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

A SWIFT code is a unique identifier that tells the banking system which bank is receiving your money. Chase's SWIFT code is CHASUS33 (or CHASUS33XXX with trailing zeros). An IBAN is an International Bank Account Number — a standardized format that includes your account number, routing information, and country code all in one string. The United States does not use IBANs for domestic transfers, but if you are sending money to or receiving it from outside the US, the receiving bank may ask for one or both of these codes.

Chase does not issue IBANs to US account holders because the US banking system does not require them. If a foreign bank asks you for an IBAN to receive a transfer into your Chase account, you can provide your account number and routing number instead — that is the US equivalent. However, if you are sending money out of Chase to a bank in Europe, the Middle East, Africa, or parts of Asia, you will need the recipient's IBAN and SWIFT code, not your own.

Key Takeaways

  • Chase's SWIFT code for wire transfers is CHASUS33, and you use it when sending money internationally or when a foreign bank needs to identify Chase.
  • The US does not use IBANs, so Chase does not issue them to US account holders; foreign banks will accept your US account number and routing number instead.
  • You need the recipient's IBAN and SWIFT code when sending money out of Chase to an international account, not your own codes.
  • Chase's routing number for wire transfers is 021000021, and this number combined with your account number serves the same purpose as an IBAN in the US system.

Chase's SWIFT code and what it means

Chase Bank's SWIFT code is CHASUS33. The first four letters (CHAS) identify Chase Bank. The next two letters (US) indicate the country — United States. The last two characters (33) identify the specific branch or processing center. When you see CHASUS33XXX in some documents, the three trailing X's are just padding and mean the same thing.

You use this code when a foreign bank needs to route money to your Chase account, or when you are sending money from Chase and the receiving bank asks which US bank you are sending from. Some wire transfer forms will have a field labeled "Originating Bank SWIFT Code" — that is where you enter CHASUS33. Different Chase branches do not have different SWIFT codes; all US Chase accounts use the same one.

Why the US does not use IBANs and what to provide instead

IBANs were created in Europe to standardize international payments across countries with different banking systems. The US has its own system: a nine-digit routing number and your account number. These two pieces of information do the same job as an IBAN does in other countries. When a foreign bank asks for your IBAN, you can respond with your routing number (021000021 for Chase wire transfers) and your account number instead.

If you want to write out your information in a format that looks like an IBAN, you can write it as: US + two check digits + routing number + account number. However, most foreign banks will accept the routing and account number separately, and that is simpler and less error-prone. Ask the foreign bank which format they prefer before you send anything.

How to find your Chase routing number and account number

Your Chase account number appears on the bottom right of your checks, after the routing number. You can also find both numbers by logging into Chase online banking, going to your account details, and looking for "Routing Number" and "Account Number" — they are usually listed together. If you have a Chase debit card, the account number is not printed on the card itself, so you will need to check online or call.

To find your information by phone, call the number on the back of your Chase debit card or check. A representative can read your routing number and account number to you over the phone. Write them down carefully, because a single digit wrong will send your money to the wrong place. If you are setting up a recurring international transfer, ask the foreign bank to confirm the numbers before processing the first payment.

When to use SWIFT codes versus routing numbers

Use a SWIFT code (CHASUS33) when you are sending money to Chase from a foreign bank, or when a foreign institution needs to identify which US bank they are sending to. Use your routing number (021000021) and account number when you are sending money out of Chase to a foreign account — the receiving bank will use those to credit your account at their end.

Some wire transfer platforms and money transfer services ask for both. If a form has separate fields for "SWIFT Code," "Routing Number," and "Account Number," fill in all three. If it only has room for one or two, prioritize the routing number and account number — those are the most reliable identifiers in the US system. If you are unsure which code a form is asking for, contact the receiving bank directly before sending money.

What happens if you provide the wrong code

If you give a foreign bank the wrong SWIFT code or routing number, the transfer may be rejected before it leaves Chase, or it may arrive at the wrong bank and be sent back. This process can take one to three weeks. If the money does arrive at the wrong account, the receiving bank has no obligation to return it — you would have to contact that bank and ask them to reverse the transfer, which they may refuse to do.

Always double-check the codes before confirming a transfer. If you are receiving money from abroad and the sender asks for your information, provide it in writing (email or a find message) rather than over the phone, so both of you have a record. If the transfer does not arrive within the expected timeframe, contact Chase and have the sender's bank contact information ready — Chase can trace the payment and may be able to recover it if it went to the wrong place.

Frequently Asked Questions

Do I need an IBAN to receive money from Europe into my Chase account?

No. European banks can send money to your Chase account using your US routing number (021000021) and account number. If the bank insists on an IBAN format, provide your routing number and account number separately and ask them to confirm they can process a US transfer. Chase does not issue IBANs because the US banking system does not use them.

Is CHASUS33 the same for all Chase accounts?

Yes. All personal and business Chase accounts in the US use the same SWIFT code: CHASUS33. The code identifies Chase Bank as the institution, not your specific branch or account. Your individual account is identified by your account number and routing number.

What if a foreign bank says they cannot find Chase with the SWIFT code I gave them?

Double-check that you provided CHASUS33 (not CHASUS or a different variation). If they still cannot find it, provide your routing number (021000021) and account number instead. Some smaller banks or money transfer services may not recognize SWIFT codes and will need the routing number. Contact Chase if the issue persists.

Can I use my Chase debit card number instead of my account number for a wire transfer?

No. Your debit card number is not the same as your account number, and using it will cause the transfer to fail or go to the wrong place. Always use your actual account number, which you can find in your online banking portal or by calling the number on the back of your card.

How long does an international wire transfer to Chase take?

Most international wires arrive within one to three business days, depending on the sending bank and any intermediate banks involved. Some transfers take longer if they pass through multiple banks or if there are time zone delays. Ask the sending bank for an expected delivery date when you provide them with your information.