Chase International Money Transfer Guide (2026)
Chase Bank is the largest bank in the United States by assets, serving over 80 million customers. Many of those customers need to send money internationally at some point, whether to pay suppliers, support family abroad, or cover overseas expenses. Chase international money transfer is possible through its wire transfer service, but most customers are surprised to discover how expensive it is once the full cost is clear.
A Chase international money transfer via wire costs $40 if you initiate it yourself online or in the app in US dollars, or $50 if you go through a branch banker. On top of that, Chase applies an exchange rate markup that can reach 4 to 5 percent above the mid-market rate. On a $2,000 transfer, the total cost can easily exceed $120. This guide covers every Chase international money transfer option, what each costs, and how to avoid overpaying.
This guide covers Chase international wire transfer fees by account type, SWIFT codes, transfer limits, step-by-step instructions, and a direct comparison with specialist services that typically cost 80 to 90 percent less for the same transfer.
How to Send Money Internationally with Chase
Chase offers one primary method for sending money internationally: the international wire transfer via the SWIFT network. Unlike some banks that offer multiple corridors or wallets, Chase routes all international payments through a single wire transfer product. You can initiate the transfer online, through the Chase Mobile app, or in person at a branch.
To send a Chase international money transfer, you need the recipient's full name and address, their bank account number or IBAN for European destinations, the receiving bank's SWIFT/BIC code, and the bank's full name and address. For some countries you may also need an intermediary bank's SWIFT code.
Online and App Transfers
Online and app-initiated transfers are the cheapest way to send a Chase international wire. Log in to Chase.com or the Chase Mobile app, go to Pay and Transfer, select Wire Transfer, and follow the steps. You can send in US dollars or in the recipient's local currency. Sending in USD costs $40. Sending in foreign currency costs $5, or $0 for transfers of $5,000 or more.
Branch Wire Transfers
If you visit a Chase branch and have a banker initiate the wire transfer, the fee is $50 regardless of whether you send in USD or foreign currency. Branch wires take the same time to process as online wires and do not offer any advantage other than in-person assistance for customers unfamiliar with the process.
Chase Sapphire Banking
Chase Sapphire Banking customers pay no fees on incoming or outgoing international wire transfers. This is one of the few Chase account types where international wires are completely free. The Sapphire Banking account requires a minimum daily balance of $75,000 to waive the monthly service fee, which makes it relevant only to customers with significant assets at Chase.
Chase International Money Transfer Fees by Account Type
Account type | Outgoing wire (USD, online) | Outgoing wire (foreign currency, online) | Branch wire | Incoming wire |
|---|---|---|---|---|
Chase Total/Secure Checking | $40 | $5 (free if $5,000+) | $50 | $15 |
Chase Premier Plus Checking | $15 | $0 (free if $5,000+) | $0 | $15 |
Chase Sapphire Banking | $0 | $0 | $0 | $0 |
Chase Business accounts | $40 | $5 | $50 | $15 |
Chase applies an exchange rate markup of up to 4 to 5 percent above the mid-market rate on international wire transfers. This is separate from the flat wire fee and is not shown as a line item. On a $3,000 transfer, this markup alone can cost $120 to $150. Always compare the rate Chase offers to the mid-market rate on Google or xe.com before confirming.
Total Cost of a Chase International Wire Transfer
The true cost of a Chase international money transfer combines three elements: the flat wire fee, the exchange rate markup, and any correspondent bank fees charged by intermediate SWIFT banks along the route. Most customers only see the flat fee disclosed at the time of transfer. The other two costs are revealed after the transfer completes, if at all.
On a $1,000 transfer to the UK: Chase flat fee $40, exchange rate markup approximately $40 to $50, correspondent fees potentially $10 to $30. Total cost: $90 to $120. By comparison, Wise charges approximately $6 to $8 for the same transfer using the real mid-market rate with a transparent fee shown before confirmation.
On a $5,000 transfer to India: Chase flat fee $40 (or $5 in foreign currency), exchange rate markup $200 to $250, correspondent fees $10 to $50. Total cost: $250 to $300 at worst. Wise on the same transfer: approximately $30 to $50 total.
Chase SWIFT Code and Routing Number
The Chase SWIFT code for international wire transfers is CHASUS33. This code works for incoming wires to Chase accounts in the United States regardless of which state the account is held in. Some Chase business lines may use a different SWIFT code, so always confirm with the sender what code to use.
The Chase routing number for domestic ACH transfers is 021000021. This is not used for international wire transfers. When receiving an international wire, give the sender your Chase SWIFT code (CHASUS33) and your full account number. Do not give the ACH routing number for international wires.
Chase International Wire Transfer Limit
Chase sets a limit of $25,000 per day for international wire transfers initiated online or through the app. If you need to send more than $25,000, you must visit a branch or call the Chase wire transfer team, where higher limits apply based on your account history and available balance. There is no stated minimum transfer amount, but the flat fee makes small transfers very expensive as a percentage of the amount sent.
How Long Does a Chase International Wire Transfer Take?
Chase international money transfers typically take 1 to 5 business days to reach the recipient's bank account. Transfers to major economies such as the UK, Europe, Canada, and Australia usually arrive within 1 to 2 business days. Transfers to less-served destinations in Asia, Africa, and Latin America may take the full 5 business days or longer if correspondent banks are involved.
Chase gives you a 30-minute window after authorising the wire to cancel it online. After that, the transfer cannot be cancelled without contacting Chase directly and there is no guarantee of a refund if the wire has already entered the SWIFT network.
Better Alternatives to Chase International Money Transfer
Specialist money transfer services consistently undercut Chase on cost for international transfers. All three services below are regulated by FinCEN as licensed money services businesses in the United States and are used by millions of American senders.
Wise
Wise is the most cost-effective alternative to Chase international wire transfers for the majority of corridors. It uses the real mid-market exchange rate with no markup, charging only a small transparent fee of around 0.4 to 1 percent. On a $1,000 transfer to Europe, Wise typically costs $6 to $10 all-in, compared to $90 to $120 via Chase. Wise supports 40+ currencies and delivers most transfers within seconds to 24 hours. You fund the transfer directly from your Chase account via ACH or debit card.
Wise uses the real exchange rate with no markup. Most senders switching from Chase to Wise save 80 to 90 percent on transfer costs.
- Mid-market exchange rate with no hidden markup
- Transparent fee shown before you confirm
- Delivers to 40+ currencies in seconds or hours
- Regulated by FinCEN as a licensed US money services business
Xe
Xe is the strongest option for large Chase international transfers and for sending to less common currencies. It supports over 130 currencies, more than any other major specialist, and offers competitive rates on transfers over $5,000 where the exchange rate difference has the biggest impact. Xe is regulated in the US, UK, Canada, and Australia and has processed over $115 billion in transfers globally.
Xe supports 130+ currencies and is ideal when you are sending large amounts or need access to exotic destinations.
- 130+ currencies including less common markets
- Competitive rates on transfers over $5,000
- Rate alerts to time your transfer optimally
- Regulated globally in US, UK, Canada, and Australia
Remitly
Remitly is the best option for Chase customers sending money to family in developing countries. It covers 100+ receiving countries with guaranteed delivery times and same-day options on major corridors including India, the Philippines, Mexico, Nigeria, and Guatemala. Fees start from $0 on express transfers in certain corridors, and exchange rates beat Chase for remittance destinations consistently. Remitly also supports cash pickup where recipients have no bank account.
Remitly delivers to 100+ countries with guaranteed arrival times and fees that are consistently lower than Chase.
- Same-day delivery on most popular corridors
- Cash pickup available across many countries
- Low fees from $0 on express transfers
- Guaranteed delivery times or your money back
Chase vs Specialist Services: Cost Comparison
Service | $1,000 to UK (approx.) | $5,000 to India (approx.) | Delivery time |
|---|---|---|---|
Chase (Total Checking) | $90 to $120 | $250 to $300 | 1 to 5 business days |
Wise | $6 to $10 | $30 to $50 | Seconds to 1 business day |
Xe | $8 to $15 | $20 to $60 | 1 to 4 business days |
Remitly | $5 to $12 | $15 to $40 | Minutes to 1 business day |
When to Use Chase for International Transfers
There are limited situations where using Chase for an international money transfer is the practical choice. If a payee specifically requires a wire transfer from a regulated US bank, Chase is appropriate. Real estate closings, legal settlements, and some institutional payees require bank wires rather than transfers from non-bank institutions. If you have a Chase Sapphire Banking account, international wires are free and the only cost you pay is the exchange rate markup.
For all other international transfers, including recurring remittances, business payments to suppliers, and any amount under $25,000, a specialist service will almost always deliver significantly better value.
Frequently Asked Questions
How do I send money internationally with Chase?
Log in to Chase.com or the Chase Mobile app, go to Pay and Transfer, then select Wire Transfer. Choose international wire, enter the recipient's details including their full name, bank account number or IBAN, and SWIFT code, then select whether to send in USD or foreign currency. The fee is $40 for USD wires initiated online, or $5 for foreign currency wires (free for transfers of $5,000 or more). Alternatively, visit any Chase branch where a banker can initiate the wire for a $50 flat fee.
What is the Chase international money transfer fee?
The Chase international money transfer fee depends on how you initiate the transfer and which account you use. For standard Chase checking accounts, online or app-initiated wires in USD cost $40. Wires in foreign currency cost $5, or $0 for transfers of $5,000 or more. Branch-initiated wires cost $50 regardless of currency. Chase Premier Plus Checking customers pay $15 for online USD wires. Chase Sapphire Banking customers pay nothing for international wires. On top of these flat fees, Chase applies an exchange rate markup of up to 4 to 5 percent.
How long does a Chase international wire transfer take?
Chase international wire transfers typically arrive within 1 to 5 business days. Transfers to major economies such as the UK, Eurozone, Canada, and Australia usually land within 1 to 2 business days. Transfers to less-served destinations can take up to 5 business days. Unlike specialist services such as Wise or Remitly, Chase does not offer same-day or instant international transfers. You have a 30-minute cancellation window after authorising the wire online.
What is the Chase international wire transfer limit?
The online daily limit for Chase international wire transfers from personal accounts is $25,000. For transfers above this amount, you must visit a Chase branch or call the wire transfer team, where higher limits can be accommodated based on your account standing and available balance. Business accounts may have different limits. There is no published per-transfer minimum, but the flat fee makes small transfers disproportionately expensive.
What is the Chase SWIFT code for international transfers?
Chase's SWIFT code is CHASUS33. This is the code to give anyone sending you an international wire to a Chase account in the United States. It works for all personal and most business accounts. Some Chase commercial banking lines may use a different SWIFT code, so if you are receiving a large business wire, confirm the correct code with your Chase relationship manager. Do not confuse the SWIFT code with the ACH routing number (021000021), which is not used for international wires.
Does Chase Sapphire Banking offer free international wire transfers?
Yes. Chase Sapphire Banking includes free incoming and outgoing international wire transfers with no minimum transfer requirement. There are no flat fees per wire. However, Chase still applies an exchange rate markup on the currency conversion, which is not waived. If you are a Sapphire Banking customer, you pay only the exchange rate cost, which is typically 3 to 5 percent above the mid-market rate. For large or frequent international transfers, a specialist service may still be cheaper in total even without the flat wire fee.
Is Chase good for international money transfers?
Chase is a reliable and secure option for international wire transfers, but it is among the more expensive choices. The flat fee of $40 to $50, combined with an exchange rate markup of 4 to 5 percent and potential correspondent bank fees of $10 to $30, means most senders lose $90 to $200 or more per transfer depending on the amount. Specialist services like Wise, Xe, and Remitly offer equivalent regulatory protections with costs that are typically 80 to 90 percent lower.
Can I cancel a Chase international wire transfer?
Chase gives you a 30-minute window after authorising an online international wire to cancel it without charge. After 30 minutes, the wire enters processing and may have already entered the SWIFT network. At that point, Chase may be unable to recall it, and any recall attempt involves fees and is not guaranteed to succeed. If you need to cancel a wire that has already processed, contact Chase immediately and be prepared to pay a recall fee and wait several business days for a response.
How does Chase international money transfer compare to Wise?
On a $1,000 transfer to Europe, Chase typically costs $90 to $120 all-in (flat fee plus exchange rate markup). Wise typically costs $6 to $10 for the same transfer using the real mid-market rate with a transparent fee. Wise also delivers most transfers within hours rather than 1 to 5 business days. For customers who send money internationally more than once or twice a year, switching to Wise while keeping Chase for domestic banking consistently saves hundreds of dollars.
What information do I need to send a Chase international wire?
To send a Chase international money transfer you need: the recipient's full legal name and address, their bank account number (or IBAN for Europe), the receiving bank's SWIFT or BIC code, the receiving bank's full name and address, and for some countries an intermediary bank's SWIFT code. Chase also requires you to state the purpose of the transfer. You can find the recipient's SWIFT code on their bank's website or by asking their bank directly.
How do I receive an international wire at Chase?
To receive an international wire to your Chase account, give the sender your full name, Chase account number, Chase SWIFT code (CHASUS33), and Chase's address (JPMorgan Chase Bank, N.A., 270 Park Avenue, New York, NY 10017). Chase charges $15 to receive an incoming international wire for standard checking accounts. Chase Sapphire Banking customers receive wires at no charge. The sender's bank or intermediate correspondent banks may also deduct fees before the funds reach your Chase account.
What is the cheapest way to send money internationally from Chase?
The cheapest way to send money internationally if you bank with Chase is to use a specialist service like Wise, Xe, or Remitly rather than Chase's own wire transfer service. These services charge transparent fees of 0.4 to 1 percent with no exchange rate markup, compared to Chase's $40 flat fee plus a 4 to 5 percent FX markup. You can fund the transfer from your Chase account using a linked ACH bank transfer or debit card. For large amounts, Xe is particularly competitive. For remittances to family, Remitly often offers the lowest total cost.
Mohammad Humaid
Verified AuthorMo is the founder of MoneyTransferStore. As an expat who has experienced the challenges of sending money across borders himself, he set out to help others like him avoid hidden fees and unfair exchange rates on international transfers. With a background spanning fintech, payments, and Web3, Mo brings years of practical experience to building a platform focused on transparency and trust.
