Chase Wire Routing Number — Domestic and International Wire Guide (2026)

Chase wire routing number basics for incoming wires

Chase customers usually search for a wire routing number when someone needs to send money into a Chase account or when they are filling out a domestic wire form. The most important practical fact is that Chase lists 021000021 as the routing number for receiving domestic wire transfers, while international incoming wires use Chase’s SWIFT or BIC code CHASUS33. This is different from many ACH, direct deposit, and check routing numbers, which can vary by state or by where the account was originally opened. A wire is not the same as an ACH transfer: a wire is typically faster, often more expensive, and harder to reverse once sent. The common mistake is copying a routing number from an old check, a blog post, or a state lookup when the sender specifically needs wire instructions. Use Chase’s official app, website, or wire FAQs before sending money, and verify the recipient name and account number carefully.

How to use the Chase wire routing number correctly

For an incoming domestic wire to a Chase account, give the sender three items: the recipient name as it appears on the Chase account, the Chase account number, and Chase’s domestic wire routing number, 021000021. For an incoming international wire, the sender usually needs the recipient name, Chase account number, bank name, bank address if requested by the sending bank, and Chase’s SWIFT/BIC code CHASUS33. Do not assume the routing number printed on your checks is correct for wires. That number may be correct for ACH, bill pay, or direct deposit, but the official Chase wire FAQ points users to 021000021 for domestic wires. If you are sending a wire out of Chase rather than receiving one, verify all instructions inside your logged-in Chase session and beware of last-minute changes by email. Wire fraud often involves a scammer pretending to be a seller, title company, employer, family member, or bank support agent and asking you to update the routing or account number. The practical decisions are simple: confirm whether the transfer is domestic or international, use wire-specific instructions, and verify the destination through a trusted channel before authorizing the transfer.

Key Chase wire numbers and checks to know

Chase’s official wire FAQ lists 021000021 for receiving domestic wire transfers and CHASUS33 as the BIC/SWIFT code for receiving international wire transfers. Chase also notes that incoming wires can take 24 hours to reflect after they reach Chase, and its wire FAQ lists 1-800-935-9935 for follow-up if an incoming wire is missing. Treat these as wire-specific details, not a substitute for checking your account’s ACH routing number. For payroll, direct deposit, or ACH payments, use the routing number shown in your Chase app, online banking, or checks because those numbers can differ from the wire routing number.

Common Financial Mistakes Chase customers and US expats sending/receiving wires Make in US — and How to Avoid Them

Mistake one is using a state ACH routing number for a wire; avoid it by using Chase’s wire instructions, not a random routing list. Mistake two is giving only the routing number and forgetting the account number or exact account name; a wire needs accurate beneficiary details. Mistake three is confusing domestic and international wires; international senders usually need SWIFT/BIC CHASUS33, not just the domestic routing number. Mistake four is trusting changed wiring instructions sent by email; call the known recipient number or use a secure portal before sending. Mistake five is assuming a wire can be easily recalled. Once authorized and released, recovery can be difficult, so verify before submitting rather than after.

Your US Financial Action Plan — What to Do and When

Use this checklist before sharing or entering Chase wire details. The purpose is to prevent failed transfers, delays, and wire fraud caused by wrong routing numbers or unverified instructions.

1. Before sharing details: identify the transfer type: Confirm whether the sender is making a domestic US wire, international wire, ACH transfer, payroll direct deposit, or bill payment; each can use different instructions.
2. Same day: pull details from Chase: Use Chase’s official website, Chase app, or online banking to verify wire-specific routing instructions before giving them to the sender.
3. Before submission: verify beneficiary details: Check recipient name, account number, bank name, routing number or SWIFT code, and any address field exactly as the sending bank requires.
4. Before approving: confirm by trusted channel: If someone sends new wiring instructions by email or text, call a known number or use a secure portal before authorizing the transfer.
5. After sending: monitor and document: Save the confirmation, tracking reference, sender details, and expected arrival date; contact Chase or the sending bank promptly if the wire is missing.

Official Resources and Where to Get Help in US

Use Chase’s wire transfer FAQ for incoming wire instructions and Chase’s routing number page for locating account-specific routing information. For suspected wire fraud, contact Chase immediately through the number on the back of your card or official support, then consider reporting to the FTC and your local law enforcement. For unresolved consumer banking complaints, the CFPB complaint portal is the official federal pathway. Related MoneyWiki guides: US bank routing numbers, international wire transfer fees, and how to avoid wire transfer scams.