Chase's SWIFT code is CHASUS33, used for most U.S. domestic and international wire transfers

SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. It is a standardized code that banks use to identify each other when money moves between institutions, especially across borders. Chase Bank's primary SWIFT code is CHASUS33. This code routes your wire transfer to Chase's main processing center in the United States.

You need a SWIFT code when you are sending money internationally or when someone outside the U.S. is sending money to your Chase account. Domestic wire transfers within the U.S. do not require a SWIFT code — they use a routing number instead. But if the money is crossing a border, the receiving bank needs the SWIFT code to know which Chase location to credit.

Chase has multiple SWIFT codes depending on which service or location handles your transfer. CHASUS33 is the one you will use most often for personal and business accounts. Some specialized services or older accounts may route through different codes, but Chase will tell you which one to provide if your situation is different.

Key Takeaways

  • Chase's main SWIFT code is CHASUS33, used for international wire transfers to most Chase accounts in the United States.
  • You only need a SWIFT code for international transfers; domestic U.S. wire transfers use a routing number instead.
  • The person or company sending you money from abroad will ask for your SWIFT code, your account number, and your name to complete the transfer.
  • If you are unsure whether you need a SWIFT code, contact Chase directly — they can confirm the right code for your specific account type.

When you need to provide a SWIFT code

You need a SWIFT code when someone outside the United States is sending you money. This includes transfers from individuals, employers, vendors, or financial institutions in other countries. The sender's bank uses the SWIFT code to route the payment through the international banking network to Chase, and then to your specific account.

You do not need a SWIFT code for money moving between U.S. banks or between accounts at the same bank. Domestic transfers use your Chase routing number (which varies by branch and account type) instead. If you are sending money out of the U.S., you will also need the receiving bank's SWIFT code, not your own.

What information to give someone sending you money internationally

When someone abroad wants to send you money, give them four pieces of information: your name exactly as it appears on your Chase account, your Chase account number, Chase's SWIFT code (CHASUS33), and your Chase routing number. Some senders may also ask for your address.

The sender's bank will use the SWIFT code to identify Chase and route the transfer through the international payment network. Your account number tells Chase which account within the bank should receive the money. Providing your name exactly as registered prevents the transfer from being rejected or delayed.

If the sender's bank asks for an IBAN (International Bank Account Number), tell them that U.S. banks do not use IBANs. Provide your account number instead. Some international banks will ask for a "reference" or "purpose" field — you can leave this blank or write a brief note about what the payment is for.

How long international transfers take with a SWIFT code

A SWIFT transfer typically arrives within one to five business days, depending on the sending bank, the receiving bank, and the countries involved. Chase usually receives the money within two to three business days of the sender initiating the transfer. Once Chase receives it, the funds appear in your account the same day or the next business day.

Delays can happen if the sending bank is slow to process, if the payment passes through multiple intermediary banks, or if there is a holiday in either country. Some countries' banking systems are slower than others. If a transfer does not arrive within a week, contact Chase with the sender's bank details and the transfer date — Chase can trace it through the SWIFT network.

Fees for incoming international transfers

Chase charges a fee for receiving international wire transfers, typically between $15 and $20 for most personal accounts, though this varies by account type. The sender may also pay a fee on their end. Some international transfers are subject to currency conversion if the money arrives in a currency other than U.S. dollars — Chase will convert it at their current rate and deduct a conversion fee.

Ask Chase about the exact fee for your account type before the transfer is sent. Some business accounts or premium checking accounts have different fee structures. The sender should also check with their bank about their outgoing wire fee, as that is separate from what Chase charges.

Other Chase SWIFT codes for specific situations

CHASUS33 works for the vast majority of transfers. However, Chase has other SWIFT codes for specific purposes: CHASUS33XXX (an extended version of the main code, sometimes used by international banks), CHASUS6S (for certain securities or investment transfers), and codes for specific Chase subsidiaries or international branches. You will rarely need these.

If someone tells you that you need a different SWIFT code, contact Chase directly before providing it. Scammers sometimes use fake or unusual SWIFT codes to misdirect transfers. Chase can confirm in seconds whether a code is legitimate for your account.

Frequently Asked Questions

Is CHASUS33 the same for all Chase accounts?

CHASUS33 is the standard code for most Chase personal and business accounts in the U.S. Some specialized accounts, investment accounts, or older accounts may route through different codes. Call Chase to confirm the right code for your specific account if you are unsure.

What if I give someone the wrong SWIFT code?

If the code is completely wrong, the transfer will be rejected and the money will return to the sender's bank within a few days. If the code is a valid Chase code but not the right one for your account, the transfer may be delayed or routed to the wrong department. Contact Chase immediately if this happens — they can redirect it.

Do I need a SWIFT code to send money out of my Chase account?

Yes, if you are sending money internationally, you will need the receiving bank's SWIFT code, not your own. You provide your own SWIFT code only when someone is sending money to you from abroad.

Can I find my SWIFT code in the Chase app or online banking?

CHASUS33 is the standard code and does not change by account. You do not need to look it up — you can simply provide CHASUS33 to anyone sending you money. If you want to verify it or need a different code for your account, call Chase customer service.

What if a transfer arrives but the amount is different than expected?

The difference is usually due to currency conversion fees or intermediary bank fees that were deducted along the way. The sender's bank should have disclosed these fees upfront. Contact Chase with the transfer details — they can show you exactly what fees were applied on their end.