Chase's SWIFT code is CHASUS33, but the full code you need depends on which Chase branch handles your transfer

Chase Bank's primary SWIFT code is CHASUS33. This code routes international wire transfers to Chase's main processing center in the United States. However, Chase operates multiple branches and processing locations, and some transfers may require a different code depending on the state where your account is held or where the receiving bank prefers to route the payment.

The SWIFT code alone is not enough to send money out of Chase. You will also need the recipient's bank name, account number, and their bank's SWIFT code. If you are receiving money into a Chase account from abroad, you provide your Chase SWIFT code (CHASUS33) along with your account number to the sender or their bank.

Before you initiate a wire transfer, contact Chase directly to confirm which code applies to your specific account and transfer direction. Chase customer service can tell you whether CHASUS33 is correct for your situation or whether a branch-specific code is required.

Key Takeaways

  • Chase's standard SWIFT code for international transfers is CHASUS33, which routes to Chase's main U.S. processing center.
  • Some Chase accounts or transfers may require a different SWIFT code depending on the branch location or receiving bank requirements.
  • You need the recipient's full banking details (bank name, account number, and their SWIFT code) in addition to Chase's SWIFT code to send an outgoing wire.
  • Calling Chase before you wire money confirms which code to use and reduces the risk of delays or rejected transfers.

What a SWIFT code does and why Chase has one

SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. A SWIFT code is a standardized identifier that tells the global banking network which bank should receive or process a wire transfer. Without it, international banks cannot route money accurately.

Chase, as one of the largest banks in the United States, participates in the SWIFT network. When you send money internationally from Chase or receive money into Chase from abroad, the SWIFT code ensures the transfer reaches the correct Chase location and account. The code is not optional for most international wires—banks require it.

How CHASUS33 breaks down

SWIFT codes follow a standard eight or eleven-character format. CHASUS33 is an eight-character code that breaks down as follows:

  • CHAS = Chase Bank's bank code.
  • US = United States, the country where Chase is headquartered.
  • 33 = The location code for Chase's main processing center.

The eleven-character version of a SWIFT code includes a three-character branch code at the end. Some Chase branches or specific processing routes may have their own extended codes. This is why calling Chase to confirm the exact code for your transfer is important—the branch handling your account might use a different identifier.

When you need Chase's SWIFT code

You provide Chase's SWIFT code (CHASUS33 or a branch-specific variant) when you are receiving money from outside the United States into your Chase account. The sender's bank uses this code to route the incoming wire to Chase and then to your account.

You also reference Chase's SWIFT code when you are sending money from Chase to another country, because Chase's bank needs to identify itself to the receiving bank's system. However, when you send money out, you will primarily use the recipient's bank SWIFT code, not Chase's.

If you are wiring money between two Chase accounts within the United States, you do not need a SWIFT code at all. Domestic U.S. wire transfers use a different routing system called the ABA routing number.

How to find the right SWIFT code for your Chase transfer

Start by contacting Chase directly through their customer service line, online chat, or by visiting a branch in person. Tell them whether you are sending money out or receiving money in, and provide the country or bank involved. Chase can confirm whether CHASUS33 is the correct code or whether your specific account requires a different one.

You can also search Chase's official website for SWIFT code information, though the site may only list the primary code. If you are receiving money, ask the sender or their bank to confirm they have the correct Chase SWIFT code before they initiate the transfer. Miscommunication about the code is a common reason transfers are delayed or sent to the wrong location.

Do not rely on third-party websites alone to verify SWIFT codes. While some financial reference sites maintain SWIFT code databases, the information can be outdated or incomplete. Chase's own customer service is the most reliable source.

SWIFT codes versus other routing identifiers

The United States has multiple routing systems, and it is straightforward to confuse them. The ABA routing number is used for domestic wire transfers within the U.S. and is nine digits long. The SWIFT code is used for international transfers and is eight or eleven characters. The IBAN (International Bank Account Number) is used in Europe and some other regions and includes the country code and account details in one number.

Chase accounts have an ABA routing number but do not have an IBAN, because IBANs are not used in the United States. If you are sending money to a European bank account, you will need the recipient's IBAN, not their SWIFT code (though some banks accept both). If you are sending money to a bank outside Europe, you will typically need their SWIFT code.

Common mistakes when using Chase's SWIFT code

One frequent error is providing Chase's SWIFT code when sending money out of Chase instead of providing the recipient bank's SWIFT code. When you initiate an outgoing wire, you tell Chase where the money should go by providing the recipient's bank details, including their SWIFT code. Chase already knows its own code.

Another mistake is using an outdated or incorrect SWIFT code. If a transfer is rejected or delayed, the code is often the reason. Always confirm the code with Chase before wiring money, especially if you have not sent to that country or bank before.

Some people also confuse the SWIFT code with the account number. These are completely separate. The SWIFT code identifies the bank; the account number identifies your specific account within that bank. You need both for an international transfer.

Frequently Asked Questions

Is CHASUS33 the only SWIFT code Chase uses?

CHASUS33 is Chase's primary SWIFT code, but some branches or specific transfer routes may use a different code. Contact Chase to confirm which code applies to your account and the direction of your transfer (sending or receiving).

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

No. If both accounts are at Chase in the United States, you use Chase's ABA routing number, not a SWIFT code. SWIFT codes are only for international transfers. Domestic transfers use the nine-digit ABA routing number.

What happens if I use the wrong SWIFT code?

The transfer may be rejected by the receiving bank, delayed while the bank tries to locate the correct recipient, or sent to the wrong bank entirely. If this happens, contact Chase when ready to stop the transfer if possible or to trace where the money went.

Can I receive money into Chase using CHASUS33?

Yes. When someone outside the U.S. sends you money, they use CHASUS33 (or a branch-specific code if Chase directs them to one) along with your Chase account number to route the transfer to your account.

Where do I find my Chase ABA routing number if I need it for a domestic wire?

Your Chase ABA routing number appears on the bottom left of your checks, in your Chase online banking portal, or by calling Chase customer service. It is different from your SWIFT code and is used only for transfers within the United States.