What a Bank of America SWIFT Code Is
A SWIFT code is an 8 or 11-character code that identifies a specific bank branch anywhere in the world. Bank of America's main SWIFT code is BOFAUS3N. When you send money internationally, the sending bank uses this code to route your transfer to the correct Bank of America location.
SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. It is not a money transfer service itself — it is a messaging system that banks use to communicate with each other about where money should go. Think of it like an address code for a bank instead of a street address for a house.
Bank of America has multiple SWIFT codes because different branches and departments handle different types of transactions. The code BOFAUS3N is the most common one you will need for incoming wire transfers to a Bank of America checking or savings account in the United States.
Key Takeaways
- Bank of America's primary SWIFT code for U.S. wire transfers is BOFAUS3N, which routes money to the main processing center in New York.
- You need a SWIFT code only when receiving money from outside the United States or sending money to another country.
- Different Bank of America departments and services may use different SWIFT codes, so confirm which one applies to your specific account type.
- Your Bank of America account number and routing number are separate from your SWIFT code and may be needed alongside it for international transfers.
When You Need a Bank of America SWIFT Code
You need a SWIFT code when someone outside the United States is sending you money via international wire transfer. If you are receiving a wire from a foreign bank, that bank will ask you for your SWIFT code so they know which Bank of America branch to send the funds to.
You do not need a SWIFT code for domestic wire transfers within the United States. Domestic transfers use your routing number and account number instead. You also do not need a SWIFT code if you are receiving money through other methods like ACH transfers, checks, or money transfer apps.
If you are sending money to someone outside the United States, you will need their bank's SWIFT code, not Bank of America's. Your Bank of America branch can help you find the correct SWIFT code for the receiving bank.
How to Find Your Bank of America SWIFT Code
The easiest way to find your Bank of America SWIFT code is to log into your online banking account or mobile app. Look for account details or wire transfer information — many banks display the SWIFT code alongside your routing number and account number.
You can also call Bank of America customer service at 1-800-432-1000 and ask for your SWIFT code. Have your account number ready. A representative can confirm which SWIFT code applies to your specific account and tell you whether you need any additional information for the incoming transfer.
If you are receiving money from someone in another country, you can also give them Bank of America's main SWIFT code BOFAUS3N along with your full account number. The sending bank will use this information to route the transfer correctly.
SWIFT Code Versus Routing Number
Your routing number and your SWIFT code serve similar purposes but are used in different situations. Your routing number is a nine-digit code that identifies your Bank of America branch for domestic transfers within the United States. Your SWIFT code is an international identifier used for transfers coming from or going to banks outside the U.S.
For a domestic wire transfer, you provide only your routing number and account number. For an international wire transfer, you provide your SWIFT code and account number. Some international transfers may ask for both, depending on how the sending bank's system is set up.
Bank of America's routing number varies by state and branch, but the SWIFT code BOFAUS3N is the same for most customer accounts. If you are unsure which number to give, ask the person sending you money what their bank requires — they will know based on their bank's system.
Other Bank of America SWIFT Codes
Bank of America uses different SWIFT codes for different purposes. BOFAUS3N is the standard code for most incoming wire transfers to consumer accounts. However, if you have a business account, investment account, or are receiving money for a specific purpose, a different SWIFT code may explore.
Some Bank of America SWIFT codes you might encounter include codes for specific departments like treasury services, international banking, or securities trading. If someone tells you that you need a different SWIFT code than BOFAUS3N, contact Bank of America to confirm before providing it. Using the wrong code can delay your transfer or send money to the wrong location.
Your Bank of America statement or account documentation may also list a SWIFT code specific to your account type. Check these documents first, or ask your Bank of America representative which code is correct for your situation.
What Information to Provide When Receiving an International Wire
When someone is sending you money from outside the United States, you will need to give them several pieces of information. Provide your full name exactly as it appears on your Bank of America account, your complete account number, and the SWIFT code BOFAUS3N.
You may also need to provide your Bank of America routing number, depending on the sending bank's requirements. Some banks ask for both the SWIFT code and the routing number to may support the transfer reaches the correct location. The sending bank will tell you what they need.
Double-check all information before giving it to the sender. A mistake in your account number or name can cause the transfer to be delayed or rejected. If you are unsure about any detail, contact Bank of America before the sender initiates the transfer.
How Long an International Wire Takes
An international wire transfer using a SWIFT code typically takes one to three business days to arrive in your Bank of America account, though this varies depending on the sending country, the sending bank, and any intermediate banks involved in the transfer.
Some countries and banks are faster than others. Transfers from Canada or Western Europe often arrive within one business day, while transfers from other regions may take longer. Weekends and bank holidays can also add time to the process.
Once the money arrives in your Bank of America account, it is usually available when ready. If your transfer does not arrive within the expected timeframe, contact Bank of America with the sender's bank name and the transfer date so they can investigate.
Frequently Asked Questions
Is BOFAUS3N the SWIFT code for all Bank of America accounts?
BOFAUS3N is the standard SWIFT code for most Bank of America consumer checking and savings accounts in the United States. Business accounts, investment accounts, and some specialty accounts may use different codes. Contact Bank of America to confirm the correct code for your specific account type.
Can I use my SWIFT code to send money internationally?
No. Your SWIFT code tells other banks how to send money to you. To send money internationally, you need the SWIFT code of the bank where the recipient has an account. Bank of America can help you find the correct SWIFT code for the receiving bank.
What happens if I give someone the wrong SWIFT code?
If the SWIFT code is incorrect, the sending bank may reject the transfer, or the money may be sent to a different Bank of America location and take longer to reach your account. Always double-check the code before the sender initiates the transfer. If a mistake occurs, contact Bank of America when ready with the transfer details.
Do I need a SWIFT code for ACH transfers or checks from abroad?
No. SWIFT codes are used only for international wire transfers. ACH transfers and checks use different routing systems. If someone outside the U.S. is sending you money by check, they will mail it directly to you, and you deposit it at Bank of America like any other check.
Can I find my SWIFT code on my debit card or checks?
No. Your SWIFT code does not appear on your debit card or checks. It is found in your online banking account, your account statements, or by calling Bank of America customer service. Your routing number appears on your checks, but that is different from your SWIFT code.