To fill out a Chase wire transfer request form, sign in at chase.com or the Chase Mobile app, open Pay & Transfer, choose Wires and global transfers, and enter the recipient’s legal name, bank name and address, account number, and either a nine-digit routing number (domestic) or a SWIFT/BIC code and often an IBAN (international), along with the amount and currency. You can also complete the same form in person at a branch with a banker. Every field has to match the recipient’s actual bank records, because a wrong digit or a name mismatch is one of the most common reasons a wire gets returned, and recovering money from a completed wire is difficult.
Information to Have in Front of You
Pull the recipient’s details from their bank documents, not from a text message or memory. The form asks for:
- The recipient’s full legal name, spelled exactly as it appears on their account. A mismatch between the name you type and the name on file at the receiving bank is a leading cause of returned wires.
- The recipient’s bank account number.
- The recipient’s bank name and physical address.
- For a domestic wire, a nine-digit routing number that identifies the receiving bank. This is the bank’s wire routing number, which can differ from the routing number printed on checks.
- For an international wire, the receiving bank’s SWIFT or BIC code (eight or eleven characters).
- For most European and Middle Eastern destinations, and many others, an IBAN. Not every country uses IBANs, so confirm with the recipient.
- The amount, and for international wires, the currency.
Filling Out the Form Online
Before your first wire, you need to enroll. It’s a one-time step:
- Sign in to chase.com or the Chase Mobile app.
- Tap or click Pay & transfer, then Wires and global transfers.
- Read and accept the terms and conditions.
- Choose the checking account you want to send from.
Your daily wire limit appears on screen once you’re enrolled. Chase doesn’t publish a universal daily limit; it depends on your account type and relationship with the bank.
To complete the request, select the source account, add or pick a recipient, and work through the fields: recipient name, bank routing number or SWIFT code, account number, and amount. For international wires, choose the currency and add any country-specific information the form prompts for. Chase requires multi-factor authentication before the transfer goes through, usually a one-time code sent to your phone. A summary screen appears before you confirm, and that screen is where you catch mistakes.
Filling Out the Form at a Branch
If you’d rather do this in person, schedule a meeting at a Chase branch and bring photo ID and your mobile phone. Chase accepts a U.S. driver’s license, passport, state-issued photo ID, military or veteran’s ID, or permanent resident card. Non-U.S. citizens without a green card can use a passport, a Matrícula Consular card, or a U.S. Employment Authorization Card, and at least one form of ID must show a U.S. address.
The banker walks you through the same fields you’d fill in online, processes the transfer, and prints a receipt after you sign the authorization form. In-branch wires cost $10 to $15 more than online wires.
Country-Specific Fields for International Wires
International destinations often ask for information beyond a SWIFT code and IBAN. Chase publishes a country-specific formatting guide that lists the extra fields for each destination, and if you leave a required field blank the wire will likely be rejected. A few examples of what that can include:
- Brazil: a branch number, the recipient’s email and phone number, and a tax ID.
- India: an eleven-character IFSC branch code and a payment purpose code.
- Other countries may ask for tax identification numbers, branch codes, or a payment purpose description.
Check Chase’s country guide against the destination before you start the form, so you know what to ask the recipient for.
Fees You’ll See on the Form
The fee appears on the summary screen before you confirm. For personal accounts:
- Domestic wire online: $25.
- Domestic wire with a banker: $35.
- International wire in U.S. dollars, online: $40.
- International wire in a foreign currency, online: $5, or $0 if the amount is $5,000 or more.
- International wire in USD or foreign currency with a banker: $50.
- Incoming wire: $15, or $0 if the sender used a Chase banker or chase.com.
Two things to know about international wires in foreign currency. Chase sets its own exchange rate and builds in a spread, so the rate will be less favorable than what you see on currency conversion sites. And when the sending and receiving banks don’t have a direct relationship, the wire passes through intermediary banks on the SWIFT network, each of which can deduct a handling fee from the transfer amount. Those deductions are unpredictable and can range from $15 to $50 per intermediary, so the recipient may receive less than you sent.
Reviewing Before You Confirm
The summary screen is your last chance to catch an error. Chase points to a handful of field-level mistakes that cause wires to bounce back:
- An account number that doesn’t exist at the recipient’s bank.
- A recipient name that doesn’t match the receiving bank’s records.
- Missing country-specific information on an international wire, such as a payment purpose, tax ID, or branch code.
- Information in the “Message to recipient bank” field that conflicts with other details on the wire, like the name or account number.
Compare each field on screen against the recipient’s actual bank documents. A returned wire costs time and may cost you the fee with no refund.
If You Catch a Mistake After Submitting
Wire transfers are built to be final. Contact Chase the moment you spot an error. If the wire hasn’t left yet, Chase may be able to cancel it, but the window between submission and processing can be very short, especially for domestic wires sent well before the 6:00 PM Eastern cutoff. Once a wire clears, the money belongs to the recipient. Chase can attempt a recall, but the receiving bank isn’t obligated to honor it, and if the funds already landed in the recipient’s account, the receiving bank typically needs the recipient’s permission to send them back. If the wire bounces at the receiving bank because of an invalid account number, funds usually return automatically, though it can take several business days.
Large Transfers and Reporting
Filling out the form doesn’t handle everything a large transfer triggers. Federal law requires banks to file a Currency Transaction Report for cash transactions over $10,000 in a single day, and deliberately splitting a transaction into smaller pieces to stay under that threshold is structuring, a federal crime punishable by up to five years in prison and a $250,000 fine. Penalties double if structuring involves more than $100,000 within twelve months or occurs alongside another federal violation.
On the receiving side, if you receive more than $100,000 in aggregate gifts or bequests from a nonresident alien or foreign estate during a tax year, you must report it on IRS Form 3520. Gifts from foreign corporations or partnerships have a lower threshold: $19,570 as of 2024, adjusted annually for inflation. The gifts themselves may not be taxable, but missing the filing can carry significant penalties.