A SWIFT code is an 8 or 11-character identifier that banks use to route international wire transfers

When you send money internationally, your bank needs to know which bank to send it to and where that bank is located. A SWIFT code (also called a BIC code) is the standardized way banks identify each other across borders. Chase uses SWIFT codes for all incoming international wires, and you will need the correct code to send money into a Chase account from outside the United States.

The code itself is structured: the first four letters identify the bank (Chase, in this case), the next two letters are the country code (US for the United States), the next two letters identify the city or region, and the last three characters (if present) identify the specific branch. Chase's main SWIFT code for most U.S. locations is CHASUS33, but some branches have their own codes depending on the state or the type of account.

You will see SWIFT codes requested on international wire forms, in banking apps, and on invoices when someone outside the U.S. is paying you. Without the correct code, the wire may be delayed, sent to the wrong bank, or rejected entirely.

Key Takeaways

  • Chase's primary SWIFT code for U.S. locations is CHASUS33, but some branches and account types have different codes.
  • You need a SWIFT code when receiving an international wire transfer into a Chase account, not when sending money out.
  • The code is eight or eleven characters long and identifies both the bank and the specific location or branch.
  • You can find your branch's SWIFT code on your Chase statements, through online banking, or by calling Chase directly.
  • Using the wrong SWIFT code can delay a transfer or cause it to be rejected, so verify the code before giving it to someone sending you money.

When you need to provide a SWIFT code

You need a SWIFT code when someone outside the United States is sending you money via international wire transfer. This includes payments from employers abroad, family members in other countries, international clients, or vendors paying invoices. The person or company sending the money will ask you for your bank's SWIFT code so their bank knows where to route the transfer.

You do not need a SWIFT code when you are sending money out of the U.S. to another country. In that case, you will need the recipient's bank's SWIFT code instead. If you are transferring money between two Chase accounts within the U.S., SWIFT codes are not used at all—domestic transfers use routing numbers instead.

How to find Chase's SWIFT code for your account

The easiest way to find your SWIFT code is to log into Chase online banking or the Chase mobile app. Look for your account details or statements section; many banks display the SWIFT code alongside your account number and routing number. You can also call Chase customer service at the number on the back of your debit or credit card and ask for the SWIFT code associated with your specific account or branch.

If you need it quickly, you can also check your most recent Chase bank statement—many statements print the SWIFT code in the account information section. For international wire instructions, Chase also publishes SWIFT codes on their website under the international wire transfer section, though you may need to know your branch location to find the exact code.

When you provide the code to someone sending you money, double-check that you have given them the correct one. A single wrong digit can send the transfer to a different bank or branch, causing delays of several days while the money is traced and rerouted.

The difference between SWIFT codes and routing numbers

A routing number is a nine-digit code used only for domestic transfers within the United States. A SWIFT code is used for international transfers and is recognized by banks worldwide. Chase has one routing number for most domestic transfers (though some branches have their own), but may have multiple SWIFT codes depending on the location and type of account.

If you are receiving money from outside the U.S., you need the SWIFT code. If the money is coming from another U.S. bank, you need the routing number. Some wire transfer forms ask for both, so it is useful to have both numbers on hand. Your Chase statement or online banking will show both.

What happens if you give the wrong SWIFT code

If the sender uses an incorrect SWIFT code, the transfer may be rejected by the receiving bank, returned to the sender's bank, or sent to a different financial institution entirely. In any of these cases, the money does not reach your account, and the sender will need to initiate a new transfer with the correct code. The process of tracing and recovering a misdirected wire can take five to ten business days.

To avoid this, verify the SWIFT code before you give it to anyone. If you are unsure whether the code is correct, contact Chase directly or check your account information in online banking. It takes only a few minutes to confirm, and it prevents the frustration and delay of a failed transfer.

SWIFT codes for specific Chase locations

Chase's main SWIFT code is CHASUS33, which works for most U.S. locations and accounts. However, some branches and account types may have their own codes. For example, Chase Private Client accounts, business accounts, or branches in specific states may use different codes. If you have a specialized account type or are unsure which code applies to you, ask Chase directly—they can tell you the exact code for your account in seconds.

When someone is sending you money internationally, give them the SWIFT code that corresponds to the branch or account type where the money will land. If you have multiple Chase accounts in different locations, each may have its own code. Check your statements or online banking to confirm which code belongs to which account.

Frequently Asked Questions

Can I use the same SWIFT code for all my Chase accounts?

Not always. If all your accounts are at the same branch, they likely share the same SWIFT code. If you have accounts at different Chase branches or different account types, they may have different codes. Check each account's details in online banking or call Chase to confirm which code applies to each account.

What if someone sends me money using the wrong SWIFT code?

The transfer will likely be rejected or sent to a different bank. The sender's bank will usually return the money to them within five to ten business days. Once it is returned, the sender can initiate a new transfer with the correct code. You can help by providing the correct code as soon as you realize the mistake.

Do I need a SWIFT code to receive a domestic wire transfer from another U.S. bank?

No. Domestic transfers use routing numbers, not SWIFT codes. You will need your Chase routing number and account number, but not your SWIFT code. SWIFT codes are only for international transfers.

Is CHASUS33 the SWIFT code for every Chase branch?

CHASUS33 is Chase's primary SWIFT code and works for most U.S. locations. Some specialized accounts or branches may have different codes. If you are unsure, check your account details in online banking or call Chase to confirm the code for your specific account.

How long does an international wire transfer take if I provide the correct SWIFT code?

International wires typically take one to three business days once the sender's bank processes the transfer. The exact timeline depends on the sender's bank, any intermediary banks involved, and the time of day the transfer is sent. Providing the correct SWIFT code ensures the transfer reaches Chase without delays or rerouting.