Chase's SWIFT code is CHASUS33, and you use it to receive money from outside the United States

A SWIFT code is a standardized set of letters and numbers that identifies a specific bank worldwide. Think of it like a postal address for your bank — it tells the sending bank exactly where to route international money. Chase's main SWIFT code is CHASUS33. The first four letters identify Chase, the next two (US) identify the country, and the last two (33) identify the specific branch or processing center.

You need a SWIFT code when someone outside the United States wants to send you money directly into your Chase account. Your employer abroad, a family member in another country, or a client paying you internationally will ask for it. Without the correct code, the money either arrives slowly, gets rejected, or lands in the wrong account.

Chase also uses different SWIFT codes for specific purposes and locations. If you're receiving money for a wire transfer, Chase will tell you which code to give the sender — it depends on which Chase branch holds your account and what type of transfer is happening. Always ask your Chase branch or check your account documents rather than guessing, because using the wrong code can delay your money by days or weeks.

Key Takeaways

  • Chase's primary SWIFT code is CHASUS33, used for most international wire transfers into Chase accounts in the United States.
  • You provide your SWIFT code to someone sending you money from outside the US, not when you send money abroad.
  • Different Chase locations and transfer types may have different SWIFT codes, so confirm with your branch before giving out the code.
  • A SWIFT code is required for international wires but not for domestic transfers within the United States.
  • Your account number and routing number are separate from your SWIFT code and are used for different types of transfers.

When you actually need to provide your SWIFT code

You need your SWIFT code only when money is coming into your account from another country. If you're receiving a wire transfer from Canada, the United Kingdom, Australia, or anywhere else outside the US, the sender's bank will ask for your SWIFT code along with your account number.

You do not need a SWIFT code for domestic transfers — money moving between US banks uses routing numbers instead. You also don't need it if you're the one sending money abroad; in that case, you provide the recipient's SWIFT code to your Chase branch.

Common situations where you'll provide your SWIFT code include receiving salary from a foreign employer, getting paid by international clients, receiving inheritance or gifts from relatives abroad, or collecting money from overseas business partners.

How CHASUS33 differs from other Chase codes

CHASUS33 is Chase's primary code for most incoming international transfers. However, Chase operates multiple processing centers and branches, and some international transfers may route through different codes depending on the sending bank's agreements and the type of transfer.

If you're unsure which code to give, contact your local Chase branch directly. They can tell you the exact code for your specific account and situation. Some branches may provide a code specific to their location, while others will direct you to use CHASUS33. Getting this right the first time prevents delays.

You might also see references to Chase codes for specific services like trade finance or correspondent banking — these are specialized codes for business transactions, not for personal account transfers.

What information to have ready when you provide your SWIFT code

When you give someone your SWIFT code so they can send you money, also provide your full account number and your name exactly as it appears on your account. The sender's bank will need all three pieces of information to process the transfer correctly.

Some senders may also ask for your bank's address or your routing number. Chase's main address is available on their website, and your routing number appears on the bottom left of your checks. Having all this information ready prevents back-and-forth delays.

Double-check that the sender has spelled your name correctly on their end — international banks are strict about name matching, and a small error can cause the transfer to be rejected or held for verification.

How long international transfers take with a SWIFT code

A properly routed international wire using a SWIFT code typically takes three to five business days to arrive in your Chase account. The exact timing depends on the sending country, the sending bank's processing speed, and whether any additional verification is needed.

Weekends and holidays add time — if a transfer is sent on Friday, it may not begin processing until Monday. If the sending bank is in a different time zone, there may be another day of delay. Chase will show the transfer as pending in your account once it arrives in their system, usually within one business day of being sent.

If your transfer hasn't arrived after five business days, contact Chase with the sender's bank details and the transfer reference number. Chase can trace the wire and find out where it's stuck.

SWIFT codes versus routing numbers and account numbers

These three pieces of information serve different purposes and are not interchangeable. Your routing number identifies which Chase branch or processing center handles your account within the United States — it's nine digits and appears on your checks. Your account number is unique to your specific account and is also on your checks. Your SWIFT code is for international transfers only.

Domestic transfers use your routing number and account number. International transfers use your SWIFT code and account number. If someone asks for a routing number for an international transfer, they may not understand the process — politely clarify that you're receiving money from outside the US and provide your SWIFT code instead.

What to do if you're not sure which code to use

Call your Chase branch directly or visit in person. Have your account number ready, and tell them you're expecting an international wire transfer. They'll confirm whether CHASUS33 is correct for your situation or provide you with an alternative code if needed.

You can also check your Chase online banking portal — some accounts display the SWIFT code in the account details or wire transfer information section. If it's not visible there, the branch is your most reliable source.

Never guess or use a code you found online without confirming it with Chase first. A wrong code can send your money to the wrong bank or cause a significant delay while the error is corrected.

Frequently Asked Questions

Is CHASUS33 the only SWIFT code Chase uses?

CHASUS33 is the primary code for most personal and business accounts receiving international transfers. However, some specialized transactions or specific branch locations may use different codes. Always confirm with your Chase branch before providing your code to an international sender.

Can I use my SWIFT code to send money abroad?

No. Your SWIFT code is for receiving money from outside the US. When you send money internationally through Chase, you provide the recipient's SWIFT code to your Chase branch, not your own.

What happens if the sender uses the wrong SWIFT code?

The transfer may be rejected by the receiving bank, returned to the sender, or delayed while the error is corrected. If this happens, ask the sender to contact their bank and resubmit with the correct code. Chase can help trace a misdirected wire if you have the transfer details.

Do I need a SWIFT code for transfers between my own Chase accounts?

No. Transfers between your own Chase accounts use your routing number and account number, not a SWIFT code. SWIFT codes are only for international transfers.

Where do I find my SWIFT code if I don't know it?

Call your Chase branch, check your account statements or online banking portal, or ask Chase customer service. Never provide a SWIFT code you're not certain about — confirming it takes five minutes and prevents days of delay.