Chase's SWIFT codes vary by location and transaction type

Chase does not have a single SWIFT code. The bank operates multiple codes depending on which Chase entity is handling your transfer, where the money is going, and what kind of transaction you are sending. If you are wiring money internationally to or from a Chase account, you need the correct code for that specific branch or service line — using the wrong one can delay your transfer by days or send it to the wrong account entirely.

The most commonly used SWIFT code for Chase Bank in the United States is CHASUS33, which routes to Chase's main wire operations center. However, Chase also maintains separate codes for its investment banking division, its treasury services, and transfers through specific regional offices. Before you initiate a wire, confirm with the person or business receiving the money which code they actually need.

Key Takeaways

  • CHASUS33 is Chase's primary SWIFT code for most international wire transfers from the United States.
  • Different Chase divisions and services use different codes, so you must verify which one applies to your specific transaction.
  • The receiving party — the person or business getting the money — should tell you which code to use rather than you guessing.
  • Entering an incorrect SWIFT code can route your transfer to the wrong Chase entity or delay it significantly.

How SWIFT codes work and why Chase has more than one

A SWIFT code is an 8 or 11-character identifier that tells the global banking network which financial institution and which specific branch or division should receive an international wire transfer. The first four characters identify the bank (CHAS for Chase), the next two identify the country (US for United States), and the remaining characters pinpoint the specific office or service line.

Chase maintains multiple codes because it operates as several distinct entities within the larger organization. Chase Bank, N.A. handles retail and commercial banking. JPMorgan Chase Bank, N.A. handles investment and institutional services. Chase Treasury Services handles corporate cash management. Each of these divisions has its own SWIFT code so that incoming wires route to the correct internal department and account type.

If you send money to CHASUS33 when the receiving account is actually held at a different Chase division, the transfer may still arrive — but it could take an extra day or two while Chase's internal routing system redirects it. In some cases, the receiving bank's system may reject the code entirely if it does not match their account setup.

The most common Chase SWIFT codes and what they cover

CHASUS33 is the code you will encounter most often. It routes to Chase Bank's wire operations center in the United States and handles the majority of international transfers for retail customers, small businesses, and standard commercial accounts. If someone tells you to send money to Chase and does not specify a code, CHASUS33 is usually the safe default — but always confirm first.

Chase also publishes codes for specific purposes and regions. CHASUS33XXX (the full 11-character version) is sometimes used to specify the New York office. CHASUS6S is used for certain investment and securities services. CHASUS44 routes to Chase's treasury and cash management division. If you are wiring money for a business account, a loan payment, or an investment transaction, the receiving party will tell you which code to use.

International branches of Chase — such as Chase Bank in London or Chase in Hong Kong — have their own SWIFT codes that begin with CHAS but end with different country codes (GBLO for London, HKHK for Hong Kong). These are not used for transfers within the United States.

How to find the correct SWIFT code for your specific transfer

The simplest and most reliable method is to ask the person or business receiving the money which SWIFT code their Chase account uses. They will know because their bank gave it to them when they opened the account, or they can call their Chase relationship manager and ask. This takes two minutes and eliminates guessing.

If you cannot reach the receiving party, you can call Chase directly at the number on the back of your Chase card or visit a Chase branch. Have ready the name of the person or business receiving the money, their account number if you have it, and the type of transaction (wire transfer, ACH, etc.). Chase's wire department can confirm the correct code in minutes.

You can also search Chase's official SWIFT code directory on their website, though this requires navigating their corporate banking section. The directory lists codes by service line and region. Do not rely on third-party SWIFT code databases unless you can cross-check the result with Chase directly — some outdated or incorrect codes circulate online.

What happens if you use the wrong SWIFT code

If the code is close but not exact, the transfer may still go through after a delay. The receiving bank's system will recognize it as a Chase code and route it to the correct department, but this adds one to three business days to the process. The sending bank may also charge you a fee for the correction.

If the code is completely wrong or does not exist, the transfer will be rejected. Your bank will return the money to your account, usually within five to seven business days, though some banks hold it longer. You will then have to initiate the transfer again with the correct code. If you are on a deadline — paying an invoice, meeting a loan deadline, or funding a time-sensitive purchase — a rejected transfer can create real problems.

In rare cases, a wrong code might route the money to a different bank or a different Chase entity entirely. This is why confirmation is critical. Once money leaves your account via wire transfer, it is nearly impossible to recover if it goes to the wrong place.

SWIFT codes versus other routing information Chase uses

Do not confuse a SWIFT code with a routing number. Routing numbers are nine-digit codes used for domestic transfers within the United States — ACH payments, checks, and domestic wire transfers. SWIFT codes are used only for international transfers. Chase's domestic routing number is 021000021, but this is useless for sending money to another country.

For international transfers, you typically need three pieces of information: the recipient's name, their SWIFT code (or their bank's SWIFT code), and their IBAN or account number. Some countries require an IBAN — a longer, country-specific account identifier — in addition to the SWIFT code. Ask the receiving party for all three before you initiate the transfer.

If you are receiving money from outside the United States into a Chase account, you will need to provide your SWIFT code (usually CHASUS33) along with your account number. You may also need to provide your IBAN if the sending country requires it. Chase can generate your IBAN for you if you call them or log into your online banking portal.

Frequently Asked Questions

Is CHASUS33 the code for all Chase accounts?

CHASUS33 works for most Chase retail and commercial accounts in the United States, but some business accounts, investment accounts, and treasury services accounts use different codes. Always confirm with the account holder or Chase directly rather than assuming.

Can I look up a SWIFT code if I only know the person's name and city?

No. SWIFT codes are tied to specific bank entities and service lines, not to individual customers. You need to ask the person which code their account uses, or you need their account number so Chase can tell you. A name and city are not enough.

Do I need a SWIFT code for a domestic transfer within the United States?

No. Domestic transfers use a routing number instead. SWIFT codes are only for international transfers. If you are sending money to another U.S. bank account, ask for the routing number, not the SWIFT code.

What if Chase tells me a different code than what the receiving party gave me?

Call Chase back and ask them to explain the difference. It is possible the receiving party has a specialized account that uses a non-standard code, or there may be a miscommunication. Get both parties on the same page before you send the money.

How long does an international wire take if I use the correct SWIFT code?

Most international wires using the correct SWIFT code arrive within one to three business days, depending on the receiving country and whether their banking system is open. Weekends and holidays can add time. Ask Chase for an estimate based on the destination country.