000 USD per transfer | Yes – part of a huge global company which has industry standard security tools in place |
| TorFX | Send in 40+ currencies | No fee for transfer, small markups apply on currency exchange | Usually unlimited | Yes – well respected provider which has phone support and an excellent credit rating |
| Remitly | Send to 170+ countries | Variable fees depending on pay in and pay out options, with small markups on currency exchange | 25,000 USD (30,000 USD when sending to India) | Yes – popular provider with good customer support and anti-fraud tools |
**Fees and rates correct at time of research -13th June 2025
Wise
| 💡 Great for: International payments to 140+ countries with the mid-market rate and low, transparent fees |
Wise has international account and payment services for personal and business customers in the US. If you need an easy way to transfer money to a bank abroad, Wise can help. Set up your transfer online or in app, and pay from your US bank or with a US issued card. Your money is then deposited quickly in your recipient’s account, in fact 60%+ of transfers are instant, 80%+ arrive within an hour. All currency exchange uses the mid-market rate and low fees which you can see before you transact.
*The speed of transaction claims depends on individual circumstances and may not be available for all transactions
| Wise is good for: | Wise may not be for you if: |
|---|---|
| ✅ Low cost payments to 140+ countries ✅ Mid-market exchange rates ✅ Account services to hold, send, spend and receive foreign currencies ✅ Debit cards available to spend when you travel | ❌ You need to pay in cash or have the funds received in cash ❌ You want to transact in person or by phone |
OFX
| 💡 Great for: International transfers and currency risk management solutions, with 24/7 phone support available |
OFX is a currency specialist which offers easy ways to set up online and in-app payments, but also has a phone service which allows you to talk your payment through with a broker any time of the day or night. There are usually no limits on the amount you can send and there’s no transfer fee to pay either – exchange rates have a small markup added instead.
| OFX is good for: | OFX may not be for you if: |
|---|---|
| ✅ Payments to 170+ countries ✅ 24/7 phone support ✅ No limit on the amount you can send ✅ More complex products like currency risk management tools | ❌ You want the mid-market exchange rate ❌ You want to generate a quote before committing to an account |
XE Money Transfer
| 💡 Great for: International payments online and in app in an excellent range of currencies, with variable fees and rates |
XE Money Transfer is part of a huge global group of money transfer services, and supports payments from the US to 130+ countries in a good range of currencies. You can register an account online or in an app, to arrange your payments digitally in just a few taps. The fees vary depending on the details of your transfer, including how you pay and the currency – you can see the costs when you sign up to an account.
| XE Money Transfer is good for: | XE Money Transfer may not be for you if: |
|---|---|
| ✅ Excellent range of supported countries and curenies ✅ Intuitive app for payments ✅ Recurring payments offered ✅ Business services available | ❌ You want to manage your money in a branch ❌ You want to convert with the mid-market rate |
TorFX
| 💡 Great for: Excellent customer service and no transfer fee, for payments in 40+ currencies |
TorFX is a UK based company which offers comprehensive payment services to personal and business customers in the US. You can send in 40+ currencies online, by phone and in an app, and there are no transfer fees to pay. Instead a small markup is added to the exchange rate – transfers can arrive in just a day or so.
| TorFX is good for: | TorFX may not be for you if: |
|---|---|
| ✅ Phone support, with excellent customer ratings ✅ Send in 40+ currencies ✅ Personal and business solutions available ✅ Best possible credit rating | ❌ You want to send for cash collection ❌ You want the mid-market rate for your currency exchange |
Remitly
| 💡 Great for: Personal transfers to friends and family in 170+ countries, with a great range of pay out options |
Remitly covers a strong range of popular remittance routes with lots of ways for your money to be received in the end. Sending options including cash pickup, bank deposit, mobile money, home delivery, and deposit to a debit card. Fees do vary depending on the details of the transfer you want to make but you can get a quote ahead of time to see what to expect.
| Remitly is good for: | Remitly may not be for you if: |
|---|---|
| ✅ Payments to friends and family in 170+ countries ✅ Cash collection and delivery services ✅ Ease of use with online and in app services ✅ Intuitive app | ❌ You’re sending a very high value transfer ❌ You’d prefer the mid-market rate |
Large amount transfers with Chase
Chase does not disclose the transfer limits it uses online. You can find the transfer limits for digital transfers from your account when you log into your online banking. Limits apply on a per day basis.
If you need to send a very high amount with Chase you might find it exceeds your daily digital transfer limit, and you need to visit a branch to set up your transfer. In this case higher fees apply – usually 50 USD per payment.
How to send a high amount transfer with Chase
If you need to send a high amount transfer with Chase it’s worth checking your limits in the digital banking app in advance, so you’ll know if it’s possible to make your payment without attending a branch. Digital payments are cheaper than in branch services, but also tend to have lower limits.
If your payment exceeds your digital transfer limit you’ll need to set it up in your local branch, which also means paying a higher fee.
Need a faster alternative? 🚀
Chase international transfers can have variable transfer times depending on the destination and the value of the payment. You may find that an alternative provider which avoids the SWIFT network can move your money faster. Here’s an overview of the common delivery times for the providers we’ve looked at in this guide.
| Providers | International transfer times |
|---|---|
| Wise | Instant – 2 business days |
| OFX | 1-2 business days |
| Xe Money Transfer | Variable delivery times |
| TorFX | Same day or next day in most cases |
| Remitly | Variable delivery times |
How to track your transfer with Chase
You can easily check your transfer status on the Chase Mobile app:
- Log into your baking app
- Tap Pay & transfer
- Tap see activity, then “Wires & global transfers
Chase additional fees
Chase notes that extra fees may apply when you send an international wire. These extra costs could be levied by other banks involved in the payment. Often these extra charges creep in when payments are processed using the SWIFT network.
Under SWIFT, banks work in partnership to pass payments along until they reach the right recipient account. Up to 3 banks can be involved in any transfer, and each can deduct a service charge as they move the payment. Technically, these are not Chase bank fees – but they may apply to your transfer if it’s processed through SWIFT nonetheless.
How to make an international transfer with Chase
💡 Typically, when you send a payment through your bank, you’ll have 3 main options:
- Arrange your payment online or in an app
- Arrange your transfer in person at a local branch
- Arrange your payment by phone
Sending money through your bank’s online or mobile banking service is almost always cheaper than having a member of customer service staff help you, either in person or by phone.
🚀 Here’s how to set up digital transfers either locally or internationally with Chase:
- Log into your account online or open the Chase banking app
- Click on the menu icon
- Select Account transfer, and then Schedule transfer
- Choose the recipient for a repeat payment – or add a new recipient if it’s the first time
- Enter the details of the payment including the amount and currency
- Schedule the transfer and add a note to the recipient
- Tap Transfer and confirm the details are all correct
- Your money’s on its way
How long does an international money transfer with Chase take?
To get your payment moving as quickly as possible you need to submit your request before the Chase cut off time. Chase cut off time is 4pm ET for personal customers, and 5pm ET for business customers. Payments will be processed on business days only – if you submit your transfer during a holiday, at a weekend or out of hours it’ll start to be processed on the next working day.
If you’re funding your transfer from a personal account you’ll be notified of the estimated arrival time when you set up the payment. Usually it’s between 1 – 5 working days.
Other international wires are received 3 – 5 business days after you send them.
Can the transfers be sped up?
Chase doesn’t offer an express wire payment service. However, to get your payment processed as quickly as possible, it’s important to submit your transfer request before the bank cut off time. It’ll then start to be processed on the same business day it’s received.
Pros and cons of transferring money abroad with Chase
| Chase is good for: | Chase may not be for you if: |
|---|---|
| ✅ Send to 90+ countries ✅ No transfer fee on digital payments over 5,000 USD ✅ Set up payments using the Chase online banking system or app ✅ Branch service is available for customers who prefer it | ❌ You want the mid-market rate – Chase exchange rates may include a markup on the mid-market rate ❌ You prefer branch services – Costs of setting up a payment in branch are higher than online |
What information do you need to make an international transfer with Chase?
Before you set up your payment with Chase you’ll need to gather some information to make sure your money arrives safely. The exact details you need may vary depending on where you’re sending to, the payment value, and your account type – but usually you can expect to need:
| Required information |
|---|
|
It’s worth remembering that Chase may also need to ask for identification documents or other paperwork to process international payments. That’s to make sure customers are kept safe, and to comply with international payment regulations.
Chase international business transfers
Chase offers a range of business and corporate banking solutions which are designed to fit different company types. The exact accounts available may vary based on your location.
Popular Chase business checking accounts include:
- Chase Business Complete Banking
- Chase Performance Business Checking
- Chase Platinum Business Checking
All business accounts offer ways to send and receive international transfers – but the terms and fees do vary between accounts.
Chase business transfer fees
The exact costs of sending a Chase business transfer can vary based on the type of account you have, and the value of payments you make. Some accounts also come with free transfers – although there may be a limit to the number of free payments you can make or receive.
Here are the standard costs of sending international wires from a Chase Business account:
| Service | Chase fee |
|---|---|
| Make an international business transfer online | 5 USD for transfers under 5,000 USD in value No transfer fee for higher value payments |
| Make an international business transfer in a branch | 50 USD |
| Make an international business transfer to be paid in USD | 40 USD |
| Receive an international business wire | 15 USD |
*Details correct at time of research – 13th June 2025
Alternatives to Chase international business transfers
Compare your options for Chase international business transfers against the providers we’ve looked at in this guide – here are those which offer business services in the US as a reminder:
| Providers | International business transfers |
|---|---|
| Wise | Send up to 1 million GBP (about 1.3 million USD) digitally, with payments to 140+ countries |
| OFX | Unlimited business transfers with no transfer fees – exchange rate markups apply |
| Xe Money Transfer | Specific business services available for US businesses trading internationally |
| TorFX | Unlimited business transfers with no transfer fees – exchange rate markups apply |
Chase international transfer limits
Transfer limits may vary based on your account type and the country you’re sending money to.
You’ll be able to see the limits which apply when you schedule the payment through the online or mobile banking system.
Need to send a larger transfer?
Here are the limits of the providers we looked at earlier:
| Providers | Large international transfers |
|---|---|
| Wise | Limits are usually set around 1 million GBP – about 1.35 million USD |
| OFX | Usually unlimited |
| Xe Money Transfer | 500,000 USD per transfer |
| TorFX | Usually unlimited |
| Remitly | 25,000 USD (30,000 USD when sending to India) |
📚 More information: Chase large amount money transfers
Countries to send money with Chase
You can send payments to 90+ countries as a Chase personal account holder – or 140+ if you have a business account.
How to receive an international transfer with Chase
When someone sends money from abroad to your Chase account, you’ll need to provide them with the following information which they can include in the transfer instructions they give their bank:
- Your account number
- Your name as it appears on your account
- Your bank name and address
- SWIFT code
Chase SWIFT code
If you’re expecting a payment into your Chase account, you’ll need to make sure the sender has the Chase SWIFT code. This code is unique to your bank, and helps to guide your payment to your account without unnecessary delays.
| Chase SWIFT code |
|---|
| CHASUS33 |
Chase bank address
In some cases, the person sending you money will require the address of your bank to process the payment. This isn’t always needed – but if it is you’ll need to reach out to your local branch to check which details to include. The address used isn’t always your local branch, so checking in advance can help to make sure your payment arrives safely.
Chase international transfer receiving fees
The Chase international transfer receiving fees which apply are usually 15 USD, but in some cases this fee can be waived:
- $15 per transfer
OR
- $0 if the transfer was originally sent from another Chase account
Chase incoming transfer limits
There are not usually any Chase incoming transfer limits on payments – if you’re concerned about a payment you are planning to receive do check the details for your own account before the payment arrives.
📚 More information: How to receive international payments with Chase
Chase contact information
Here’s how to get in touch with Chase if you have questions:
| Chase contact information |
|---|
|
If you are not yet a resident of US, this guide might help you: Chase non-resident bank accounts
Conclusion: Is Chase good for international wire transfers?
Whether or not Chase is the best option for your international payment will depend on your personal preferences, and the type of transfer you want to make.
Sending money with your bank is a familiar option which can be reassuring – but it’s often not the fastest or cheapest. Not only are there fees and exchange rate markups to consider, international payments with a bank can also include third party fees linked to the SWIFT network.
Use this guide to help you decide if Chase is the right provider for you – and check out a few alternatives such as Wise, OFX, and TorFX too, so you’ll know you’re getting the best available fit for your needs.
FAQs
How do I transfer money from Chase into someone else’s account?
You can send a payment with Chase online, in the Chase mobile app or by visiting a branch.
How much does an international transfer cost with Chase?
Chase international payments cost 5 USD if they’re under 5,000 USD in value. There’s no transfer fee for higher value payments – but exchange rate markups and third party fees may still apply.
How long does an international transfer take with Chase?
You’ll see how long your international payment will take when you set it up online or in the Chase app. Payments can take 3 – 5 working days depending on the destination country and the recipient bank’s processes.
Can I transfer money to a card with Chase?
Chase only offers the option to set up international wires to bank accounts.
Why did Chase return my international wire?
Chase might return an international wire if the wrong name or account number, or incomplete information was provided for the recipient bank. It may also refuse a payment if information in the “Message to recipient bank” field conflicts with bank records. This is for security, but may mean you pay Chase fees and still have your payment returned to you.
