What a SWIFT code is and why you need it

A SWIFT code is an eight- or eleven-character code that identifies your specific bank branch anywhere in the world. SWIFT stands for the Society for Worldwide Interbank Financial Telecommunication — the organization that runs the system banks use to send money across borders.

You need a SWIFT code when you're receiving money from outside the United States, or when you're sending money to someone in another country. Unlike a routing number (which works only within the U.S. banking system), a SWIFT code tells the sending bank exactly which bank and which branch should receive your money internationally.

The code itself breaks down into parts: the first four letters identify the bank, the next two identify the country, the next two identify the city, and the last three (if included) identify the specific branch. For example, a SWIFT code might look like CHASUS33NYC — which would tell you the bank, that it's in the United States, that it's in New York City, and which branch.

Key Takeaways

  • Your bank's SWIFT code is printed on statements from some banks, or you can call your bank's customer service line and ask for it directly.
  • The fastest way to find it is to search your bank's name plus "SWIFT code" on the bank's official website, usually in a section about international transfers.
  • SWIFT codes are eight or eleven characters long and always include your bank's name, country, and city — never ask for money to get one.
  • If you're receiving money, give the sender your bank's SWIFT code along with your account number and routing number.

Finding your SWIFT code on your bank statement or online account

Some banks print the SWIFT code directly on your monthly statement or in the account details section of your online banking portal. Log into your bank's website or app and look for a section labeled "Account Details," "International Transfers," or "Wire Transfer Information." The SWIFT code may be listed there alongside your routing number and account number.

If you don't see it in your account, check a recent paper statement — some banks include it in small print near the routing number. Not all banks display it prominently, so if you can't find it this way, move to the next step.

Calling your bank directly

The simplest way to get your SWIFT code is to call your bank's customer service number, which is on the back of your debit card or on your statement. Tell them you need your bank's SWIFT code for an international transfer. They will give it to you over the phone in under a minute.

Have your account number ready when you call, though most banks will give you the SWIFT code for your branch without needing it. If you're not sure which branch you use, tell the representative your branch location or the address where you opened your account.

Searching your bank's website

Go to your bank's official website and search for "SWIFT code" or "international wire transfer." Most banks have a page or section dedicated to sending and receiving international money, and the SWIFT code is usually listed there. Look for pages titled "Wire Transfer Instructions," "International Transfers," or "Send Money Abroad."

Be careful to use your bank's official website, not a third-party SWIFT code directory. While public SWIFT code databases exist online, they can sometimes list outdated or incorrect codes. Your bank's own website is always the most reliable source.

Using a SWIFT code directory as a backup

If you cannot reach your bank by phone and cannot find the code on their website, you can search a public SWIFT code directory like the one maintained by the International Organization for Standardization (ISO). Websites like swift.com or bankswiftcode.com let you search by bank name and location.

When you use a directory, search by your bank's full legal name and the city where your branch is located. The directory will return a list of codes — make sure you select the one that matches your specific branch, not just your bank's headquarters. If you're unsure which code is correct, call your bank to confirm before giving it to someone sending you money.

What to do if you're receiving money from abroad

When someone outside the United States wants to send you money, give them three pieces of information: your bank's SWIFT code, your account number, and your bank's routing number. Some banks also ask for your full name and address as it appears on your account.

The sender will enter your SWIFT code into their bank's international transfer system. Their bank uses it to route the money to your specific bank and branch, then your routing number directs it to your individual account. The transfer usually takes three to five business days, though it can take longer depending on the sending country and the banks involved.

Understanding the difference between SWIFT codes and routing numbers

A routing number identifies your bank within the United States only — it's a nine-digit code used for domestic transfers, direct deposits, and bill payments. A SWIFT code does the same job internationally, identifying your bank to the global financial system.

You need a routing number for transfers within the U.S. and a SWIFT code for transfers from outside the U.S. Some international transfers also ask for both — the SWIFT code tells the foreign bank where to send the money globally, and the routing number tells your U.S. bank where to deposit it once it arrives. If you're unsure which one you need, ask the person sending you money or call your bank.

Frequently Asked Questions

Is there a charge to find out my SWIFT code?

No. Your bank will give you your SWIFT code for free over the phone or through their website. If anyone asks you to pay money to get a SWIFT code, that is a scam. SWIFT codes are public information that banks provide at no cost.

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

Usually yes, but it depends on your bank. Most banks use one SWIFT code per branch, so all accounts at that branch share the same code. However, some larger banks assign different codes to different account types or departments. If you have multiple accounts, ask your bank whether they all use the same SWIFT code or if each one is different.

What if the person sending me money says they need my SWIFT code but I don't have a bank account yet?

You need to open a bank account first. Once you have an account and a routing number, you can get your SWIFT code from your bank. The sender cannot complete an international transfer without knowing which bank and branch to send the money to.

Do credit unions have SWIFT codes?

Yes. Credit unions participate in the SWIFT system just like banks do. Call your credit union's member services line or check their website the same way you would with a bank. The process is identical.

Can I receive an international transfer without giving out my SWIFT code?

Not usually. The sender's bank needs your SWIFT code to route the money to the correct bank and country. Without it, the transfer cannot be completed. Some banks may ask for additional information like your full name and address, but the SWIFT code is the essential piece.