A Chase SWIFT code is an eight- or eleven-character identifier that tells the banking system which Chase branch or office will receive your international wire transfer.

When you send money outside the United States, your bank needs to know not just which bank receives it, but which specific location within that bank. A SWIFT code (also called a BIC code) does that job. Chase's main SWIFT code is CHASUS33, but depending on which Chase branch or service handles your transfer, you might use a different one.

The code breaks down into parts: the first four letters identify Chase Bank, the next two letters are the country code (US), and the last two or three characters pinpoint the location or service. You will need this code when you are the one sending money out, or when someone outside the US is sending money to your Chase account.

Key Takeaways

  • Chase's primary SWIFT code is CHASUS33, used for most international wire transfers to Chase accounts in the United States.
  • Different Chase locations and services may have their own SWIFT codes, so confirm the exact code with your branch or the sender before wiring money.
  • You need a SWIFT code when sending money internationally, and the receiving bank needs it when someone sends money to you from abroad.
  • SWIFT codes are different from routing numbers; routing numbers are for domestic US transfers, while SWIFT codes are for international ones.

When You Need to Provide Your Chase SWIFT Code

If someone outside the United States is sending you money to your Chase account, they will ask for your SWIFT code. This happens most often with international business payments, family transfers from abroad, or payments from foreign employers or clients.

You should also have your SWIFT code ready if you are setting up a recurring international transfer or if a foreign bank is depositing funds on your behalf. The sender's bank will use this code to route the money to the correct Chase location.

How to Find Your Specific Chase SWIFT Code

Start by calling your Chase branch directly. Tell them you need the SWIFT code for receiving an international wire transfer to your account. They will give you the code that applies to your specific branch or account type.

You can also log into Chase online banking, go to your account details, and look for wire transfer information. Some account statements include the SWIFT code in the wire instructions section. If you cannot find it there, the Chase website has a SWIFT code lookup tool, or you can visit a branch in person with your account number and ID.

Do not assume CHASUS33 is always correct for your situation. Some Chase business accounts, money market accounts, or accounts tied to specific branches use different codes. Confirming with Chase takes five minutes and prevents your transfer from being delayed or sent to the wrong place.

SWIFT Codes vs. Routing Numbers

A routing number is a nine-digit code used only for transfers within the United States. It tells US banks how to move money between domestic accounts. A SWIFT code does the same job for international transfers, but it works across the global banking network.

You will use your routing number when setting up direct deposit from a US employer, paying bills to US companies, or transferring money between US bank accounts. You will use your SWIFT code when money is coming from or going to a bank outside the United States. Some transfers may require both codes — your routing number for the US portion and the SWIFT code for the international portion.

What Happens If You Provide the Wrong SWIFT Code

If the sender uses an incorrect SWIFT code, the transfer may be delayed while the banking system tries to figure out where the money should go. In some cases, the receiving bank will reject the transfer and send it back to the sender, which can take one to two weeks.

The sender's bank may also charge a fee to reverse or reroute the transfer. To avoid this, always double-check the SWIFT code with your Chase branch before giving it to someone sending you money. If a transfer has already been sent to the wrong code, contact Chase when ready with the transfer details so they can try to intercept it.

Using SWIFT Codes When You Send Money from Chase

When you initiate an international wire transfer from your Chase account, you will need to provide the recipient's bank SWIFT code along with their account number and full name. Chase will ask for this information either online, by phone, or at a branch.

You can find the recipient's SWIFT code by asking them directly, checking their bank's website, or using an international SWIFT code directory. Make sure you have the correct code for their specific bank and country before you confirm the transfer. Once the money leaves Chase, it is much harder to stop or redirect.

Frequently Asked Questions

Is CHASUS33 the SWIFT code for all Chase accounts?

CHASUS33 is Chase's primary SWIFT code and works for most accounts, but some branches, business accounts, or specialized services use different codes. Always confirm with your Chase branch to be certain, especially if you are receiving a large transfer or if the sender mentions their bank rejected the code.

Do I need a SWIFT code for transfers between two Chase accounts?

No. If both accounts are at Chase in the United States, you only need the recipient's account number and routing number. SWIFT codes are only for transfers that cross international borders.

Can I look up someone else's SWIFT code without asking them?

Yes. You can search for a bank's SWIFT code using online directories or the bank's website if you know their bank name and country. However, it is still safer to ask the person sending or receiving money to confirm the code, since some large banks have multiple codes for different branches or services.

How long does an international wire transfer take with a SWIFT code?

Most SWIFT transfers take one to three business days, though some may take longer depending on the receiving country and whether the banks need to verify additional details. The speed also depends on whether the transfer goes directly between banks or through intermediary banks.

What if my Chase account does not have a SWIFT code?

All Chase accounts that can receive international transfers have a SWIFT code. If you cannot find yours, contact Chase directly. They will provide the code or explain if your account type has restrictions on receiving international wires.