How to Find Bank of America's SWIFT Code for Wire Transfers

Bank of America's SWIFT code is BOFAUS3N

Bank of America's SWIFT code is BOFAUS3N. This code identifies Bank of America to banks outside the United States when you send or receive an international wire transfer. You will need this code when sending money to a Bank of America account from another country, or when someone abroad is sending money to your Bank of America account.

The code breaks down as follows: BOFA is the bank identifier, US identifies the country, and 3N is the branch code for Bank of America's main U.S. operations. Because Bank of America is a large institution with many branches, this single SWIFT code works for wire transfers to any of its U.S. accounts, regardless of which physical branch holds your account.

You do not need to memorize or look up this code every time you wire money. Your bank's wire transfer form or online platform will either ask you to enter it or will fill it in automatically once you select Bank of America as the receiving bank.

Key Takeaways

Bank of America's SWIFT code for international wire transfers is BOFAUS3N.
The code works for wire transfers to any Bank of America account in the United States, not just specific branches.
You provide this code to the sending bank or enter it into your bank's wire transfer form when receiving money from abroad.
Bank of America may also ask for your account number and routing number, which are different from the SWIFT code.
Some wire transfer forms ask for an 8-character SWIFT code (BOFA US3N without the final digit), which also works.

When you need Bank of America's SWIFT code

You need this code when receiving an international wire transfer into a Bank of America account. The person or business sending the money must provide it to their bank so the funds route correctly to your account. If you are sending money out of Bank of America to an account outside the United States, you will need the SWIFT code of the receiving bank instead, not Bank of America's code.

International wire transfers require more routing information than domestic transfers because the money passes through multiple banks and banking networks. The SWIFT code tells each bank in the chain which institution is the final destination. Without it, the transfer may be delayed or sent to the wrong account.

SWIFT code versus routing number and account number

Bank of America's SWIFT code (BOFAUS3N) is not the same as your routing number or account number, and you may need all three pieces of information for an international wire.

Your routing number is a nine-digit code that identifies your specific Bank of America branch within the U.S. banking system. It is used for domestic transfers only. Your account number is unique to your individual account and is used for both domestic and international transfers. The SWIFT code identifies Bank of America to international banking networks.

When someone sends you an international wire, they will typically need to provide their bank with: the SWIFT code (BOFAUS3N), your Bank of America account number, and sometimes your name and address. Some banks also ask for the routing number even on international transfers, though it is not strictly necessary.

How to provide your information to someone sending you money

If you are receiving an international wire transfer, give the sender this information in writing: Bank of America's SWIFT code (BOFAUS3N), your full account number, your full name as it appears on your account, and your address. You can find your account number on your debit card, in your online banking portal, or on a recent bank statement.

Ask the sender to confirm they have entered the information correctly before they submit the transfer. International wires are difficult to reverse if the information is wrong, and the money may end up in another account or be returned after a delay of several weeks.

Some senders may ask whether they need the 8-character or 11-character version of the code. Both BOFA US3N (8 characters) and BOFAUS3N (11 characters) work for Bank of America. The 11-character version is more precise, but most banks accept either one.

Where to find Bank of America's SWIFT code if you forget it

You can find Bank of America's SWIFT code on the bank's official website under the international wire transfer or SWIFT code section. Log into your Bank of America online account and look for wire transfer information, which often includes the SWIFT code. You can also call Bank of America's customer service line and ask them to confirm the code.

Do not rely on SWIFT code directories or third-party websites unless you verify the code against Bank of America's official source. Scammers sometimes post incorrect codes to redirect wire transfers to fraudulent accounts. When in doubt, call Bank of America directly.

International wire transfer timing and fees

International wire transfers to Bank of America typically arrive within one to three business days, though timing depends on the sending bank, the receiving bank, and the countries involved. Bank of America charges a fee to receive international wire transfers; the amount varies depending on whether the transfer comes through the SWIFT network or another international banking system. Check your Bank of America account terms or call customer service to learn the current fee.

The sending bank may also charge a fee, and some banks deduct fees from the amount received, meaning you get less money than was sent. Ask the sender to confirm the total amount you will receive after all fees.

Frequently Asked Questions

Is BOFAUS3N the only SWIFT code Bank of America uses?

BOFAUS3N is the main SWIFT code for Bank of America's U.S. operations and works for wire transfers to any Bank of America account in the country. Bank of America may have additional codes for specific divisions or services, but BOFAUS3N is the code you need for standard international wire transfers to a personal or business checking or savings account.

What happens if I give someone the wrong SWIFT code?

If the SWIFT code is incorrect, the sending bank may reject the transfer, or the money may be routed to a different bank or account. International wires are hard to reverse. If this happens, contact Bank of America when ready and provide them with the sender's bank details so they can try to recover the funds. The process can take weeks.

Do I need the SWIFT code if someone is sending me money from Canada or Mexico?

Yes, you still need Bank of America's SWIFT code for international transfers from Canada, Mexico, or any country outside the United States. Some banks in neighboring countries may ask for the routing number instead, but providing the SWIFT code is more reliable for international transfers.

Can I use the SWIFT code to send money out of my Bank of America account?

No. When you send an international wire from Bank of America, you provide the receiving bank's SWIFT code to Bank of America, not your own. Bank of America already knows its own routing information. You need the SWIFT code of the bank where the money is going.

Does Bank of America charge to receive a wire transfer with this SWIFT code?

Yes, Bank of America charges a fee to receive international wire transfers. The fee amount varies and may be deducted from the amount you receive. Contact Bank of America or check your account terms to learn the current fee for incoming international wires.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.