Chase's SWIFT code is CHASUS33, but the last three digits change based on which Chase location handles your transfer

When you send a wire transfer to or from a Chase account, you may need to provide a SWIFT code — a standardized identifier that tells the sending bank which financial institution and branch will receive the money. Chase's primary SWIFT code is CHASUS33, where "CHAS" identifies Chase Bank, "US" means United States, and "33" is the code for their main operations center.

However, Chase operates multiple processing centers across the country. Depending on which state or region your account is in, or which Chase location is handling the transfer, the last three digits may differ. The code CHASUS33 works for most domestic and international wire transfers to Chase, but some transfers may route through CHASUS33CHI (Chicago), CHASUS33LA (Los Angeles), or CHASUS33NY (New York). Your Chase branch or customer service can tell you the exact code for your specific account.

You typically need a SWIFT code when sending money internationally or when a foreign bank is sending money to your Chase account. For domestic wire transfers between two U.S. banks, you usually need the receiving bank's routing number instead, not the SWIFT code.

Key Takeaways

  • Chase's main SWIFT code is CHASUS33, used for most wire transfers to Chase accounts in the United States.
  • The last three digits of Chase's SWIFT code may vary by region or processing center, so confirm the exact code with your Chase branch before sending a large transfer.
  • SWIFT codes are required for international wire transfers and when foreign banks send money to your Chase account.
  • For domestic wire transfers between U.S. banks, you need the routing number instead of the SWIFT code.
  • You can find your Chase account's routing number on the bottom left of your checks or by logging into your Chase online account.

When you need CHASUS33 versus a routing number

The difference between a SWIFT code and a routing number depends on where the money is coming from. A routing number is a nine-digit code that identifies a specific U.S. bank and branch within the Federal Reserve system. A SWIFT code is an international standard used by banks outside the United States to identify foreign banks and their branches.

If you are sending money from your Chase account to another U.S. bank, you provide that bank's routing number. If you are sending money from your Chase account to a bank outside the United States, you provide that bank's SWIFT code. If a bank outside the United States is sending money to your Chase account, they will need CHASUS33 (or the regional variant) plus your Chase account number.

Chase's routing number varies by state and branch. You can find your specific routing number on the bottom left of your checks, in the Chase mobile app under account details, or by calling Chase customer service at 1-800-935-9935.

How to confirm the right code before you wire money

Before you send a wire transfer, especially an international one, contact Chase directly to confirm you have the correct SWIFT code for your transaction. Call the Chase wire transfer department at 1-800-869-3557, or visit your local Chase branch with the details of your transfer — the amount, the destination country, and the receiving bank's name.

Chase customer service can tell you whether CHASUS33 is correct for your transfer or whether a regional code applies. They can also verify that the receiving bank's SWIFT code is correct, which prevents your money from being sent to the wrong institution. This step takes a few minutes and can save you from a delayed or misdirected transfer.

If you are receiving a wire transfer from abroad, provide the sender with CHASUS33 plus your full Chase account number and your name exactly as it appears on your account. Some international banks also ask for your address or the address of your Chase branch. Ask your Chase branch for the full wire instructions to give to the sender.

The difference between SWIFT codes and BIC codes

SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. BIC stands for Bank Identifier Code. The two terms are used interchangeably — they refer to the same eight- or eleven-character code. When a form asks for a BIC code, you provide the same code you would use for SWIFT: CHASUS33 for Chase.

Some countries and banks prefer the term "BIC code" while others use "SWIFT code," but the codes themselves are identical. If you see a wire transfer form that asks for either one, CHASUS33 is the answer for Chase.

What happens if you use the wrong SWIFT code

If you provide an incorrect SWIFT code, the sending bank may reject the transfer before it leaves, or the money may be sent to a different bank or branch. If the code is close to correct but not exact, the transfer might be delayed while the sending bank tries to route it or contacts you for clarification.

If money is sent to the wrong bank, you will need to contact that bank and the sending bank to trace and recover the funds. This process can take weeks. For this reason, it is worth taking a few minutes to confirm the code with Chase before you send a large or time-sensitive transfer.

Frequently Asked Questions

Is CHASUS33 the same for all Chase accounts?

CHASUS33 works for most Chase accounts, but some transfers may route through regional variants like CHASUS33CHI or CHASUS33NY depending on your account location and the transfer type. Contact your Chase branch to confirm the exact code for your account.

Do I need a SWIFT code to send money between my own Chase accounts?

No. To transfer money between your own Chase accounts, you only need your account numbers and the routing number for the receiving account. SWIFT codes are only needed for international transfers or when a foreign bank is involved.

Can I find Chase's SWIFT code on my checks or online statement?

No. Your checks and statements show your routing number, not your SWIFT code. You can find CHASUS33 on Chase's website or by calling customer service, but the routing number is what appears on your checks.

What if the bank sending me money asks for a different Chase SWIFT code?

Ask that bank which code they are requesting and why. Provide them with CHASUS33 first. If they say their system requires a different code, contact your Chase branch — they can tell you whether the alternative code is valid or whether the sending bank has outdated information.

How long does a wire transfer take if I use the correct SWIFT code?

International wire transfers typically take one to three business days once the sending bank processes them, though some may take longer depending on the receiving country and any intermediate banks involved. The correct SWIFT code does not speed up the transfer, but an incorrect one can cause delays.