Chase UK Large Transfers 2026 Guide: the How-to, Limits & Fees

Chase UK is a digital only bank which offers low cost accounts which can be handy for day to day use or savings. However, Chase has limitations on the payment options available to account holders.

This guide looks at the Chase UK bank transfer limit as well as your options for increasing this if you need to send a high value payment.

And because Chase doesn’t let you send payments abroad, we’ll also touch on some alternatives which can help you with fast, secure and low cost cross border payments, like Wise or OFX.

Providers like Wise and OFX can help with low cost, high value transfers to and from many countries and regions globally. More on that later.

Can you send high value international transfers with Chase? 🌍

No. You can not send international transfers with Chase.

Chase UK only offers payments made through the Faster Payment network which is a UK based service to transfer GBP from one UK account to another UK account.

Chase high amount transfer fees 💰

There’s no fee to send a high value payment with Chase UK, using the UK Faster Payment network.

If you’re looking for ways to send money abroad you’ll need to find a specialist alternative provider, and compare costs and exchange rates on offer. This guide highlights some services which may suit your needs.

Chase exchange rate for international transfers

As we’ve seen, Chase does not support incoming or outgoing international payments. Transfers are in GBP only.

Exchange rates are crucial when sending or receiving foreign currency payments, as getting a bad rate can mean your payment is far more expensive than it should be. The providers we explore later offer fair and competitive rates for overseas transfers, to help you find a cost effective alternative to Chase UK.

Is Chase safe for large amount transfers? 🔐

Chase UK is a digital first bank in the UK, which is a subsidiary of the much larger Chase organisation in the US. As a digital first provider, Chase has high levels of security built into its app and desktop services, and is considered to be a safe provider to use - even for high value transfers.

Chase transfer limits

Chase has some limits which apply on UK based Faster Payments - but there are ways to raise or waive these limits when you need to do so:

*Details correct at time of research - 4th March 2026

Alternatives to Chase with higher transfer limits

Chase can’t help you if you want to send or receive a payment internationally. Here we’ll look at three alternative services which can be good ways to move your money in foreign currencies with low fees and great exchange rates:

*Some other limits may apply depending on the details of the transfer. **Details correct at time of research - 4th March 2026

Wise

Wise is a specialist in international transfers and multi-currency accounts for personal and business customers. Wise offers low cost currency conversion and cross border payments to 140+ countries.

Wise transfer limits are high. Depending on how you pay for your transfer you may be able to send as much as 20 million GBP from the UK.

There are automatic fee discounts on high value payments over 20,000 GBP, either in one transfer or in multiple transfers within a month. Wise also has a dedicated support team for high value payments.

• Send payments to 140+ countries, in a broad range of international currencies

• Currency conversion uses the mid-market exchange rate with low, transparent fees for payments

• Discounted fees on higher value transfers, or if you make multiple transfers in a month which aggregate over 20,000 GBP in value

*Details correct at time of research - 4th March 2026

OFX

OFX is well known for great customer service, and offers a 24/7 phone service to customers around the world.

OFX personal and business customers can make international transfers in 50+ currencies, and access currency risk management products too.

Payments are usually unlimited, with no transfer fee - an exchange rate markup will apply.

• Send to a huge range of countries, in 50+ currencies

• 24/7 personal phone service

• One off and recurring international transfers available

*Details correct at time of research - 4th March 2026

Xe Money Transfer 

Xe Money Transfer lets you send a payment online or in app to 190+ countries from the UK, for personal or business use.

Xe has a fixed limit of 375,000 GBP or the currency equivalent per personal payment. This limit does not apply on business transfers.

• Send up to 375,000 GBP in a single online payment

• Payments available to 190+ countries

• Pay by bank transfer or with a card

*Details correct at time of research - 4th March 2026

How long do large transfers take with Chase?

Chase UK transfers are processed through the Faster Payments system and usually only take a few minutes to arrive but can take as much as two hours.

It’s helpful to know that in some cases, Chase may need to hold your payment to allow for security checks. This can happen when sending larger transfers as Chase may need to ask for some additional documents to verify your transfer and comply with UK and international law.

If a payment you make is held by Chase you’ll receive a message asking you to contact Chase support to discuss what’s required. In addition there will be a banner  displayed in the Chase app asking you to get in touch, and the specific payment will be flagged with a warning icon under 'All activity' in the app.

If you see a payment with Chase is pending you need to get in touch with the support team who can explain what’s required to continue processing your transfer.

How to send a large amount transfer with Chase

Chase UK sets the digital payment limit to 25,000 GBP automatically, but you can change this to any amount up to 1 million GBP yourself.

Here’s how to send a payment with Chase UK, which is below the limit set in your digital banking app:

1. Tap 'Payments' then  'Send money' Select

2. ‘Someone new’

3. Enter the bank details for the person you want to pay

4. Follow the prompts to set the payment amount and date

5. Check and confirm

If you need to send more than 1 million GBP you can not adjust the digital payment limit to meet your needs. However, you can still make your payment by calling Chase UK and getting phone support. Your limit won’t be extended but the team can help you process the required transfer as a one off.

Information needed to send large amounts of money with Chase

Chase payments can only be sent in the UK, and as such the information required is specific to domestic GBP payments:

Is it possible to increase Chase transfer limits?

Yes. You can increase your digital payment limit up to 1 million GBP if you need to. You can also send higher value transfers by phone.

How to increase Chase transfer limits

Your first choice is to adjust your digital payment limit, assuming you’re making a transfer of less than 1 million GBP. Here’s how:

1. Log into the Chase app

2. Tap the 'Profile' icon on Home

3. Tap 'Limits'

4. Tap 'Ask us to change your transfer limits'

5. Enter the limit you want to set for yourself

For payments over 1 million GBP you can not use the digital system but you can still get service by calling the Chase team.

How to receive large transfers with Chase

There’s no fee from Chase to receive an incoming GBP payment. Overseas payments are not accepted. To receive money to Chase you’ll need to give the sender:

• Your full name

• Your Chase account number

• Your Chase sort code

Alternatives to Chase for receiving large payments

Chase doesn't usually limit the amount you can receive to your account - but you can only receive incoming payments from other banks in the UK, in GBP.

If you prefer to receive transfers in foreign currencies or from abroad, you’ll need a different service. Wise and Revolut can be a good pick:

Chase business payments limits

Chase UK does not support business payments. Chase in the US has a dedicated business service - but if you’re in the UK you’ll need to look for an alternative, such as Wise Business.

Chase customer support for high amount transfers

Here’s how to get help from Chase if you want to discuss your high value transfer:

• Log into the Chase app and tap ‘Support’

• Call on 0800 376 3333 within the UK, or +44 203 493 0829 from abroad

Conclusion: Does Chase have transfer limits?

Chase UK doesn’t offer incoming or outgoing international payments, but does support Faster Payments in the UK. These are sent to and from UK based banks in GBP.

Chase has a default limit for Faster Payments of 25,000 GBP which you can raise to 1 million GBP. While you can’t put your limit up higher than this, you can still send more on a case by case basis by calling the Chase support team.

If you’re looking to send money abroad, Chase UK can't help. Check out providers like Wise, OFX instead which offer comprehensive international services and low cost, secure payments.

Chase international transfer limits FAQs

How much can I transfer with Chase internationally online?

Chase does not support international transfers from the UK. To send a payment abroad you’ll need to work with a specialist service like Wise or OFX - you can still pay from your Chase account, and your transfer can be processed quickly and with a low fee.

What is the maximum amount you can transfer abroad with Chase?

Chase UK does not offer international transfers. There’s no limit amount you can send within the UK with Chase, if you call the support team.

How can I increase the Chase maximum transfer limit?

Increase the Chase UK transfer limit digital to anything up to 1 million GBP, or call for one off help for higher value transfers.