Chase Bank's SWIFT and BIC codes are the same 8-character identifier

Chase Bank's SWIFT code and BIC code are two names for the same thing. Both refer to the 8-character code CHASUS33, which identifies Chase as the receiving bank when you send or receive a wire transfer internationally. SWIFT stands for Society for Worldwide Interbank Financial Telecommunication; BIC stands for Bank Identifier Code. Financial institutions use these codes interchangeably.

The code CHASUS33 works for most Chase wire transfers into the United States. However, the last three characters can change depending on which Chase location or clearing house processes your transfer. Some transfers may route through CHASUS33XXX (where XXX represents additional location codes), though CHASUS33 alone is sufficient for most international wires into Chase accounts.

You will also need your Chase account number and the routing number for your specific branch. The routing number is a 9-digit code that identifies which Chase location holds your account. This differs from the SWIFT code and is required for domestic transfers; international transfers typically ask for the SWIFT code instead.

Key Takeaways

  • Chase Bank's SWIFT code is CHASUS33, and this is the same as its BIC code — both names refer to the identical 8-character identifier.
  • You will need your full Chase account number and your branch's routing number in addition to the SWIFT code to complete a wire transfer.
  • The SWIFT code CHASUS33 works for most international wires into Chase accounts in the United States, though some transfers may use location-specific variations.
  • You can find your routing number on the bottom left of your checks, through your Chase online banking portal, or by calling Chase customer service.

Where to find your Chase routing number

Your routing number appears on the bottom left corner of any check you have from your Chase account. It is the first set of nine digits printed in magnetic ink. If you do not have checks available, you can log into your Chase online banking account, navigate to your account details or account settings, and the routing number will be listed there.

You can also call Chase customer service at the number on the back of your debit or credit card and ask for your account's routing number. Have your account number ready when you call. Some Chase branches will also provide this information in person if you visit with your account information.

When to use SWIFT code versus routing number

Use the SWIFT code (CHASUS33) when sending money internationally into a Chase account. The receiving bank outside the United States will ask for the SWIFT code to route the transfer through the correct clearing house and identify Chase as the destination bank.

Use the routing number when sending money domestically within the United States, whether from another bank or from your own Chase account to another U.S. bank. Domestic wire transfers do not use SWIFT codes; they rely on the routing number system maintained by the Federal Reserve.

If you are receiving a wire transfer from outside the United States into your Chase account, provide the sender with your SWIFT code (CHASUS33), your account number, and your full name as it appears on your account. The sender's bank will use this information to route the transfer correctly.

Information you need to provide for an incoming international wire

When someone sends you money from outside the United States to your Chase account, they will need to give their bank the following details:

  • Chase Bank's SWIFT code: CHASUS33
  • Your full Chase account number
  • Your full name as registered on the account
  • The amount and currency being sent
  • The purpose of the transfer (some countries require this)

Some sending banks may also ask for your address or the address of your Chase branch. You can provide your personal address or contact Chase to confirm the address of the branch that holds your account. The more complete information you provide, the lower the risk that the transfer will be delayed or rejected.

What happens if you use the wrong code

If a SWIFT code is entered incorrectly, the sending bank's system may reject the transfer before it is sent, or the transfer may be routed to the wrong financial institution. In either case, the money does not reach your Chase account, and the sender's bank will typically hold the funds while they attempt to correct the routing or return the money to the sender.

If you receive a wire that was sent with an incorrect SWIFT code, contact Chase customer service when ready. Provide them with the sender's name, the amount, the date the transfer was initiated, and any reference number the sender received. Chase can investigate whether the funds arrived at another institution and work to recover them, though this process can take several weeks.

SWIFT codes for specific Chase locations

Most international wires into Chase use CHASUS33. However, some transfers may route through Chase's clearing houses or specific processing centers, which can add location codes to the end of the base SWIFT code. Common variations include CHASUS33CHI (Chicago), CHASUS33NYC (New York), and CHASUS33LAX (Los Angeles), though these are rarely required by the sending bank.

If a sending bank specifically asks for a location-based SWIFT code, contact Chase customer service and tell them which city or region the sender's bank is requesting. Chase can confirm whether a location-specific code is necessary for your transfer. In most cases, CHASUS33 alone is sufficient, and providing additional location codes is optional.

Frequently Asked Questions

Is CHASUS33 the same for all Chase accounts?

Yes, CHASUS33 is the standard SWIFT code for all Chase Bank accounts in the United States. The code identifies Chase as the receiving institution, not your individual account. Your account number is what directs the money to your specific account once it arrives at Chase.

Do I need both a SWIFT code and a routing number?

You need the routing number for domestic U.S. transfers and the SWIFT code for international transfers. They serve different purposes in different banking systems. For an international wire, you provide the SWIFT code; for a domestic wire, you provide the routing number.

What if the sender's bank asks for an IBAN?

An IBAN (International Bank Account Number) is used primarily in Europe and some other regions. Chase accounts in the United States do not have IBANs. If a sender's bank asks for an IBAN, tell them you have a U.S. Chase account and provide the SWIFT code and account number instead.

How long does an international wire take with the correct SWIFT code?

With the correct SWIFT code, an international wire typically arrives within one to three business days, depending on the sending bank's processing time and any intermediate banks involved. Some transfers clear faster; others may take longer if additional verification is required.

Can I send money out of Chase using CHASUS33?

No. CHASUS33 identifies Chase as the receiving bank. When you send money from your Chase account to another bank internationally, you provide that other bank's SWIFT code to your Chase banker, not Chase's code.