Chase does not issue IBAN numbers to U.S. account holders

If you have a Chase account in the United States, you will not have an IBAN number. Chase uses the routing number and account number system instead, which is the standard for domestic U.S. banking. An IBAN (International Bank Account Number) is a format used primarily in Europe and some other countries for international transfers.

The confusion often arises because people preparing to send or receive money internationally assume they need an IBAN. In reality, U.S. banks like Chase do not participate in the IBAN system. If someone asks you for your IBAN to send you money, they may be mistaken about where your account is located, or they may be testing whether you will provide banking details to an unknown party.

Key Takeaways

  • Chase U.S. accounts use routing numbers and account numbers, not IBANs, because IBAN is a European and international standard.
  • If you need to receive an international wire transfer to your Chase account, you will provide your routing number, account number, and SWIFT code instead.
  • Your Chase routing number is a nine-digit code specific to your branch or region; your account number is on your checks and online banking.
  • If someone outside the U.S. is sending you money and asks for an IBAN, clarify that you have a U.S. account and provide your SWIFT code and account details instead.

What to provide instead: routing number, account number, and SWIFT code

When you need to receive money from abroad into a Chase account, you will need three pieces of information. Your routing number is a nine-digit code that identifies your specific Chase branch or region. Your account number is the unique identifier for your individual account, usually 10 to 12 digits. Your SWIFT code (also called a BIC code) is Chase's international identifier: CHASUS33 for most U.S. Chase accounts, though some branches use variations.

You can find your routing number and account number on the bottom left of any check you have, or by logging into your Chase online banking portal and viewing your account details. The routing number may also appear in your account settings or by calling Chase directly. Write down all three pieces of information before you give them to the person sending the money, because international transfers require exact details.

How to find your Chase routing and account numbers

The fastest way is to look at a physical check. The first nine digits on the bottom left are your routing number. The next set of digits (usually 10 to 12) is your account number. If you do not have checks, log into Chase.com or your Chase mobile app, go to your account details or account settings, and both numbers will be listed there.

You can also call Chase customer service at the number on the back of your debit or credit card and ask for your routing number and account number. Have your account number or card ready when you call. If you are setting up a wire transfer, Chase will also provide all the information you need in the wire transfer form itself.

When someone asks for your IBAN: what it usually means

If a person or organization asks for your IBAN and you have a U.S. Chase account, one of three things is happening. They may be based outside the U.S. and unfamiliar with how American banking works—in which case, politely explain that you have a U.S. account and provide your SWIFT code and account details instead. They may have made a mistake about which country your account is in.

Or, in rare cases, they may be attempting a scam by asking for banking information they should not need. Legitimate international transfers do not require you to provide an IBAN if your account is in the United States. If someone is pressuring you to provide an IBAN or other banking details, or if the request seems unusual, contact Chase directly before sharing any information. Chase will never ask you for your full account number or routing number via email or unsolicited phone call.

International transfers to your Chase account: the actual process

When someone outside the U.S. wants to send you money, they will initiate a wire transfer through their own bank. They will need to provide their bank with your Chase routing number, your account number, your name as it appears on the account, and Chase's SWIFT code (CHASUS33). Some banks may also ask for your address.

The transfer typically takes three to five business days, depending on the sending country and their bank's processing speed. You will see the money appear in your Chase account as a credit. If the transfer does not arrive within a week, contact Chase with the sender's bank name and the date the transfer was initiated, and Chase can trace it. Keep the sender's receipt or confirmation number in case you need to follow up.

Chase accounts held outside the United States

If you hold a Chase account in a country outside the U.S.—for example, Chase operates in some international markets—that account may use a different numbering system or may have an IBAN. This guide applies only to Chase accounts held in the United States.

If you are unsure whether your account is a U.S. account or an international one, check your account statements or contact Chase directly and ask which country your account is registered in. The country of registration determines which banking standards explore to your account.

Frequently Asked Questions

Can I use my Chase account number as an IBAN?

No. An IBAN is a specific format that includes a country code and check digits; your Chase account number alone is not an IBAN and will not work in systems that require one. If you need to receive money internationally, provide your routing number, account number, and SWIFT code instead.

What is Chase's SWIFT code?

Chase's primary SWIFT code for U.S. accounts is CHASUS33. Some branches may use variations, but CHASUS33 works for most international wire transfers to Chase. If you are unsure, ask the person sending the money to contact their bank, or call Chase and confirm the correct code for your specific branch.

Is it safe to give someone my routing number and account number?

Your routing number is public information—it appears on every check and is published by the Federal Reserve. Your account number is more sensitive. It is safe to share both with someone you trust who is sending you a legitimate wire transfer. Never share this information via email or with someone you do not know, and never respond to unsolicited requests for banking details.

What if I am sending money to someone outside the U.S. from my Chase account?

You will use Chase's wire transfer service, not an IBAN. Log into your Chase account, select wire transfer, and follow the prompts. You will need the recipient's bank name, account number, and their bank's SWIFT code. Chase will guide you through the process and show you any fees involved.

Can I receive money from a European bank to my Chase account?

Yes. The European bank will initiate a SWIFT transfer (not an IBAN transfer) to your Chase account using your routing number, account number, and Chase's SWIFT code. The money will arrive in your U.S. account within a few business days. The sending bank may charge a fee, and Chase may charge a receiving fee depending on your account type.