Chase does not issue IBANs to most U.S. customers

If you are sending money from a Chase account in the United States, you will not have an IBAN (International Bank Account Number). Chase uses a different system for U.S. accounts: a routing number and account number instead.

IBANs are primarily used in Europe, the Middle East, Africa, and some other regions. They are a standardized format that includes your country code, bank code, and account number all in one string. The U.S. banking system predates IBANs and does not use them domestically.

If someone has asked you for your Chase IBAN, they may be confused about where your account is located, or they may be expecting you to have an account outside the United States. It is worth clarifying with them whether they actually need an IBAN or whether they meant your routing and account numbers.

Key Takeaways

  • Chase U.S. accounts do not have IBANs; they use a routing number and account number for wire transfers instead.
  • If you have a Chase account in a country that uses IBANs, that account will have an IBAN you can find in your online banking or by calling Chase.
  • For sending money from a U.S. Chase account internationally, you will provide your routing number, account number, and SWIFT code, not an IBAN.
  • If someone asks for your IBAN, confirm whether they actually need it or whether they are asking for the wrong information for a U.S. account.

What to use instead: routing number and account number

When you send a wire transfer from a Chase account in the United States, the receiving bank needs your routing number and account number. These two pieces of information identify your Chase account and your bank.

Your routing number for Chase is typically 021000021, though some Chase branches have different routing numbers depending on the state. You can find your routing number on the bottom left of any check, or by logging into Chase online banking and looking at your account details.

Your account number is the unique identifier for your specific account. You can find it on the bottom of your checks (it comes after the routing number) or in your Chase online banking under account information. It is usually 10 to 12 digits long.

If the wire is going to another country, the receiving bank may also ask for a SWIFT code. Chase's main SWIFT code is CHASUS33. This code tells the international banking system that the money is coming from or going to Chase in the United States.

If you have a Chase account outside the U.S.

Chase operates in several countries outside the United States, including the United Kingdom, Japan, and others. If you have a Chase account in one of these countries, that account will have an IBAN because the country's banking system requires it.

To find your IBAN on a non-U.S. Chase account, log into your online banking for that country's Chase branch and look for account details or account information. The IBAN will be displayed there, usually as a long string of letters and numbers starting with your country code (GB for the United Kingdom, for example).

You can also call the Chase branch in that country directly and ask for your IBAN. They will provide it over the phone and can confirm it is correct before you give it to someone else.

How wire transfers work from a U.S. Chase account

When you initiate a wire transfer from Chase in the United States, you will enter the recipient's bank information, not your own IBAN. Chase will ask you for the recipient's name, their bank's name, their account number, and their bank's routing number or SWIFT code.

The wire will be processed using the routing number and SWIFT code system. Your own routing number and account number are already in Chase's system, so you do not need to provide them — Chase knows which account the money is leaving from based on which account you are logged into.

International wires typically take one to three business days, depending on the receiving country and bank. Some countries have faster systems than others. Chase will charge a fee for the wire, usually between $15 and $50 depending on whether it is domestic or international.

Common confusion: IBAN vs. routing number

An IBAN and a routing number serve the same purpose — they identify a bank account — but they are used in different parts of the world. The IBAN is the international standard used in most countries outside the United States. The routing number is the U.S. standard.

If you are sending money to someone in Europe, the Middle East, or Africa, they will give you an IBAN. If you are sending money to someone in the United States, you will ask for a routing number and account number. If you are sending money to Canada, you will ask for a transit number and account number.

The confusion often happens when someone who uses IBANs in their home country asks a U.S. account holder for an IBAN. They may not realize that U.S. banks do not issue them. In that case, you can explain that you have a routing number and account number instead, and provide those.

What information to give when someone asks for your IBAN

If someone has asked you for your Chase IBAN and you have a U.S. account, tell them you do not have an IBAN. Instead, offer them your routing number (021000021 for most Chase accounts), your account number, and Chase's SWIFT code (CHASUS33).

Write down all three pieces of information clearly so there is no confusion. If the person is unfamiliar with U.S. banking, you may need to explain that these three pieces of information together do the same job as an IBAN does in their country.

If the person insists they need an IBAN, ask them to double-check with their bank about what information they actually need. It is possible they have been given incorrect instructions, or they may be expecting you to have an account in a different country.

Frequently Asked Questions

Can I get an IBAN for my U.S. Chase account?

No. U.S. banks, including Chase, do not issue IBANs. The U.S. banking system uses routing numbers and account numbers instead. If you need to receive money from abroad, provide the sender with your routing number, account number, and Chase's SWIFT code.

What is Chase's SWIFT code?

Chase's main SWIFT code is CHASUS33. This code identifies Chase as a U.S. bank in the international banking system. Some specific Chase branches may have different SWIFT codes, but CHASUS33 works for most transfers.

Do I need an IBAN to send money internationally from Chase?

No. You need the recipient's IBAN (if they are outside the U.S.) or their routing number and account number (if they are in the U.S.). You do not provide your own IBAN when sending a wire; Chase already knows which account the money is leaving from.

What if I have a Chase account in another country?

If your Chase account is in a country that uses IBANs — such as the United Kingdom or another European country — that account will have an IBAN. You can find it in your online banking or by calling that country's Chase branch.

Why does someone keep asking me for an IBAN?

They may be unfamiliar with U.S. banking and assume all accounts have IBANs. Explain that U.S. accounts use routing numbers instead, and provide yours along with your account number and Chase's SWIFT code. If they still insist, ask them to confirm with their bank what information they actually need.