What SWIFT and BIC codes are, and why Chase uses them

A SWIFT code is an 8 or 11-character identifier that banks use to send money internationally. BIC stands for Bank Identifier Code — it is the same thing as a SWIFT code, just a different name for it. When you send money from your Chase account to a bank outside the United States, the receiving bank uses Chase's SWIFT code to route the payment correctly and confirm it is actually coming from Chase.

Chase does not have a single SWIFT code for the entire bank. Instead, each Chase branch and each type of account has its own code. The code you need depends on where your money is going and which Chase location handles your account. Using the wrong code will not stop the transfer, but it may slow it down or cause the receiving bank to reject it.

SWIFT codes are managed by the Society for Worldwide Interbank Financial Telecommunication, a cooperative owned by banks themselves. Chase participates in this system and assigns codes to each of its locations and services. You will need the correct code before you initiate an international wire transfer.

Key Takeaways

  • Chase's main SWIFT code for most international transfers is CHASUS33, but the exact code you need depends on which Chase branch or service handles your account.
  • You can find the correct code by calling Chase at 1-800-935-9935, visiting your local Chase branch, or checking your account statements and transfer history.
  • The receiving bank will tell you which SWIFT code to use if you ask them directly — they often have a list of codes for major banks like Chase.
  • Using an incorrect SWIFT code may delay your transfer or cause it to be returned, but the money will not go to the wrong person if the account number is correct.
  • SWIFT codes are different from routing numbers; routing numbers are for domestic transfers within the United States, while SWIFT codes are for international transfers.

Chase's main SWIFT code and when to use it

The most common Chase SWIFT code is CHASUS33. This code works for most international wire transfers from Chase accounts in the United States. If you are sending money from a Chase checking or savings account to a bank outside the U.S., CHASUS33 is usually the code the receiving bank will ask for.

However, CHASUS33 is not universal across all Chase services. If your account is held at a specific Chase branch, or if you are using a specialized service like Chase Private Client or a business banking division, the code may be different. The safest approach is to confirm the exact code with Chase before you send the transfer, rather than assuming CHASUS33 will work.

Some countries have additional requirements beyond the SWIFT code. For example, you may also need an IBAN (International Bank Account Number) if you are sending to Europe, or a local bank code if you are sending to Asia or Latin America. The receiving bank will tell you what information they need when you ask them for Chase's SWIFT code.

How to find the correct SWIFT code for your specific transfer

The most direct way to get the right code is to call Chase directly at 1-800-935-9935 and tell them which country you are sending money to and what type of account you have. A representative can confirm whether CHASUS33 is correct for your situation or provide an alternative code if needed. This call takes about five minutes and removes any doubt.

You can also visit a Chase branch in person and ask a banker for the SWIFT code. Bring your account number and the name of the country where you are sending the money. The banker can look up the code in Chase's system and write it down for you.

A third option is to ask the receiving bank directly. When you contact the bank that will receive your money, ask them what SWIFT code they use for Chase transfers. Most banks keep a list of codes for major international banks and can tell you immediately. This also confirms that the code will work on their end.

Do not rely on online SWIFT code directories as your only source. While many of these sites are accurate, they are not always updated immediately when banks change their codes or add new ones. Use them as a starting point, but verify with Chase or the receiving bank before you send a large transfer.

SWIFT codes versus routing numbers

A routing number is a nine-digit code that identifies a specific Chase branch for transfers within the United States. A SWIFT code is an international identifier that works across borders. They serve different purposes and are not interchangeable.

If you are sending money to another U.S. bank, you will use a routing number, not a SWIFT code. If you are sending money outside the United States, you will use a SWIFT code. Some international transfers also require both — for example, a transfer to Canada may need both the receiving bank's SWIFT code and a local routing number.

Your Chase account statement or online banking portal will show your routing number. Your SWIFT code is not usually printed on statements, which is why many people have to call or visit a branch to find it.

What happens if you use the wrong SWIFT code

If you provide an incorrect SWIFT code, the receiving bank may reject the transfer and send the money back to Chase. This process typically takes 5 to 10 business days. Once the money returns to your Chase account, you can correct the code and send it again.

In rare cases, an incorrect SWIFT code may cause the money to be routed to a different bank entirely. However, this is unlikely if the account number you provided is correct, because most banks use the account number as the primary identifier and the SWIFT code as a secondary check.

The key is to get the code right before you initiate the transfer. Once the transfer is sent, you cannot change the SWIFT code — you can only wait for it to be rejected and returned, or contact Chase to trace the payment if it does not arrive.

International transfer fees and timing with Chase

Chase charges a fee for outgoing international wire transfers, typically between $15 and $50 depending on whether the transfer is to a Chase account or a non-Chase account. This fee is separate from any fees the receiving bank may charge. Ask Chase about the exact fee before you send the transfer.

International transfers using SWIFT codes usually take 1 to 5 business days, depending on the receiving country and whether the receiving bank processes transfers on weekends. Some countries have slower banking systems, and transfers may take longer. Chase will give you an estimated delivery date when you initiate the transfer.

If you are sending a large amount of money or on a tight timeline, consider asking Chase about faster options like same-day wire transfers, which are available to some countries but come with higher fees.

Frequently Asked Questions

Is CHASUS33 the SWIFT code for all Chase accounts?

CHASUS33 works for most Chase accounts in the United States, but some specialized accounts or branches may have different codes. Call Chase at 1-800-935-9935 to confirm the code for your specific account before sending an international transfer.

Do I need both a SWIFT code and an account number?

Yes. The SWIFT code tells the receiving bank which bank to route the money to, and the account number tells them which account within that bank should receive it. You need both pieces of information for the transfer to reach the correct person.

Can I use a SWIFT code to send money domestically within the United States?

No. Domestic transfers within the U.S. use routing numbers, not SWIFT codes. SWIFT codes are only for international transfers. If you try to use a SWIFT code for a domestic transfer, the receiving bank will reject it.

What if the receiving bank says they do not recognize Chase's SWIFT code?

This is rare but can happen if the receiving bank has outdated information. Ask them to check their system again or provide you with the SWIFT code they have on file for Chase. You can then call Chase to confirm whether that code is current. If there is a mismatch, Chase can help you resolve it.

How long does an international transfer take with the correct SWIFT code?

Most international transfers take 1 to 5 business days once Chase sends them. The exact timeline depends on the receiving country, the receiving bank's processing speed, and whether weekends or holidays fall during the transfer window. Chase will provide an estimated delivery date when you initiate the transfer.