Chase does not issue IBAN numbers to U.S. customers

Chase Bank does not assign IBAN (International Bank Account Number) codes to accounts held in the United States. IBANs are used primarily in Europe, the Middle East, Africa, and parts of Asia. If you hold a Chase account in the U.S., you will not have an IBAN on file, and you do not need one to send or receive money internationally.

Instead, U.S. banks like Chase use a different routing system for wire transfers: your routing number and account number. These two pieces of information serve the same purpose as an IBAN does in other countries — they tell the sending bank where your money should go.

If someone outside the U.S. is trying to send you money and asks for an IBAN, they may be confused about how U.S. banking works, or they may be using a service that requires different information. In either case, you will give them your routing number and account number instead.

Key Takeaways

  • Chase accounts in the United States do not have IBAN numbers; IBANs are used only in certain countries outside the U.S.
  • For international wire transfers to a Chase U.S. account, you need your routing number (nine digits) and account number instead.
  • Your Chase routing number is 021000021 for most U.S. locations, though some branches use different routing numbers.
  • You can find both your routing number and account number on the bottom left of any Chase check, or by logging into your Chase account online.
  • If you hold a Chase account outside the U.S., that account may have an IBAN; contact your local Chase branch to confirm.

What information to give instead of an IBAN

When someone sends you an international wire transfer to your Chase U.S. account, they will need three pieces of information: your name as it appears on the account, your routing number, and your account number.

Your routing number identifies which Chase branch or processing center handles your account. The most common Chase routing number for U.S. accounts is 021000021. However, some Chase accounts use different routing numbers depending on the state where the account was opened or the type of account. The safest approach is to verify your specific routing number rather than assume.

Your account number is unique to you and appears on your checks, statements, and online banking portal. It is typically 10 to 12 digits long. Together, your routing number and account number tell the sending bank exactly where to deposit the funds.

Where to find your Chase routing and account numbers

The fastest way to find both numbers is to look at a Chase check. On the bottom left of any check, you will see three groups of numbers separated by colons. The first group is your routing number, the second is your account number, and the third is your check number.

If you do not have a check handy, log into your Chase account online or through the Chase mobile app. Go to your account details or account information section. Your routing number and account number will be listed there. You can also call Chase customer service at the number on the back of your debit card and ask them to confirm both numbers.

Chase also displays this information in your account statements, both online and in paper form if you receive them by mail. Look for a section labeled "Account Information" or "Routing Information."

How international senders use your routing and account numbers

When someone outside the U.S. sends you a wire transfer, they will enter your information into their bank's international wire system. Their bank will use your routing number to identify Chase as the receiving bank and to route the transfer through the U.S. Federal Reserve system. The account number then directs the money to your specific account once it arrives at Chase.

Some international senders use services like Wise, OFX, or their own bank's wire transfer platform. These services may ask for your information in a specific format or may have their own fields for routing number and account number. The information you provide is the same; only the way you enter it changes.

The wire transfer typically takes one to three business days to arrive, depending on the sending country and the time of day the transfer is initiated. Once the money reaches Chase, it will be deposited into your account and available for use.

If you have a Chase account outside the United States

Chase operates in several countries outside the U.S., including the United Kingdom, Japan, and some other locations. If you hold a Chase account in one of these countries, that account may have an IBAN. The structure and format of the IBAN will depend on the country where the account is held.

To find your IBAN if you have a Chase account abroad, log into your local Chase online banking portal or contact your local Chase branch directly. They will provide your IBAN and explain how to use it for domestic and international transfers within that country.

Do not confuse a Chase account held outside the U.S. with a U.S. Chase account. If you are unsure which type of account you have, check the country listed on your account statements or contact Chase to confirm.

Common confusion: SWIFT codes and IBANs

International wire transfers sometimes require both an IBAN and a SWIFT code (also called a BIC code). A SWIFT code identifies the specific bank, while an IBAN identifies the specific account within that bank. For Chase U.S. accounts, you do not have an IBAN, but you do have a SWIFT code.

Chase's SWIFT code for U.S. wire transfers is CHASUS33 (or sometimes CHASUS33XXX, with the XXX representing the specific branch). Some international senders may ask for this code along with your routing and account numbers. Providing it can help may support the wire reaches the correct location, though it is not always required.

If an international sender asks for both an IBAN and a SWIFT code, explain that you have a U.S. Chase account and provide your routing number, account number, and SWIFT code instead. Most banks and wire transfer services will accept this combination.

Frequently Asked Questions

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

No. U.S. banks do not issue IBANs. If you need to receive international wire transfers, use your routing number (021000021 for most Chase accounts) and account number instead. These serve the same purpose as an IBAN in other countries.

What is the difference between a routing number and an IBAN?

A routing number identifies the bank and branch; an account number identifies your specific account. Together, they work like an IBAN does in other countries. IBANs combine both pieces of information into a single standardized code used outside the U.S.

Do I need a SWIFT code to receive a wire transfer at Chase?

Not always, but providing it can help. Chase's SWIFT code is CHASUS33. Your international sender may ask for it along with your routing and account numbers. Including it reduces the chance of a misdirected transfer.

What if the sender says they need an IBAN and will not accept a routing number?

Explain that you have a U.S. bank account and that U.S. banks use routing numbers instead of IBANs. Provide your routing number, account number, and Chase SWIFT code (CHASUS33). If the sender's system does not accept this information, they may be using a service that only works with certain countries; ask them to contact their bank or service provider for guidance on sending to the U.S.

Is my Chase routing number always 021000021?

Most U.S. Chase accounts use this routing number, but some do not. The safest approach is to verify your specific routing number by checking a check, your online account details, or by calling Chase. Do not assume without confirming.