Chase's SWIFT BIC code for U.S. accounts is CHASUS33, and you give it to people sending you money from outside the United States

When someone abroad sends you money to your Chase account, they need a SWIFT BIC code — an 8 or 11-character identifier that tells their bank exactly where your money is going. For any Chase account in the United States, that code is CHASUS33. SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. BIC stands for Bank Identifier Code. They mean the same thing.

You do not explore for or request this code. It belongs to Chase, not to you. When an international wire arrives, the sending bank uses CHASUS33 to route the transfer through Chase's main clearing house in New York, then into your account. The code works the same way whether your Chase account is in California, Texas, or New York — CHASUS33 is the single code for all U.S. Chase accounts receiving international transfers.

If you are sending money internationally from your Chase account, you need the receiving bank's SWIFT code instead. If you are transferring money between two U.S. banks — including two Chase accounts — you do not need a SWIFT code at all. You use a routing number, which is a nine-digit U.S.-specific identifier.

Key Takeaways

  • Chase's SWIFT code for U.S. accounts is CHASUS33, which you provide to anyone sending you money from abroad.
  • This single code works for all Chase accounts in the United States, regardless of which branch or state.
  • You need a SWIFT code only for international transfers; domestic U.S. transfers use routing numbers instead.
  • A valid SWIFT code is always 8 or 11 characters long and includes a four-letter bank code, two-letter country code, and branch identifier.
  • If you are sending money internationally from Chase, you need the receiving bank's SWIFT code, not Chase's.

How SWIFT codes route international wire transfers

When money crosses a border, it does not go directly from one bank to another. It travels through a chain of intermediary banks, each one passing it along to the next. Every bank in that chain needs to know the exact destination. The SWIFT code is the address that makes this routing possible.

The code breaks down into recognizable parts. The first four letters identify the bank — CHAS for Chase. The next two letters are the country code — US for United States. The final two or three characters identify the specific branch or clearing location. In CHASUS33, the 33 points to Chase's main clearing facility in New York that handles international incoming transfers.

When you give someone CHASUS33, you are telling their bank: send this money to Chase Bank in the United States, routing through their primary international clearing center. Their bank enters the code into its wire transfer system, which connects to Chase's network and delivers the funds to your account number. Without the correct code, the transfer either fails or gets stuck while banks try to figure out where it should go.

When you need SWIFT codes versus routing numbers

The rule is straightforward: SWIFT codes are for international transfers only. Routing numbers are for transfers within the United States. If money is moving between two U.S. banks — whether both are Chase or one is Chase and one is not — you use a routing number, never a SWIFT code.

If money is moving from outside the U.S. into a Chase account in the U.S., the sending bank asks for CHASUS33. If you are sending money from your Chase account to a bank outside the U.S., you ask the receiving bank for their SWIFT code. Some countries also use IBAN numbers (International Bank Account Numbers), which are longer codes that include account information. U.S. Chase accounts do not have IBANs — only SWIFT codes.

Mixing these up causes delays. If you provide a routing number for an international transfer, the sending bank will reject it or ask you to provide the correct SWIFT code. If you try to use a SWIFT code for a domestic transfer, the same thing happens in reverse.

Finding and verifying the correct SWIFT code

If you are receiving money from abroad, you already have the code you need: CHASUS33. Give this to the person or bank sending you money. It works for every Chase account in the United States.

If you are sending money internationally from Chase, you need the receiving bank's SWIFT code. Ask the person receiving the money what their bank's SWIFT code is — they can find it on their bank statement, in their online banking portal, or by calling their bank. Do not guess or search random websites. Use official sources: the receiving bank's website, their customer service line, or the SWIFT organization's official directory at swift.com.

Before confirming any international transfer, verify the SWIFT code is exactly 8 or 11 characters long, starts with four letters, includes a two-letter country code, and matches what the receiving bank provided. A single wrong character sends the money to the wrong place, and recovering it takes one to three weeks.

What happens if you use an incorrect SWIFT code

An incorrect SWIFT code causes one of two outcomes. The sending bank catches the error when ready and rejects the transfer, sending it back to the sender. The sender then has to initiate a new transfer with the correct code. This adds a few days to the process but no money is lost.

If the sending bank does not catch the error, the money goes to the wrong bank. That bank eventually realizes it received funds meant for somewhere else and initiates a return. This process takes one to three weeks. During that time, neither the sender nor the intended recipient has the money. Once it returns to the sender's bank, the sender must start over with the correct code.

To avoid this, always double-check before confirming. Make sure the code is the right length, comes from an official source, and matches what the receiving bank told you. If you are unsure, contact Chase directly or ask the sending bank to verify the code before they initiate the transfer.

SWIFT codes for Chase accounts outside the United States

Chase operates in multiple countries — the United Kingdom, Canada, Japan, Australia, and others. Each country's Chase operations has its own SWIFT code. If you are sending money to someone with a Chase account outside the U.S., you cannot use CHASUS33. You need the SWIFT code for that specific country.

For example, Chase Bank in the United Kingdom has a different code than Chase in Canada. The person receiving the money should provide you with their bank's SWIFT code. If they tell you they have a Chase account but do not know their SWIFT code, they can find it by logging into their online banking, checking their bank statement, or calling their local Chase branch.

If you are unsure which country's code you need, ask the receiving person directly. Do not assume all Chase accounts use the same code — only U.S. Chase accounts use CHASUS33.

Frequently Asked Questions

Can I use CHASUS33 to send money to a Chase account in another country?

No. CHASUS33 only works for transfers into the United States. If you are sending money to a Chase account in Canada, the UK, or anywhere else, you need that country's Chase SWIFT code. Ask the person receiving the money for their bank's code.

Do I need both a SWIFT code and an account number?

Yes. The SWIFT code tells the sending bank which bank and country to send the money to. The account number tells them which specific account within that bank should receive it. You provide both pieces of information when someone sends you an international wire.

What if the sending bank asks for my IBAN?

U.S. Chase accounts do not have IBANs. IBANs are used in Europe and some other regions. If a sending bank asks for an IBAN, they may be confused about where your account is located. Provide them with CHASUS33 and your account number instead, and let them know your account is in the United States.

How do I know if a SWIFT code someone gave me is real?

A valid SWIFT code is always 8 or 11 characters long, starts with four letters, includes a two-letter country code, and follows a consistent pattern. If someone gives you a code that is a different length or does not match this format, it is not valid. You can verify codes on swift.com or by asking the receiving bank directly.

Do I need a SWIFT code to transfer money between my own Chase accounts?

No. If both accounts are in the United States, use a routing number. If one account is in the U.S. and one is outside the U.S., you need the SWIFT code for the country where the receiving account is located.