JPMorgan Chase's main SWIFT code is CHASUS33

SWIFT code is a standardized identifier that banks use to route money between institutions across borders. JPMorgan Chase's primary SWIFT code is CHASUS33, which connects to their main U.S. operations. This code works for most international wire transfers into Chase accounts in the United States.

The code breaks down as follows: CHAS is Chase's bank identifier, US indicates the United States, and 33 is the branch code for their primary clearing center. When you send money from abroad into a Chase account, your sending bank will ask for this code along with the recipient's account number and routing number.

Chase operates multiple SWIFT codes depending on the specific service or location you need. If you are sending money to a Chase subsidiary or a specific division, you may need a different code. The safest approach is to contact Chase directly or check the wire instructions on your account statement, which often lists the correct SWIFT code for your particular account type.

Key Takeaways

  • JPMorgan Chase's primary SWIFT code is CHASUS33, used for most international transfers into U.S. Chase accounts.
  • SWIFT codes are required by sending banks to route international payments correctly and are different from routing numbers.
  • Chase maintains multiple SWIFT codes for different divisions and services, so verify which code applies to your specific transfer.
  • Your Chase account statement or the bank's wire instructions page will show the correct SWIFT code for your account.
  • Providing an incorrect SWIFT code can delay a transfer or send it to the wrong institution, so double-check before instructing a sending bank.

When you need CHASUS33 versus other Chase SWIFT codes

CHASUS33 handles most incoming international wires to consumer and business checking and savings accounts at Chase. If you maintain a Chase investment account, a private banking relationship, or a commercial treasury account, the receiving bank may use a different SWIFT code tied to that division.

Chase also operates SWIFT codes for specific purposes: some codes route payments through their correspondent banking network, while others connect to their trade finance or cash management divisions. If you are receiving a wire for a business purpose—such as a letter of credit or a trade payment—ask the sending party to confirm the code with their bank, because using the wrong one can add days to settlement.

The easiest way to know which code applies is to log into your Chase online banking, call the number on the back of your card, or check any wire instructions Chase sent you when you opened the account. Chase customer service can confirm the correct code in under a minute.

How SWIFT codes work in an international transfer

When someone sends you money from outside the United States, their bank needs three pieces of information: your bank's SWIFT code, your account number, and sometimes an IBAN (International Bank Account Number) if you are receiving from Europe or certain other regions. The sending bank uses the SWIFT code to identify Chase among thousands of financial institutions worldwide and route the payment to the correct clearing center.

The transfer typically moves through one or more correspondent banks before reaching Chase. Each bank in the chain uses the SWIFT code to confirm they are sending the money to the right place. If the code is wrong, the payment may be rejected, sent to a different bank, or held in a suspense account while the banks try to figure out where it should go.

Once the payment reaches Chase, it is matched to your account using your account number. Settlement usually takes one to three business days after the payment arrives at Chase, depending on the currency and the originating country.

SWIFT codes versus routing numbers and account numbers

A routing number is a nine-digit code that identifies a specific Chase branch or processing center within the U.S. banking system. A SWIFT code is an international identifier used only for transfers that cross borders. You need a routing number for domestic U.S. transfers (ACH, wire transfers between U.S. banks) and a SWIFT code for international transfers.

Your account number is separate from both and identifies your specific account at Chase. For an international wire, you will provide the SWIFT code, your account number, and sometimes your full name and address so the sending bank can verify they are sending to the right person.

Some countries also require an IBAN, which is a longer standardized account identifier used in Europe and some other regions. Chase can provide your IBAN if you need it, but it is not required for transfers from most countries outside Europe.

How to confirm the correct SWIFT code for your specific account

The most reliable source is Chase itself. Log into your Chase online banking account and look for a section labeled "Wire Instructions," "International Wire," or "Receive Money." Many accounts display the correct SWIFT code there. If you do not see it, call the number on the back of your debit or credit card and ask for the wire department, or visit a Chase branch in person.

You can also check any welcome letter or account documentation Chase sent you when you opened the account. Wire instructions are often included in that packet. If you have an older account, those instructions may still be accurate, though it is worth confirming with the bank if the transfer is large or time-sensitive.

When you contact Chase, have your account number ready. The representative will confirm CHASUS33 or provide an alternative code if your account requires one. This conversation takes a few minutes and eliminates the risk of using the wrong code.

What happens if you use the wrong SWIFT code

If the sending bank catches the error before sending the payment, they will ask you to provide the correct code and resend the instruction. If the payment is already in transit and the code is wrong, it may be rejected by an intermediate bank and returned to the sender, which can take several days. In some cases, the payment lands in a suspense account at Chase or another bank while staff try to match it to an account.

A misdirected payment can delay your receipt by a week or more. To avoid this, always verify the SWIFT code with Chase before giving it to the sending party, and ask the sender to confirm they have entered it correctly in their system before they initiate the transfer.

Frequently Asked Questions

Is CHASUS33 the same for all Chase accounts?

CHASUS33 works for most consumer and business accounts, but some specialized accounts (investment, private banking, commercial treasury) may use different codes. Check your account documentation or contact Chase to confirm which code applies to your account.

Can I use a SWIFT code to send money out of Chase?

Yes. When you initiate an international wire from your Chase account, Chase will use their SWIFT code to identify themselves to the receiving bank. You do not need to provide Chase's SWIFT code yourself—Chase handles that part.

Do I need both a SWIFT code and a routing number?

No. Use a routing number for domestic U.S. transfers and a SWIFT code for international transfers. The sending bank will ask which one they need based on where the money is coming from.

What if someone sends me money and uses the wrong SWIFT code?

The sending bank or an intermediate bank will likely reject the payment and return it to the sender. Ask the sender to contact their bank and resubmit with the correct code. This process usually takes three to five business days.

Does Chase charge a fee to receive an international wire?

Chase may charge a fee to receive an international wire, though some accounts have this fee waived. Check your account agreement or contact Chase to learn what fees explore to your account type.