JPMorgan Chase SWIFT codes depend on which country and which division you're sending money to
JPMorgan Chase does not have a single SWIFT code. The bank operates in multiple countries and maintains separate codes for different divisions and locations. If you're sending money to a Chase account, you need the code for the specific Chase office or division that holds that account—not just "Chase" in general.
The most commonly used SWIFT code for JPMorgan Chase's U.S. operations is CHASUS33, which routes to their main banking center. However, if you're sending money internationally or to a specific Chase division, you may need a different code. The receiving bank or account holder should provide the correct code, because using the wrong one can delay your transfer or send it to the wrong place entirely.
Key Takeaways
- JPMorgan Chase's primary U.S. SWIFT code is CHASUS33, but the correct code depends on which Chase division or country location receives the funds.
- International transfers to Chase accounts outside the U.S. use different SWIFT codes, such as CHASGB2L for the UK or CHASUS33XXX for some U.S. wire routes.
- The account holder or their bank should provide the correct SWIFT code before you initiate a transfer, because using the wrong code can misdirect funds.
- SWIFT codes are eight or eleven characters long; the first four letters identify the bank, the next two identify the country, and the remaining characters identify the specific branch or division.
What a SWIFT code is and why it matters for your transfer
A SWIFT code is a standardized identifier that tells the global banking network which bank and which branch should receive your money during an international wire transfer. SWIFT stands for the Society for Worldwide Interbank Financial Telecommunication, the organization that assigns and maintains these codes.
When you send money across borders, your bank uses the SWIFT code to route the transfer through the correct intermediary banks and to the right final destination. If the code is wrong or incomplete, the transfer may be rejected, delayed, or sent to an unintended account. For this reason, you should always confirm the code with the person or organization receiving the money before you send anything.
CHASUS33 and when to use it
CHASUS33 is the SWIFT code for JPMorgan Chase Bank, N.A., and it is the code most commonly used for U.S. domestic and international transfers to Chase accounts in the United States. The breakdown is: CHAS (JPMorgan Chase), US (United States), and 33 (the main banking center code).
You would use CHASUS33 when sending money from outside the U.S. to a Chase account held by someone in America. However, some wire transfer systems or specific Chase divisions may require the eleven-character version: CHASUS33XXX. If you are unsure which version to use, ask the Chase account holder or call Chase directly.
SWIFT codes for Chase outside the United States
JPMorgan Chase operates in many countries and has different SWIFT codes for each major location. If you are sending money to a Chase account outside the U.S., you will need the code for that country's Chase office.
| Country | SWIFT Code | Use |
|---|---|---|
| United Kingdom | CHASGB2L | JPMorgan Chase Bank plc, London |
| Canada | CHASUS33 | Some Canadian transfers route through U.S. code |
| Hong Kong | CHASHKHH | JPMorgan Chase Bank, Hong Kong |
| Japan | CHASJPJT | JPMorgan Chase Bank, Tokyo |
| Australia | CHAUSUSBK | Some Australian transfers route through U.S. code |
This list covers common locations, but Chase has offices in dozens of countries. If the country you need is not listed here, contact the Chase account holder or the receiving bank to confirm the correct code. Using an outdated or incorrect code can result in a failed transfer or a significant delay.
How to find the right SWIFT code for a specific Chase account
The safest way to get the correct SWIFT code is to ask the person or business receiving the money. They should have their account details on file and can provide the exact code their bank requires. Many Chase customers can also find their SWIFT code by logging into their Chase online account or calling Chase customer service.
If you are sending money on behalf of a business, ask the accounts payable or finance department for the wire instructions. These instructions almost always include the SWIFT code, the account number, and any other routing information needed to complete the transfer correctly.
You can also search for a SWIFT code using the official SWIFT directory at swift.com, though you will need to know the exact Chase location or division. Avoid relying on third-party SWIFT code lookup sites, as they sometimes contain outdated or incorrect information.
What happens if you use the wrong SWIFT code
If you send a wire transfer with an incorrect SWIFT code, one of three things typically happens. The transfer may be rejected outright by the receiving bank, in which case the money returns to your account within a few business days. Alternatively, the transfer may be delayed while the banking network tries to match the code to the correct destination. In the worst case, the money reaches a different bank or account entirely.
If your transfer goes to the wrong place, contact your bank immediately and provide them with the transaction details, including the date, amount, and incorrect SWIFT code you used. Your bank can attempt to recall the transfer or trace it to the wrong recipient. However, recovery is not may provide, especially if the receiving bank has already released the funds. This is why confirming the code before you send is far easier than trying to recover money afterward.
Frequently Asked Questions
Is CHASUS33 the same as CHASUS33XXX?
They refer to the same JPMorgan Chase banking center, but some wire systems require the eight-character code and others require the eleven-character version. If one does not work, try the other. Your bank or the receiving Chase account holder can tell you which format their system accepts.
Do I need a SWIFT code to send money to a Chase account within the U.S.?
No. Domestic U.S. transfers use routing numbers and account numbers, not SWIFT codes. You only need a SWIFT code when sending money from outside the U.S. or when the receiving bank specifically requests it.
Can I use the same SWIFT code for all Chase accounts?
Not always. While CHASUS33 works for most U.S. Chase accounts, some divisions or international locations use different codes. Always confirm with the account holder or their bank before sending money.
What if Chase gives me a different SWIFT code than what I found online?
Use the code Chase provides. Bank codes change occasionally, and Chase's official information is always more current than a third-party website. If there is a discrepancy, call Chase directly to verify.
How long does a wire transfer take if I use the correct SWIFT code?
International wire transfers typically take one to three business days once the transfer is initiated, assuming the SWIFT code and all other details are correct. Delays can occur if the code is wrong, if intermediary banks are involved, or if the receiving bank needs additional information.