What Chase IBAN and SWIFT codes are, and when you need them

A SWIFT code is a unique identifier that tells the sending bank which bank to route your money to. Chase's SWIFT code is CHASUS33 for most US wire transfers, though some regions use different codes. An IBAN (International Bank Account Number) is a standardized account number used mainly in Europe and some other countries — the US does not use IBANs for domestic transfers, only for international ones.

You need these codes when sending money internationally or when someone outside the US is sending you money. If you are wiring money within the United States, you will use your routing number and account number instead. Chase will ask for SWIFT and IBAN only when the transfer crosses a border.

The confusion happens because Chase customers in the US rarely need an IBAN. If you are sending money to a Chase account in another country, or receiving money from abroad, that is when these codes matter. Your bank statement and online banking portal both show where to find them.

Key Takeaways

  • Chase's SWIFT code for most US international wire transfers is CHASUS33, though some branches use CHASUS33XXX or region-specific codes.
  • The US does not use IBANs for domestic accounts, so you will only need an IBAN if you hold a Chase account outside the US or are receiving money from abroad.
  • Your account number and routing number are what you use for domestic US wire transfers, not SWIFT or IBAN.
  • You can find your routing number on the bottom left of any check, or by logging into Chase online banking and viewing your account details.

Finding your Chase routing number for domestic wire transfers

For any wire transfer within the United States, you need your routing number and account number, not SWIFT or IBAN. Chase routing numbers vary by state and account type. The easiest way to find yours is to look at the bottom left corner of any check you have — the first nine digits are your routing number.

If you do not have a check, log into your Chase online banking account, go to Account Details or Account Information, and your routing number will be listed there. You can also call Chase customer service at the number on the back of your debit card and ask for your routing number. Write down both your routing number and your account number (which appears on your checks after the routing number) before you initiate the wire.

The routing number tells the sending bank which Chase branch or processing center handles your account. Using the wrong routing number will delay your transfer or send it to the wrong place, so double-check it against your check or online banking before confirming the wire.

Chase SWIFT codes for international transfers

If you are sending money internationally from a Chase account, or someone is sending you money from abroad to your Chase account, you will need a SWIFT code. The primary SWIFT code for Chase Bank USA is CHASUS33. Some international transfers also accept the format CHASUS33XXX, which is the same code with additional digits added by the sending bank's system.

Different Chase locations and account types may have region-specific SWIFT codes. If you are unsure which code to provide, log into Chase online banking, go to your account details, and look for "SWIFT Code" or "BIC Code" (they mean the same thing). If it is not listed there, call Chase international services at the number on the back of your card and ask for the SWIFT code tied to your specific account and branch.

The SWIFT code routes your money through the international banking network to the correct Chase location. Providing the wrong SWIFT code can cause the transfer to be rejected or delayed while the receiving bank tries to figure out where it should go.

When you need an IBAN and how to get one

An IBAN is required only if you hold a Chase account outside the United States, or if you are receiving a wire transfer from someone in Europe or another country that uses IBANs. US-based Chase accounts do not have IBANs — the US banking system uses routing numbers and account numbers instead.

If you have a Chase account in another country (such as the UK, Germany, or France), that account will have an IBAN. You can find it by logging into your international Chase online banking portal, viewing your account details, or calling the Chase branch in that country. The IBAN will be a long string of letters and numbers — for example, a UK IBAN might start with "GB" followed by 22 more characters.

If someone is sending you money from abroad and asks for your IBAN, and you have a US Chase account, tell them you do not have one. Instead, provide your routing number, account number, and Chase's SWIFT code (CHASUS33). They will use those to send the money to your US account.

What to provide when someone sends you money from abroad

When a person or business outside the US wants to send you money to your Chase account, give them this information in this order: your full name, your account number, your bank's routing number, and Chase's SWIFT code (CHASUS33). Do not give them an IBAN — US accounts do not use them.

Some international senders will ask for a "SWIFT address" or "BIC code" — these are the same as the SWIFT code. You can provide CHASUS33 for either request. If the sender's bank requires additional information, such as your branch address, you can find that on your Chase debit card or by logging into online banking and looking at your account details.

The sender's bank will use your routing number and account number to find your specific Chase account, and the SWIFT code to route the transfer through the international banking system. Providing accurate information the first time prevents delays and rejected transfers.

Common mistakes when providing wire transfer information

The most common error is confusing your account number with your routing number. Your routing number is always nine digits and appears first on the bottom of a check. Your account number comes after the routing number and is usually 10 to 12 digits. Swapping these will send your money to the wrong place.

Another mistake is providing an IBAN when you have a US Chase account. US banks do not use IBANs, and a sender who tries to use an IBAN for a US account will have their transfer rejected. If someone asks for your IBAN and you have a US account, politely explain that US accounts use routing and account numbers instead.

A third error is using an outdated or region-specific SWIFT code when CHASUS33 is the standard. While some older systems may accept variations, CHASUS33 works for the vast majority of international transfers to Chase accounts in the US. If a transfer is rejected, contact Chase to confirm you provided the correct code.

Frequently Asked Questions

Is CHASUS33 the same as CHASUS33XXX?

Yes, they refer to the same Chase bank. Some international banking systems add extra digits (XXX) automatically, but both codes route to Chase Bank USA. If you are asked which to use, provide CHASUS33 — the receiving bank's system will add the extra digits if needed.

Do I need a SWIFT code for a wire transfer within the US?

No. Domestic US wire transfers use only your routing number and account number. SWIFT codes are for international transfers only. If a US bank asks you for a SWIFT code for a domestic wire, you can safely ignore that request.

What if someone sends me money and it goes to the wrong account?

Contact Chase when ready with the sender's name, the amount, and the date the transfer was sent. Chase can trace the transfer and redirect it to your account if it went elsewhere. The sooner you report it, the faster Chase can locate and correct it.

Can I find my SWIFT code on my Chase debit card?

No. Your debit card shows your account number and routing number, but not your SWIFT code. You will find the SWIFT code in your online banking account under account details, or by calling Chase customer service.

What if my international wire transfer was rejected?

The most common reasons are a typo in the account number, an incorrect routing number, or providing an IBAN when the US account does not have one. Contact Chase with the rejection notice, and they can tell you exactly what information was wrong and how to correct it for a resubmission.