Bank of America's SWIFT code is BOFAUS3N

A SWIFT code is an eight- or eleven-character code that identifies a specific bank branch when you're sending or receiving money internationally. Think of it like a postal address for your bank — it tells the sending bank exactly where your money needs to go.

Bank of America's main SWIFT code is BOFAUS3N. The "BOFA" part identifies Bank of America, "US" means the United States, and "3N" identifies the main routing hub. This code works for most international transfers to Bank of America accounts in the United States.

However, Bank of America has multiple SWIFT codes depending on which service or location you're using. If you're sending money to a specific Bank of America branch or service line, you may need a different code. The safest approach is to ask your Bank of America representative or the person sending you money to confirm the exact code before the transfer happens.

Key Takeaways

  • Bank of America's primary SWIFT code is BOFAUS3N, which works for most international wire transfers to U.S. Bank of America accounts.
  • Different Bank of America divisions and services may have their own SWIFT codes, so confirm with your bank if you're unsure.
  • You'll need a SWIFT code when receiving money from outside the United States, but not for domestic transfers between U.S. banks.
  • Your Bank of America account statement or online banking portal may also display the SWIFT code associated with your specific account.

When you need a SWIFT code

You need a SWIFT code when someone outside the United States is sending you money directly to your Bank of America account. Domestic transfers between U.S. banks use a different system called a routing number, which is nine digits instead of eight or eleven characters.

International transfers can come from individuals, employers, or organizations in other countries. They might be sending a wire transfer, a bank-to-bank payment, or money through an international money transfer service. In all these cases, they'll ask you for your SWIFT code to route the money correctly.

How to find your Bank of America SWIFT code

The easiest way is to call Bank of America directly at the number on the back of your debit or credit card, or log into your online banking account and look for account details. Your statement may also list it.

If you're receiving money from someone else, you can give them the main code (BOFAUS3N) along with your account number and the routing number for your specific branch. The sending bank will use all three pieces of information to make sure the money reaches your account.

Some international money transfer services have their own lookup tools where you can enter "Bank of America" and your state, and they'll show you the correct code. These are usually accurate, but confirming directly with your bank removes any doubt.

SWIFT codes for specific Bank of America divisions

Bank of America operates several divisions that may have their own SWIFT codes. These include Bank of America's investment banking arm, its international offices, and specialized business services. If you're working with a Bank of America business account, a trust account, or an investment service, the SWIFT code may differ from the standard consumer code.

For example, if you're receiving money through Bank of America's institutional or commercial services, you may be given a different code. Always ask the person or organization sending the money which code they received from their bank, and confirm it matches what Bank of America gave you.

What information you'll need to give the sender

When someone is sending you money internationally, they'll typically ask for three pieces of information: your SWIFT code, your account number, and your routing number. Some senders may also ask for your full name and address to match their records.

Have this information ready before the sender initiates the transfer. Providing it correctly the first time prevents delays. If the sender's bank rejects the transfer because of a mismatch, the money may be returned to them, and you'll have to wait for them to try again.

How long international transfers take

Once the sender initiates an international wire transfer using your SWIFT code, the money typically arrives within one to three business days. Some transfers take longer depending on the sending country, the sending bank's processing speed, and whether there are any intermediate banks involved.

Bank of America will notify you when the money arrives, usually through your online account or by email. The funds may be available when ready, or there may be a brief hold depending on the amount and the sending country.

Frequently Asked Questions

Is BOFAUS3N the only SWIFT code Bank of America uses?

BOFAUS3N is the main code for most consumer and business accounts. Bank of America has additional codes for specific divisions, international branches, and specialized services. If you're unsure which code applies to your account, contact Bank of America directly.

Can I use a SWIFT code for a domestic transfer within the United States?

No. Domestic transfers between U.S. banks use routing numbers, not SWIFT codes. SWIFT codes are only for international transfers. If you're sending money to another U.S. bank account, you'll need the receiving bank's routing number instead.

What happens if I give the sender the wrong SWIFT code?

The transfer may be rejected by Bank of America or routed to the wrong institution. The sending bank will typically return the money to the sender, who can then resubmit with the correct code. This can delay your payment by several days.

Do I need to provide my SWIFT code if I'm sending money out of my Bank of America account?

No. You need the SWIFT code of the bank you're sending money to, not your own. Bank of America will ask you for the recipient's bank details, including their SWIFT code, when you initiate an outgoing international transfer.

Can I find my SWIFT code on my Bank of America debit card or statement?

Your debit card doesn't print the SWIFT code. Your statement may include it in the account details section, but not always. The most reliable sources are your online banking portal, a call to Bank of America customer service, or the bank's website.