What Chase Bank's SWIFT Code Is and When You Need It

Chase's SWIFT Code and What It Does

Chase Bank's SWIFT code is CHASUS33. A SWIFT code is an eight- or eleven-character identifier that banks use to route money between financial institutions internationally. When you send money from a Chase account to someone outside the United States, or when someone sends money to your Chase account from abroad, the receiving or sending bank uses this code to confirm they are transferring funds to the correct Chase location.

SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. Think of it as a postal address for your bank in the global financial system. The code tells the sending bank's computer system exactly where to direct the transfer. Without it, international transfers would be slow and prone to error.

Chase's code CHASUS33 works for most Chase locations in the United States. Some Chase branches or specific services may have slightly different codes, but this is the standard one you will see on Chase's website and in most transfer instructions.

Key Takeaways

• Chase Bank's SWIFT code is CHASUS33, used for international wire transfers to or from Chase accounts in the United States.
• You need the SWIFT code when sending money internationally from Chase or when receiving a wire transfer from outside the U.S. into your Chase account.
• The code is free to use and is the same whether you are sending or receiving money.
• Some international transfers also require your account number, routing number, or the name and address of your Chase branch, so have those details ready.

When You Need to Provide Chase's SWIFT Code

You will need to give someone Chase's SWIFT code if they are sending you money from outside the United States. This could be a family member, an employer, a client, or a business partner abroad. They will ask you for the code so their bank knows where to send the funds.

You also need the code if you are sending money out of your Chase account to someone with a bank account outside the U.S. When you initiate an international wire transfer through Chase, you will enter the recipient's bank's SWIFT code so Chase knows where to route your money.

Domestic transfers within the United States do not use SWIFT codes. Instead, they use routing numbers and account numbers. SWIFT codes are only for transfers that cross international borders.

How to Find Chase's SWIFT Code

You do not need to memorize or search for Chase's SWIFT code — it is CHASUS33 for all U.S. Chase accounts. You can confirm this by logging into your Chase online banking account, calling Chase customer service at the number on the back of your debit or credit card, or visiting Chase's official website.

If you are receiving a wire transfer and the sender asks for your SWIFT code, give them CHASUS33. If you are sending money internationally and need the recipient's bank's SWIFT code, ask the recipient directly or look it up on their bank's website.

What Information to Have Ready for International Transfers

Besides the SWIFT code, international transfers usually require additional details. If you are receiving money, have your full name, complete mailing address, and Chase account number ready to give the sender. Some banks also ask for your routing number, which is 021000021 for Chase.

If you are sending money from Chase, you will need the recipient's full name, their complete address, their account number at their bank, and their bank's SWIFT code. You may also need their bank's routing number or branch code, depending on the country. Ask the recipient to provide all of this information to avoid delays.

Chase may also ask you to specify the purpose of the transfer (such as "family support" or "payment for services") and may require you to confirm that the transfer complies with U.S. banking regulations.

How International Transfers Through Chase Work

When you send money internationally through Chase, the transfer does not go directly to the recipient's bank. Instead, it passes through one or more intermediary banks, which use the SWIFT code to route it correctly. Each bank in the chain takes a small fee, which is why international transfers cost more than domestic ones.

The transfer can take anywhere from one to five business days, depending on the destination country, the time of day you send it, and whether any bank in the chain needs to verify information. Chase will give you a confirmation number and tracking details so you can check the status.

If something goes wrong — for example, if the recipient's account number is incorrect — the money may be returned to your Chase account, though this can take additional time. Always double-check the recipient's information before you send.

SWIFT Code vs. Other Bank Identifiers

The SWIFT code is different from your routing number and account number, though all three are used in banking. Your routing number (021000021 for Chase) identifies which Chase branch or processing center handles your account within the U.S. banking system. Your account number is unique to your specific account and tells the bank which account to deposit or withdraw from.

For domestic transfers, you only need the routing number and account number. For international transfers, you need the SWIFT code of the recipient's bank, plus the recipient's account number and full name. Some countries also use an IBAN (International Bank Account Number) instead of or in addition to the SWIFT code — ask the recipient which one their bank requires.

Frequently Asked Questions

Is Chase's SWIFT code the same for all branches?

Yes. CHASUS33 is the standard SWIFT code for all Chase Bank locations in the United States. You do not need to look up a code for a specific branch — this one code works for the entire Chase network.

Do I pay a fee to use the SWIFT code?

The SWIFT code itself is free. However, international wire transfers through Chase do carry a fee, typically between $15 and $50 depending on whether you are sending or receiving and which country is involved. Ask Chase about the exact fee before you send.

What if the sender gives me the wrong SWIFT code?

If the sender uses an incorrect SWIFT code, the transfer may be rejected or sent to the wrong bank. The money could be returned to the sender, or it may take weeks to recover. Always confirm the code with the sender or the recipient's bank directly before the transfer is sent.

Can I receive international transfers to a Chase savings account?

Yes. Use the same SWIFT code (CHASUS33) regardless of whether the transfer is going to a Chase checking account, savings account, or money market account. The account number you provide will direct the funds to the correct account type.

Do I need a SWIFT code to receive a wire transfer from another U.S. bank?

No. Transfers between U.S. banks use routing numbers and account numbers only. SWIFT codes are only for transfers that originate outside the United States.