Chase uses SWIFT codes, not IBANs, for most wire transfers
Chase Bank does not issue IBAN (International Bank Account Number) codes to most U.S. customers because IBANs are primarily used in Europe and countries that follow the IBAN standard. If you have a Chase account in the United States, you will not have an IBAN to provide.
What you will have is a SWIFT code (also called a BIC code), which Chase uses for international wire transfers. The SWIFT code identifies Chase as the receiving bank and helps route your money correctly across international banking networks. This is the code you need when someone outside the U.S. is sending you money, or when you are sending money internationally from your Chase account.
If you hold a Chase account in a country outside the U.S. — such as the United Kingdom or another IBAN-using country — that account may have an IBAN. The rules differ by country and account type.
Key Takeaways
- Chase U.S. accounts do not have IBANs; they use SWIFT codes instead for international transfers.
- Chase's main SWIFT code is CHASUS33, though some branches and account types may use different codes.
- You will also need your Chase account number and routing number to complete an international wire transfer.
- You can find your SWIFT code on Chase's website, by calling Chase customer service, or by asking your branch directly.
- If you are receiving money from abroad, provide the sender with your SWIFT code, account number, and routing number.
Chase's SWIFT code and what it means
Chase Bank's primary SWIFT code is CHASUS33. This code breaks down as follows: CHASUS is the bank identifier (Chase, United States), and 33 identifies the main clearing house. When someone sends you an international wire transfer, they will enter this code into their bank's system to tell it where the money is going.
Some Chase branches or specific account types may use different SWIFT codes. For example, a wire sent to a Chase branch in New York might route through a code specific to that location. The safest approach is to confirm the exact SWIFT code with Chase before you give it to someone sending you money, especially if the transfer is large or time-sensitive.
The SWIFT code alone is not enough to receive a wire. You will also need to provide your Chase account number and your bank's routing number (which is 021000021 for most Chase accounts, though this can vary by location and account type).
How to find your Chase SWIFT code
You have three straightforward ways to locate your SWIFT code:
- Call Chase customer service. Phone the number on the back of your Chase debit or credit card, or call 1-800-935-9935. A representative can confirm your SWIFT code in minutes and answer questions about your specific account.
- Visit your local Chase branch. Any Chase banker can print your SWIFT code and routing number on the spot. This is useful if you want written confirmation to hand to the person sending you money.
- Check Chase's website. Chase publishes SWIFT codes for its major locations on its international wire transfer page. Search "Chase SWIFT code" to find the current list.
If you use Chase online banking, you may also see your routing number displayed in the account settings or transfer section, though the SWIFT code is not always shown there. Calling or visiting a branch remains the most reliable method.
What information to give someone sending you money from abroad
When someone outside the U.S. wants to send you money via international wire, they will ask for your bank details. Provide them with all of the following:
- Your full name (exactly as it appears on your Chase account)
- Your Chase account number
- Chase Bank's routing number (usually 021000021)
- Chase Bank's SWIFT code (CHASUS33 for most accounts)
- The full address of the Chase branch where your account is held, or Chase's main address
Some international banks also ask for an intermediary bank if the transfer is coming from a country that does not have a direct relationship with Chase. Chase can provide this information if the sender's bank requests it. This is another reason to contact Chase directly before the transfer begins — it prevents delays caused by missing or incorrect information.
Sending money internationally from your Chase account
If you are the one sending money abroad, you will need the recipient's SWIFT code (or IBAN, if they are in Europe or another IBAN country), their account number, and their bank's address. You can initiate an international wire through Chase online banking, by phone, or in person at a branch.
Chase charges a fee for outgoing international wire transfers, and the amount varies depending on the destination country and whether you use online banking or a branch. The recipient's bank may also charge a fee on their end. Ask Chase for the total cost before you confirm the transfer, as these fees are not refundable once the wire is sent.
International wires typically take three to five business days to arrive, though this depends on the receiving bank's processing speed and whether any intermediary banks are involved. Chase will give you a confirmation number and tracking information when you send the wire.
If you have a Chase account outside the U.S.
Chase operates in several countries outside the United States, including the United Kingdom, Canada, and others. If you hold an account with Chase in one of these countries, your account may have an IBAN instead of (or in addition to) a SWIFT code.
For example, a Chase UK account would have a UK IBAN that starts with "GB". The rules for IBANs are set by each country's banking system, so the format and requirements differ. Contact your local Chase branch or the Chase office in your country to learn whether your account has an IBAN and how to use it for transfers.
Frequently Asked Questions
Do I need both a SWIFT code and a routing number to receive a wire?
For international wires, you need the SWIFT code. For domestic U.S. wires, you need the routing number. If someone is sending you money from outside the U.S., give them the SWIFT code and your account number. If they are sending from within the U.S., give them the routing number and account number instead.
What is the difference between a SWIFT code and an IBAN?
A SWIFT code identifies the bank and branch. An IBAN is a complete account number that includes the bank identifier, country code, and account details in one string. IBANs are standard in Europe and some other regions; the U.S. does not use them for domestic accounts.
Can I use the same SWIFT code for all my Chase accounts?
Most Chase accounts use the same SWIFT code (CHASUS33), but some branches or account types may have variations. Confirm with Chase before providing your code to someone sending you a large transfer.
How long does an international wire to Chase take?
International wires typically arrive within three to five business days, depending on the sending bank, any intermediary banks involved, and Chase's processing time. The exact timeline varies by country and currency.
What happens if I give someone the wrong SWIFT code?
The wire may be delayed or rejected by the sending bank's system. If the code is close but not exact, the money might reach a different Chase location and take longer to reach your account. Always confirm the code with Chase before the sender initiates the transfer.