SWIFT codes in United States
US · USD
3549 banks in United States, from BANK OF AMERICA, N.A. (BOFAUS6N) onward; every code carries US as its country part.
Banks
3549
SWIFT codes
5
Branches
11
Currency
USD
Banks and SWIFT codes in United States
BBANK OF AMERICA, N.A.
| SWIFT/BIC | City |
|---|---|
BOFAUS6NXXX | SAN FRANCISCO |
BOFAUS6NCAN | SAN FRANCISCO |
BOFAUS6NLON | SAN FRANCISCO |
BOFAUS6NGFX | SAN FRANCISCO |
BOFAUS3NATS | NEW YORK |
CCAPITAL ONE, N.A.
| SWIFT/BIC | City |
|---|---|
NFBKUS33XXX | NEW YORK |
JJPMORGAN CHASE BANK, N.A.
| SWIFT/BIC | City |
|---|---|
CHASUS3AXXX | NEW YORK |
CHASUSU3MX8 | NEW YORK |
CHASUSU3MX9 | NEW YORK |
CHASUSU3MX6 | NEW YORK |
CHASUSU3MX7 | NEW YORK |
United States SWIFT code questions
What does a United States SWIFT code look like?
BOFAUS6NXXX (BANK OF AMERICA, N.A.): bank BOFA, country US, location 6N, branch XXX.
What are the SWIFT codes for major US banks?
Key US bank SWIFT codes include: JPMorgan Chase — CHASUS33, Bank of America — BOFAUS3N, Citibank — CITIUS33, Wells Fargo — WFBIUS6S, US Bank — USBKUS44, PNC Bank — PNCCUS33, and Capital One — HIBKUS3N.
Do I need a SWIFT code or an ABA routing number for international transfers to the US?
For international transfers from outside the US, the sender needs the recipient bank's SWIFT/BIC code plus the account number. The nine-digit ABA routing number is used for domestic ACH and Fedwire transfers only and is not recognised by the SWIFT network. Some banks may also ask for the ABA routing number as supplementary information, but the SWIFT code is the essential international identifier.
How long does a SWIFT transfer to the US take?
SWIFT transfers to the US typically arrive within one to three business days. The US is the world's largest recipient of international wire transfers, and major banks like JPMorgan Chase, Bank of America, and Citibank have extensive correspondent networks that facilitate fast settlement. Transfers from Europe and Asia usually arrive within one to two business days.
Are there fees for receiving a SWIFT transfer in the US?
US banks commonly charge an inbound international wire fee, typically USD 15–25 per transaction, even if the sender paid all outbound charges. Some premium or business accounts waive this fee. If the transfer arrives in a currency other than USD, the bank will convert it at their own exchange rate. Confirm your bank's inbound wire fee schedule before the transfer is sent.
What is the difference between Fedwire, ACH, and SWIFT in the US?
Fedwire is the Federal Reserve's real-time gross settlement system for domestic USD transfers. ACH (Automated Clearing House) handles batch domestic transfers like payroll and bill payments. Both use ABA routing numbers and are domestic only. SWIFT is the international network for cross-border wire transfers. After a SWIFT payment arrives at a US bank, the bank credits the recipient's account through its internal systems.
How SWIFT works in the United States
The US banking system uses ABA routing numbers and Fedwire for domestic transfers, which are completely separate from the SWIFT network. When sending money internationally to a US bank account, you need the recipient bank's SWIFT/BIC code — not the nine-digit ABA routing number used for domestic ACH and wire transfers. Many US banks have different SWIFT codes for their international wire desks versus their retail branches.
- US banks often route inbound international wires through a central SWIFT gateway, typically at their New York correspondent desk. The SWIFT code you need may differ from the branch where the account is held, so always confirm with the recipient's bank.
- For USD-denominated payments arriving from overseas, the receiving bank may charge an inbound wire fee (typically $15-25) even if the sender paid all outbound charges. Ask the recipient to check their bank's fee schedule for incoming international wires.
- If you are sending to a US account in a currency other than USD, the beneficiary bank will convert it at their own exchange rate, which is usually unfavorable. Sending in USD and letting the originating bank handle conversion often produces a better outcome.
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