SendMoneyCompare — International Money Transfer Comparison

Name: SWIFT/BIC Codes for Banks in United States
Creator: SendMoneyCompare
License: https://creativecommons.org/licenses/by-nc-sa/4.0/

Akif Hazarvi

SWIFT codes in United States

US · USD

Find the correct SWIFT/BIC code for banks in United States. Use these codes when sending or receiving international wire transfers. A SWIFT code ensures your payment is routed to the correct bank and branch.

Banks

3549

SWIFT codes

5

Branches

11

Currency

USD

Banks and SWIFT codes in United States

B
BANK OF AMERICA, N.A.

SWIFT/BIC	City	Branch	Address
`BOFAUS6NXXX`	SAN FRANCISCO	Head Office	345 SAN FRANCISCO
`BOFAUS6NCAN`	SAN FRANCISCO	CAN	—
`BOFAUS6NLON`	SAN FRANCISCO	LON	—
`BOFAUS6NGFX`	SAN FRANCISCO	GFX	555 CALIFORNIA STREET
`BOFAUS3NATS`	NEW YORK	ATS	222 BROADWAY

C
CAPITAL ONE, N.A.

SWIFT/BIC	City	Branch	Address
`NFBKUS33XXX`	NEW YORK	Head Office	1680 CAPITAL ONE DR

J
JPMORGAN CHASE BANK, N.A.

SWIFT/BIC	City	Branch	Address
`CHASUS3AXXX`	NEW YORK	Head Office	270 PARK AVENUE
`CHASUSU3MX8`	NEW YORK	MX8	—
`CHASUSU3MX9`	NEW YORK	MX9	—
`CHASUSU3MX6`	NEW YORK	MX6	—
`CHASUSU3MX7`	NEW YORK	MX7	—

Frequently asked questions

What is a SWIFT code for the United States?

A SWIFT code (BIC) for the US is an 8 or 11-character identifier used by American banks for international wire transfers. The country code portion is US. For example, CHASUS33 is the SWIFT code for JPMorgan Chase. The structure is: 4 characters for the bank, 2 for country (US), 2 for the city, and optionally 3 for the branch or division.

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. Always confirm the exact code with the recipient's bank, as some banks use different SWIFT codes for specific divisions.

How do I find the SWIFT code for my US bank?

You can find your US bank's SWIFT code on your bank statement, in your online or mobile banking app, by calling the bank's international wire desk, or by searching on this page. Note that the SWIFT code is different from the ABA routing number — the routing number is for domestic transfers only.

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.

Can I receive foreign currency directly in my US bank account?

Most standard US checking and savings accounts are USD-denominated, and inbound foreign currency transfers are automatically converted to dollars. Some larger banks like Citibank, HSBC US, and certain investment banks offer foreign currency accounts. For most recipients, receiving in USD is simplest — the sender can convert to USD on their end for a potentially better exchange rate.

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.