Chase international wire fees for US customers
These are standard personal-account fees from Chase's schedule effective 14 June 2026. Certain checking and savings products waive some wire fees.
For wires sent or received in foreign currency, Chase determines the exchange rate and includes a spread. Intermediary and recipient banks may also deduct charges. Compare the expected recipient amount rather than the wire fee alone.
Chase wire timing and receiving details
Chase's general guidance says international wires can take one to five business days. Timing depends on the destination, cut-off times, weekends, intermediary banks, compliance checks and the recipient institution. An incoming wire can take up to 24 hours to appear after it reaches Chase.
For an international wire to a Chase US account, Chase lists SWIFT or BIC CHASUS33 together with the recipient's account number. Chase does not use an IBAN for its US accounts. Confirm the current instructions before sending an important payment.
Most Chase checking accounts can send and receive wires. Chase Secure Banking can receive but not send wires, while Chase First Banking does not support wires.
Cards and overseas spending
Chase's standard personal fee schedule lists a 3% Foreign Exchange Rate Adjustment for debit-card purchases and withdrawals in a non-US currency, plus a $5 Chase fee for withdrawals at non-Chase ATMs outside the US and US territories. Premium accounts may waive these charges, and credit-card terms vary by product.
Personal international wires have a 30-minute cancellation window after authorisation when the cancellation option is available. Verify recipient instructions carefully because recovery after that window is unlikely.
What is the
Chase Bank Send Money conversion rate for USD to PLN?
The Chase Bank USD to PLN exchange rate is 3.3353. This is -12% compared to the latest USD-PLN mid-market rate 3.7915.
As exchange rates can vary
significantly between banks and also between currency exchange providers,
it's therefore important to carefully compare
US dollar (USD) to Polish zloty (PLN) rates from different sources before making a conversion.
The above
Chase Bank - Dollar to Zloty comparison table
makes it easy to compare the Total Fees (both variable and fixed) you are being charged by
Chase Bank and other foreign exchange providers against the latest USD-PLN mid-rate and the possible savings of using various providers.
How do Chase Bank USD-PLN rates compare between providers?
Looking at the full
USD to PLN - Send Money comparison table the provider with the best USD to PLN exchange rate is OFX at 3.7726, -0.5% from the latest mid-market rate 3.7915.
The next best is XE at 3.7688, -0.6% from the mid-rate.
Then Wise at 3.7512, which is -1.1% from the mid-rate.
The Western Union rate is 3.7346 which is -1.5% from the mid-rate.
Among the banks the Chase Bank rate is 3.3353 at -12% the Wells Fargo Bank rate is 3.3125 at -12.6% and the Citibank rate is 3.4869 at -8% compared to the mid-rate 3.7915.
It's important to note that exchange rates also fluctuate frequently due to market conditions. Additionally,
banks like Chase Bank often apply a margin to the exchange rate, resulting in a less favorable rate for customers compared to the mid-market rate.
For more competitive rates, you might consider using a specialized currency exchange service
or platforms that offer rates closer to the mid-market rate.
