Chase SWIFT codes are nine characters long and vary by branch location and currency
A SWIFT code is a standardized identifier that banks use to route international wire transfers. Chase's main SWIFT code for U.S. domestic and international transfers is CHASUS33, but the code can change depending on which Chase branch handles your transfer and what currency you're sending.
If you're sending money internationally from a Chase account, you'll need the correct SWIFT code to ensure the transfer reaches the right bank and clears without delay. Using an incorrect code can cause the transfer to bounce back or arrive at the wrong institution, adding days to the process.
The code itself breaks down into four parts: the bank code (CHAS for Chase), the country code (US for United States), the location code (US for the specific region), and a branch code (33 for the main processing center). Different Chase locations and services may use different branch codes.
Key Takeaways
- Chase's primary SWIFT code for most international transfers is CHASUS33, but confirm with your specific branch before sending money.
- You can find your branch's SWIFT code by calling Chase customer service, visiting your local branch, or logging into your online account.
- Some Chase branches and services use different SWIFT codes, so verify the code matches the branch where your account is held.
- Wire transfer delays often result from using an outdated or incorrect SWIFT code, so double-check before initiating the transfer.
Where to find your Chase SWIFT code online
Log into your Chase online banking account and navigate to the wire transfer or international payment section. Many accounts display the SWIFT code directly in the wire instructions or international transfer details. If you don't see it listed, look for a link labeled "wire instructions" or "international transfer information."
Chase also publishes SWIFT codes on its website under the international banking or wire transfer section. Search for "Chase SWIFT code" on Chase.com and look for pages titled "International Wire Transfer Instructions" or "SWIFT Codes for Chase Bank." The main code CHASUS33 appears on most of these pages, though they may also list codes for specific regions or services.
Calling Chase to confirm the correct code
Phone Chase customer service at the number on the back of your debit or credit card. Tell the representative you need the SWIFT code for an international wire transfer from your account. They will provide the code and confirm whether CHASUS33 is correct for your branch or if a different code applies.
If you're sending money to a specific country or through a particular Chase service (such as Chase Private Client or a business account), mention that when you call. The representative may direct you to a different code or provide additional routing information needed for that transfer type.
Visiting a Chase branch in person
Walk into any Chase branch and ask a teller or banker for the SWIFT code associated with your account. They can print wire transfer instructions that include the correct code, which you can then use for future transfers. This is especially useful if you plan to send multiple international transfers and want documentation you can reference.
Bring your account number or debit card so the teller can look up your account quickly. If your account is held at a different branch than the one you're visiting, the teller can still provide the SWIFT code for your home branch or direct you to the right department.
SWIFT codes for specific Chase services and accounts
Chase offers different services that may use different SWIFT codes. Chase Private Client, Chase Business Banking, and standard consumer accounts may route through different processing centers. If you have a business account or a specialized service, ask specifically whether your account uses a different code than the standard CHASUS33.
Some Chase accounts held in specific states or regions may also use regional codes. For example, if your account is held at a Chase branch in New York or California, the processing center may differ slightly. The representative you speak with can confirm whether your account uses the main code or a regional variation.
What to do if a wire transfer is delayed or rejected
If your international transfer doesn't arrive within the expected timeframe, the first step is to verify that you used the correct SWIFT code. Call Chase and provide the transfer reference number. The representative can check whether the code was correct and whether the transfer is stuck in processing or has been returned.
If the wrong SWIFT code was used, Chase may be able to recall the transfer or reroute it to the correct destination. This process can take several business days. To avoid this in the future, always confirm the SWIFT code with Chase before initiating an international wire, especially if you haven't sent money to that country or bank before.
Frequently Asked Questions
Is CHASUS33 the SWIFT code for all Chase accounts?
CHASUS33 is the primary code for most Chase accounts and international transfers, but some business accounts, private banking services, or regional branches may use different codes. Always confirm with Chase that the code matches your specific account before sending money.
Do I need a SWIFT code for transfers between two Chase accounts?
No. Transfers between Chase accounts within the United States use routing numbers, not SWIFT codes. SWIFT codes are only required for international transfers or transfers to banks outside the U.S.
What happens if I use the wrong SWIFT code?
The transfer may be rejected and returned to your account, or it may arrive at a different bank. Either way, the process takes extra time. Always verify the code with Chase before sending an international wire to avoid delays.
Can I find a SWIFT code for a specific Chase branch?
Most Chase branches use the main code CHASUS33 for international transfers. If you need a code for a specific branch location, call that branch directly or contact Chase customer service with your branch address, and they can confirm whether a different code applies.
How long does an international wire take if I use the correct SWIFT code?
International wires typically arrive within one to three business days when the correct SWIFT code is used. Delays can occur if the receiving bank is in a different time zone or if additional verification is needed, but the correct code ensures the transfer reaches the right institution without bouncing back.