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.

ProviderTransfer feeRecipient gets:
Chase5 USD1,316.15 CAD
Wells Fargo0 USD1,320.86 CAD
Bank of America0 USD1,325.49 CAD
Wise10.15 USD1,349.86 CAD
OFX5 USD1,329.89 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.

Go to Wise

Key info on transferring money overseas with Chase

💡 Key pointsChase international wire transfer
💵 Transfer fees5 USD for digital payments under 5,000 USD – no fee for higher value payments
🚀 Transfer speedSpeed depends on destination – some payments can take up to 5 business days
🎯 Transfer limitsMaximum limits can vary by account type and destination country
💱 Exchange ratesChase exchange rate is likely to include a variable markup
🔐 SafetyChase is safe and has industry standard anti-fraud measures in place to protect customer accounts
⬇️ Receiving transfersIncoming 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:

ServiceChase fee
Make an international transfer online5 USD for transfers under 5,000 USD in value

No transfer fee for higher value payments

Make an international transfer in a branch50 USD
Make an international transfer to be paid in USD40 USD
Receive an international transfer15 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.

ProvidersInternational transfer fees
WiseLow, transparent fees and mid-market exchange rates
OFXNo fee for transfer, small markups apply on currency exchange
Xe Money TransferVariable fees depending on the transfer details, with small markups on currency exchange
TorFXNo fee for transfer, small markups apply on currency exchange
RemitlyVariable fees depending on pay in and pay out options, with small markups on currency exchange

Go to Wise
 

⭐️ 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?
WiseSend to 140+ countriesLow, transparent fees and mid-market exchange ratesLimits are usually set around 1 million GBP – about 1.35 million USDYes – 24/7 manual and automatic security protocols apply
OFXSend to 170+ countriesNo fee for transfer, small markups apply on currency exchangeUsually unlimitedYes – get help from a specialist broker by phone any time you need it
Xe Money TransferSend to 130+ countriesVariable fees depending on the transfer details, with small markups on currency exchange500,000 USD per transferYes – part of a huge global company which has industry standard security tools in place
TorFXSend in 40+ currenciesNo fee for transfer, small markups apply on currency exchangeUsually unlimitedYes – well respected provider which has phone support and an excellent credit rating
RemitlySend to 170+ countriesVariable fees depending on pay in and pay out options, with small markups on currency exchange25,000 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

Go to Wise

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

Go to OFX

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

Go to XE

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

Go to TorFX

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

Go to Remitly

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.

ProvidersInternational transfer times
WiseInstant – 2 business days
OFX1-2 business days
Xe Money TransferVariable delivery times
TorFXSame day or next day in most cases
RemitlyVariable delivery times

Go to Wise

How to track your transfer with Chase

You can easily check your transfer status on the Chase Mobile app:

  1. Log into your baking app
  2. Tap Pay & transfer
  3. 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:

  1. Log into your account online or open the Chase banking app
  2. Click on the menu icon
  3. Select Account transfer, and then Schedule transfer
  4. Choose the recipient for a repeat payment – or add a new recipient if it’s the first time
  5. Enter the details of the payment including the amount and currency
  6. Schedule the transfer and add a note to the recipient
  7. Tap Transfer and confirm the details are all correct
  8. 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
  • Recipient bank’s BIC/SWIFT
  • IBAN or account number of the recipient
  • Recipient’s full name
  • Recipient’s address
  • Recipient’s mailing address

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:

ServiceChase fee
Make an international business transfer online5 USD for transfers under 5,000 USD in value

No transfer fee for higher value payments

Make an international business transfer in a branch50 USD
Make an international business transfer to be paid in USD40 USD
Receive an international business wire15 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:

ProvidersInternational business transfers
WiseSend up to 1 million GBP (about 1.3 million USD) digitally, with payments to 140+ countries
OFXUnlimited business transfers with no transfer fees – exchange rate markups apply
Xe Money TransferSpecific business services available for US businesses trading internationally
TorFXUnlimited business transfers with no transfer fees – exchange rate markups apply

Go to Wise

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:

ProvidersLarge international transfers
WiseLimits are usually set around 1 million GBP – about 1.35 million USD
OFXUsually unlimited
Xe Money Transfer500,000 USD per transfer
TorFXUsually unlimited
Remitly25,000 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
  • Visit a local Chase branch
  • Call customer service on 1-800-935-9935
  • Connect through Twitter, Facebook or Instagram

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.

Go to Wise

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.

Claire Millard
Fintech Content Writer
Claire Millard is a content and copywriter with a specialty in international finance. Her work has featured in The Times and The Telegraph, as well as industry magazines and leading personal finance blogs.
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Seyma Mektepli
Editor-in-chief
Seyma is an experienced content writer and editor-in-chief at Exiap, delivering informative articles on personal finance, and money transfers.
Read more
Last updated
July 8th, 2025