Chase's SWIFT code is CHASUS33, used when you receive money from outside the United States

SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. It is a standardized code that banks use to identify each other during international wire transfers. Chase Bank's SWIFT code is CHASUS33. You need this code when someone outside the US sends you money to your Chase account, or when you send money internationally and the receiving bank asks for your bank's SWIFT code.

The code itself breaks down into parts: CHAS is Chase's bank code, US identifies the United States, and 33 is a branch identifier. Different Chase branches may have slightly different codes depending on the location and type of account, but CHASUS33 is the primary code that works for most Chase accounts receiving international transfers.

SWIFT codes are different from routing numbers. A routing number is a nine-digit code used only within the US banking system for domestic transfers. A SWIFT code is used internationally and is always eight or eleven characters long. If you are sending money out of the US or receiving it from abroad, you will need the SWIFT code. For domestic transfers within the US, you only need the routing number.

Key Takeaways

  • Chase Bank's SWIFT code is CHASUS33, and you need it when receiving international wire transfers or sending money abroad.
  • SWIFT codes identify banks across international borders, while routing numbers work only for transfers within the United States.
  • The code CHASUS33 works for most Chase accounts, though some specific branch locations may have alternative codes.
  • When receiving an international transfer, provide your Chase account number, routing number, and SWIFT code to the sender's bank.

When you need to provide Chase's SWIFT code

You need to give out CHASUS33 when a person or business outside the US is sending you money. This includes family members abroad, international employers, clients in other countries, or foreign vendors paying you. The sender's bank will ask for your bank's SWIFT code as part of the wire transfer setup. Without it, the transfer may be delayed or rejected.

You also need to know Chase's SWIFT code if you are sending money internationally and the receiving bank asks for your originating bank's information. Some international payment platforms and money transfer services require this information to process the outgoing transfer correctly.

For domestic transfers—money moving between US banks only—you do not need a SWIFT code. Use your Chase routing number instead, which is 021000021 for most Chase accounts. The routing number appears on the bottom left of your checks.

What information to give when receiving an international transfer

When someone is sending you money from abroad, they will need three pieces of information from you: your Chase account number, your routing number, and Chase's SWIFT code. Some banks also ask for your full name and address to match against the account.

Provide this information in this order to avoid confusion: your full name as it appears on the account, your Chase account number (usually 10 to 12 digits), the routing number 021000021, and the SWIFT code CHASUS33. Write it clearly or send it in a secure message rather than over an unsecured email or text, since this information can be used to access your account.

The sender's bank will use the SWIFT code to route the transfer through the international banking network to Chase, then use your account number to deposit the funds into your specific account. The entire process typically takes three to five business days, though some transfers take longer depending on the sending country and intermediate banks involved.

How international wire transfers work with SWIFT codes

When money moves internationally, it does not travel directly from one bank to another. Instead, it passes through a network of correspondent banks that have relationships with each other. The SWIFT code tells each bank in the chain where the money is ultimately headed.

Here is the basic flow: the sender's bank in Country A looks up Chase's SWIFT code (CHASUS33) to identify the destination bank. The sender's bank then sends a message through the SWIFT network describing the transfer. This message travels through one or more intermediate banks, each using the SWIFT code to route it correctly. When the message reaches Chase, Chase uses your account number to deposit the funds into your account.

This process is why international transfers take longer than domestic ones. Each bank in the chain must verify the information, check for fraud, and confirm the transfer before passing it along. If any bank in the chain cannot verify the information or suspects fraud, the transfer can be held or rejected, and the money returns to the sender.

Alternative SWIFT codes for specific Chase locations

CHASUS33 is the main SWIFT code for Chase and works for the vast majority of accounts and transfers. However, Chase has multiple locations and business divisions, and some specific branches or services may use slightly different codes.

For example, Chase's New York office may have CHASUS33NYB, and other regional offices may have their own variations. If you are receiving a transfer and the sender's bank tells you that CHASUS33 does not work, contact Chase directly to ask for the specific SWIFT code for your branch or account type. In most cases, the main code will work, but having the alternative ready prevents delays.

You can find your specific branch's SWIFT code by calling Chase customer service at 1-800-935-9935 or by visiting a local Chase branch. Have your account number ready when you call.

What happens if you give the wrong SWIFT code

If the sender uses an incorrect SWIFT code, the transfer may be rejected by the banking network before it reaches Chase. The sender's bank will usually return the money to the sender's account within five to ten business days, though the exact timeline depends on the sending bank and any intermediate banks involved.

If the transfer somehow reaches a different bank by mistake, that bank will reject it and send it back. You will not receive the money, and the sender will have to initiate the transfer again with the correct code. This is why it is important to double-check the SWIFT code before the sender submits the transfer.

If you suspect a transfer was sent to the wrong bank or has been lost, contact Chase immediately. Provide the sender's name, the amount, the date the transfer was supposed to arrive, and the sender's bank information. Chase can investigate and may be able to trace the transfer through the banking network, though recovery is not always possible.

Frequently Asked Questions

Is CHASUS33 the same for all Chase accounts?

CHASUS33 works for most Chase accounts, including personal checking and savings accounts, business accounts, and money market accounts. Some specialized accounts or specific branch locations may have different codes, but the main code covers the vast majority of transfers. If you are unsure, contact Chase to confirm the code for your specific account type.

Can I use my routing number instead of a SWIFT code for international transfers?

No. Routing numbers only work within the US banking system. International banks do not recognize US routing numbers. You must provide the SWIFT code for international transfers. The sender's bank will specifically ask for the SWIFT code, not the routing number.

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

Most international transfers arrive within three to five business days after the sender initiates the transfer. Some transfers take longer depending on the sending country, the banks involved, and whether the transfer requires additional verification or fraud checks. Weekend and holiday delays may also apply.

Do I need to do anything special to receive an international transfer at Chase?

No. Your Chase account is set up to receive international transfers automatically. You just need to provide the sender with your account number, routing number, and SWIFT code. The money will arrive in your account without any action needed on your part once the transfer clears.

What if the sender's bank says CHASUS33 is not valid?

This is rare, but it can happen if the sender's bank uses an outdated database or if your account requires a branch-specific code. Contact Chase customer service and provide your account number and branch location. Chase can give you the exact SWIFT code that works for your account and branch.