Chase Bank does not issue IBAN numbers to U.S. customers

An IBAN (International Bank Account Number) is a standardized format for bank account numbers used mostly in Europe, the Middle East, and parts of Asia. It includes your country code, bank code, and account number all in one long string. Chase Bank, like all U.S. banks, does not use IBANs for domestic accounts.

If you have a Chase account in the United States, your account is identified by two pieces of information instead: your routing number (which identifies Chase itself) and your account number (which identifies your specific account). These two numbers together do the same job an IBAN does in other countries.

You might encounter IBAN requests if you are sending money to or receiving money from someone outside the U.S., or if you are working with a bank in another country. In those cases, you would need the IBAN of the foreign bank account, not a Chase IBAN.

Key Takeaways

  • Chase Bank does not issue IBAN numbers because IBANs are used outside the United States, and Chase is a U.S. bank.
  • U.S. bank accounts use a routing number and account number instead of an IBAN to identify where your money goes.
  • If someone asks you for an IBAN for your Chase account, they may be confused about U.S. banking or may be testing you for a scam.
  • You can find your Chase routing number and account number on the bottom left of your checks, or by logging into your Chase account online.

When you might see an IBAN request

IBAN requests usually come up in two situations. The first is when you are sending money internationally to someone whose bank is outside the U.S. In that case, you would need their IBAN, not provide yours. The second is when you are receiving money from abroad, and the sender's bank asks for your account details in IBAN format.

If you are receiving international money into a Chase account, you should give the sender your Chase routing number and account number, not an IBAN. Some international wire services will ask for both pieces of information separately, and that is normal. Chase can receive international wires using just the routing number and account number.

How to find your Chase routing and account numbers

Your routing number for Chase is a nine-digit code that identifies the specific Chase branch or processing center. Your account number is unique to your account. Both appear on the bottom left of any check you have from that account, printed in a specific order: routing number first, then account number, then check number.

You can also find both numbers by logging into your Chase account online or through the Chase mobile app. Go to your account details or account information section, and both numbers will be listed there. If you need them for a wire transfer or international payment, this is the fastest way to get them without writing a check.

Never share your full account number with anyone you do not trust, and never give it to someone who contacts you first claiming to be from a bank or government agency. Legitimate organizations will not ask for your account number unsolicited.

What to do if someone asks for your IBAN

If someone asks for your Chase IBAN, stop and ask them why they need it. If they are a legitimate business or organization, they should be able to explain what they are doing with the information. If they cannot explain clearly, or if they contacted you first, this is often a sign of a scam.

Scammers sometimes use unfamiliar banking terms like IBAN to confuse people or to make a request seem official. If you are unsure, contact Chase directly using the phone number on the back of your debit or credit card, or log into your Chase account and use their find message system. Do not use a phone number or website the person who contacted you provided.

IBAN format and examples

An IBAN is typically 15 to 34 characters long and always starts with a two-letter country code. For example, a German IBAN starts with "DE", a French IBAN starts with "FR", and a British IBAN starts with "GB". The rest of the IBAN contains numbers and sometimes letters that represent the bank and account information in that country's format.

Because the U.S. does not use IBANs, there is no such thing as a U.S. IBAN or a Chase IBAN. If you see something labeled as a U.S. IBAN online, it is either incorrect information or part of a scam. Stick with your routing number and account number for any U.S. banking needs.

Sending money internationally from Chase

If you want to send money from your Chase account to someone abroad, you will need their IBAN (or their routing and account number if they also bank in the U.S.). Chase offers international wire transfers through its website and mobile app. You can also visit a Chase branch in person to send money.

International wire transfers typically take three to five business days and come with a fee that varies depending on the amount and destination country. Chase will ask you for the recipient's IBAN, bank name, and country so the money reaches the right account. You provide your own routing number and account number only if Chase asks for it to confirm the sending account.

Frequently Asked Questions

Does Chase have an IBAN number I can give to someone sending me money from Europe?

No. Give them your Chase routing number and account number instead. Most European banks can process U.S. wire transfers using just these two pieces of information. If the sender's bank insists on an IBAN, ask them to contact Chase directly — Chase can provide instructions for their specific situation.

What if I opened a Chase account in another country?

Chase operates in some countries outside the U.S., and accounts in those countries may use IBANs. Contact your local Chase branch or log into your account to see what account format applies to you. The information in this guide applies only to Chase accounts in the United States.

Is it a scam if someone asks for my Chase IBAN?

Not always, but it is a red flag. Legitimate U.S. organizations know that Chase does not use IBANs. If someone asks for your IBAN for a U.S. transaction, they may be confused, or they may be testing whether you will give out sensitive information. Ask them to clarify what they need and why, and verify their identity independently.

Can I use my routing number and account number for international transfers?

Yes, if the recipient's bank accepts U.S. account details. Many banks outside the U.S. can process wires using a routing number and account number. However, some banks only accept IBANs or other formats. The recipient's bank will tell you what information they need.