A SWIFT code is an 8 or 11-character identifier that banks use to send money internationally

When you send money from a Chase account to someone outside the United States, the receiving bank needs a way to confirm it is actually Chase handling the transfer. A SWIFT code (Society for Worldwide Interbank Financial Telecommunication) is that identifier. It tells the international banking network which bank is sending the money and where.

Chase's primary SWIFT code is CHASUS33. The first four letters identify Chase, the next two (US) identify the country, and the last two (33) identify the specific routing location. If you are sending money from Chase to an international recipient, you will likely need this code, though the exact code can vary depending on which Chase branch or service is handling the transfer.

You do not need a SWIFT code for domestic transfers within the United States. Those use a routing number instead. SWIFT codes are only required when money crosses a border.

Key Takeaways

  • Chase's main SWIFT code is CHASUS33, used for most international wire transfers sent from Chase accounts.
  • SWIFT codes are required only for international transfers; domestic U.S. transfers use routing numbers instead.
  • Different Chase branches or services may have different SWIFT codes, so confirm the correct one with Chase before sending money abroad.
  • The receiving bank will provide you with their SWIFT code; you provide Chase with yours when they ask for it.
  • SWIFT codes are publicly available information and do not pose a security risk if shared with someone receiving your payment.

When you need to provide your SWIFT code

You provide your SWIFT code to someone who is sending you money from outside the United States. They give it to their bank along with your account number and name so the payment reaches the right account at the right bank.

You do not initiate the SWIFT code request—the person sending you money will ask for it. If they do not ask, they may not need it, or they may be using a different international payment method like IBAN (International Bank Account Number), which is common in Europe.

When you are the one sending money internationally from Chase, you will need the receiving bank's SWIFT code instead. The receiving bank's website or a quick phone call to them will provide it.

How to find Chase's SWIFT code for your specific branch

CHASUS33 works for most Chase international transfers, but some branches or specialized services have their own codes. To find the exact code for your situation, call Chase at the number on the back of your debit or credit card and ask which SWIFT code to use for your transfer.

You can also visit Chase's website and search for "SWIFT code" or "international wire transfer," though the fastest route is usually a phone call to the branch handling your transfer. Have your account number and the country you are sending to or receiving from ready when you call.

If you are receiving money, ask the sender to confirm the code with their bank before initiating the transfer. Banks sometimes update codes or use branch-specific versions, and using the wrong code can delay or misdirect the payment.

SWIFT codes versus routing numbers and account numbers

A routing number is a nine-digit code that identifies a specific Chase branch for domestic transfers within the United States. A SWIFT code is an international identifier. A bank account number is the specific account at that bank where the money lands. All three pieces of information may be needed for an international transfer: the SWIFT code identifies the bank, the account number identifies your account, and sometimes an IBAN or additional routing information identifies the specific branch or service.

For a domestic wire transfer between two U.S. banks, you need only the routing number and account number. For an international transfer, you need the SWIFT code and account number at minimum, and sometimes additional information depending on the country.

What happens if you use the wrong SWIFT code

If a SWIFT code is incorrect or incomplete, the sending bank will usually reject the transfer before it leaves their system. The money returns to the sender, and they are notified that the code was invalid. This can add several days to the process.

In rare cases, a transfer with a slightly wrong code might reach a different bank or branch. If that happens, that bank will reject it and send it back. The sender's bank may charge a fee for the rejected transfer, depending on their policy.

To avoid this, confirm the SWIFT code with Chase or the receiving bank directly before the transfer is sent. A quick phone call or email takes minutes and prevents delays and potential fees.

International transfers from Chase: what to expect

When you send money internationally from Chase, you will provide the receiving bank's SWIFT code, the recipient's account number, and their name. Chase will ask for the amount, the currency, and the country. The transfer typically takes three to five business days, though some countries are slower.

Chase charges a fee for outgoing international wire transfers—the amount varies by account type and destination country. Ask Chase for the exact fee before you initiate the transfer. The recipient's bank may also charge a fee on their end to receive the money.

The exchange rate Chase uses is set at the time the transfer is processed, not when you request it. If the rate moves significantly between when you initiate the transfer and when it clears, the amount the recipient receives may differ from what you calculated.

Receiving money at Chase from abroad

When someone sends you money from outside the United States, you provide them with Chase's SWIFT code (CHASUS33 in most cases), your full name as it appears on your account, and your account number. Some senders may also ask for your address or a reference number to include with the transfer.

The money typically arrives within three to five business days. Chase will deposit it into your account and may charge a receiving fee, though many Chase accounts waive this for incoming international transfers. Check your account agreement or call Chase to confirm whether you will be charged.

Once the money arrives, it is treated as a regular deposit and is available to use immediately, though the funds may be held briefly if Chase flags the transfer for review.

Frequently Asked Questions

Is CHASUS33 the SWIFT code for all Chase branches?

CHASUS33 is the primary code for most Chase transfers, but some branches or specialized services may have different codes. Call Chase before sending or receiving a large transfer to confirm you have the correct code for your specific branch or service.

Do I need a SWIFT code to send money to someone in Canada or Mexico?

Canada and Mexico use SWIFT codes for international transfers, so yes, you will need the receiving bank's SWIFT code. However, some banks in these countries also accept IBAN or other routing formats. Ask the recipient's bank which code they prefer.

What if someone asks me for my SWIFT code and I am not sure if I trust them?

SWIFT codes are public information and sharing yours poses no security risk. However, never share your full account number, PIN, or online banking password with anyone. If someone is asking for your account number along with your SWIFT code, verify they are legitimate before providing it.

Can I look up a SWIFT code online instead of calling Chase?

Yes, SWIFT codes are publicly available in online directories, and you can search for Chase's code there. However, calling Chase directly ensures you have the correct code for your specific transfer, especially if you are using a specialized service or branch.

How long does an international transfer take once I provide the SWIFT code?

Most international transfers take three to five business days after the sending bank processes the transfer. Weekends and holidays add time. Some countries or banks are slower; ask Chase for an estimate based on the destination country.