Chase does not issue IBAN numbers to U.S. customers

If you have a Chase account in the United States, you do not have an IBAN. Chase uses the routing number and account number system instead. An IBAN (International Bank Account Number) is a standardized format used by banks outside the U.S., primarily in Europe, the Middle East, and parts of Asia. The U.S. banking system predates IBAN and has its own infrastructure, so American banks including Chase have never adopted it.

If someone asks you for an IBAN to send money to your Chase account, they are either mistaken about where your bank is located or they are asking for the wrong information. You should provide your routing number and account number instead, or use a service like Wise or PayPal if the sender needs to move money internationally.

The only exception is if you hold a Chase account outside the United States — for example, in the United Kingdom or another country where Chase operates. Those accounts may have IBANs. But a standard Chase account opened in the U.S. will not.

Key Takeaways

  • Chase U.S. accounts use a routing number and account number, not an IBAN.
  • IBANs are used by banks in Europe, the Middle East, and Asia, not by U.S. banks.
  • If you need to receive an international wire transfer, ask the sender to use your routing number and account number, or suggest they use a money transfer service.
  • Chase accounts opened outside the U.S. may have IBANs; check with your local Chase branch if you hold an account abroad.

How the U.S. routing and account number system works

Your Chase account has two numbers that work together to identify it. The routing number tells the sending bank which Chase branch or processing center to send money to. The account number identifies your specific account within Chase. Together, they serve the same purpose as an IBAN does in other countries.

You can find both numbers on the bottom left of any check you write. The routing number is the first set of nine digits, the account number follows it. You can also log into your Chase online account or call Chase customer service to retrieve these numbers. When someone sends you money domestically — through ACH transfer, wire transfer, or direct deposit — they use these two numbers, not an IBAN.

When you might encounter an IBAN request

If you are receiving money from someone outside the U.S., they may ask for an IBAN because their bank requires it for international transfers. This is common in Europe and the UK. In that case, you cannot provide an IBAN because Chase does not issue one. Instead, you have two options.

First, you can give them your routing number and account number and ask them to initiate a wire transfer to the United States. Most international banks can do this, though it may take longer and cost more than an IBAN transfer would in their home country. Second, you can suggest they use a money transfer service like Wise, OFX, or Remitly, which can convert their currency and deposit funds into your Chase account using your routing and account numbers. These services are often faster and cheaper than a wire transfer.

What to do if someone insists on an IBAN

If a sender says they cannot transfer money without an IBAN, they are either using a bank or service that does not support U.S. transfers, or they are confused about how U.S. banking works. Do not make up an IBAN or provide false information — it will not work and the money will not reach you.

Instead, contact Chase directly to confirm what information you should provide for international incoming transfers. You can call Chase at the number on the back of your debit card or log into your online account to find the wire transfer instructions page. Chase will give you the correct routing number and account number to share. If the sender's bank truly cannot process a U.S. wire transfer, ask them to use a third-party money transfer service instead.

The difference between IBAN and SWIFT codes

You may also hear the term SWIFT code when discussing international transfers. A SWIFT code is different from an IBAN. The SWIFT code identifies the bank itself (in Chase's case, it is CHASUS33), while the IBAN identifies the specific account. Some international senders need both pieces of information. Chase does have a SWIFT code, but it does not have an IBAN for U.S. accounts.

If someone asks for your SWIFT code, you can provide Chase's SWIFT code (CHASUS33 for U.S. operations), but you will still need to give them your routing number and account number to complete the transfer. The combination of SWIFT code plus routing and account numbers is how international senders reach U.S. bank accounts.

Frequently Asked Questions

Can I get an IBAN for my Chase account?

No, Chase U.S. accounts do not have IBANs. If you need to receive international transfers regularly, you might consider opening an account with a bank or service that specializes in international transfers, such as Wise or Revolut, which issue IBANs. Otherwise, use your routing number and account number for all incoming transfers.

Will a wire transfer work if I give my routing number instead of an IBAN?

Yes. International wire transfers to the U.S. use the routing number and account number system. Your sender's bank may call it something different or ask for additional information like your SWIFT code, but the routing and account numbers are the standard way to receive money at a U.S. bank.

What is Chase's SWIFT code?

Chase's SWIFT code for U.S. operations is CHASUS33. However, providing only the SWIFT code is not enough — you must also give your routing number and account number so the sender knows which specific account to deposit the money into.

If I move to another country, will my Chase account get an IBAN?

If you open a new Chase account in another country, that account may have an IBAN. Your U.S. Chase account will not change. Contact the local Chase branch in the country where you are moving to learn what account numbers and formats they use.