US banks do not use IBAN. For international wires into a US bank account, give the sender the bank's SWIFT code + your account number. For domestic US transfers, use your routing number + account number. Do not provide a routing number to a foreign bank.
US Bank SWIFT Code Finder
Find SWIFT codes (BIC codes) for any American bank. Covers Chase, Bank of America, Wells Fargo, Citibank, and 50+ US institutions. Explains multiple SWIFT codes per bank.
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US Bank SWIFT Codes Directory
Click any row for full details. Banks with multiple SWIFT codes are marked with a badge. Closed banks are flagged.
| Bank | Primary SWIFT |
|---|
Routing Number vs SWIFT Code: Which Do You Need?
Used for transfers within the United States only. For ACH direct deposit, bill pay, and Fedwire. Never give a routing number to a sender outside the US.
Chase: 021000021. BofA: 026009593. Wells Fargo: 121000248.
Used for international wire transfers from outside the US. Identify your bank globally. US banks do not use IBAN.
Chase: CHASUS33. BofA: BOFAUS3N. Wells Fargo: WFBIUS6S.
Validate your routing number with our ABA Routing Number Checker. Check Fedwire participation with our Fedwire Code Checker.
How US Bank SWIFT Codes Work
A SWIFT code (officially called a BIC, or Bank Identifier Code) uniquely identifies a financial institution in the global interbank messaging network operated by SWIFT (Society for Worldwide Interbank Financial Telecommunication). When someone outside the United States sends a wire transfer to a US bank account, their bank uses the SWIFT code to identify the recipient bank and route the funds correctly.
US bank SWIFT codes are either 8 or 11 characters. An 8-character code identifies the bank and city. An 11-character code (with 3 extra characters at the end) identifies a specific branch. For receiving international wires, the 8-character code is almost always sufficient and is what most banks publish as their primary SWIFT code. If a sender asks for an 11-character code, you can append XXX to the 8-character code (for example, CHASUS33XXX).
The US does not use IBAN (International Bank Account Number). IBAN is a European standard adopted by eurozone and SEPA-area countries. If a foreign bank asks for your IBAN, explain that the US does not issue IBANs and provide your account number and SWIFT code instead. Some foreign bank systems may present an error when no IBAN is entered, in which case ask the sender's bank to use free-form wire instructions rather than IBAN-based transfer forms.
Why Banks Have Multiple SWIFT Codes
Large multinational banks often maintain several SWIFT codes for different purposes. Bank of America, for example, uses BOFAUS3N as its primary USD incoming wire code, BOFAUS6S for its California office, and BOFAUS3MXXX in older institutional messaging systems. Chase uses CHASUS33 for USD wires and CHASGB2L for GBP transfers processed through its London operations.
When in doubt, use the primary SWIFT code shown for each bank in this directory. If a transfer fails, contact your bank to confirm which specific SWIFT code to use for the currency and origin country of the incoming wire. For USD wires from any country, the primary 8-character code is almost always correct.
Validate US routing numbers with our ABA Routing Number Checker. Check Fedwire wire participation with our Fedwire Code Checker. Validate IBANs from 87 countries with our IBAN Validator.
SWIFT code data sourced from SWIFT public BIC directory and individual bank published wire instructions. First Republic Bank closure: FDIC press release, 1 May 2023. Data last updated: January 2025.