Chase's SWIFT code is CHASUS33, but the full code you need depends on which Chase branch handles your transfer

SWIFT codes are eight- or eleven-character identifiers that banks use to route money between countries. Chase's primary SWIFT code is CHASUS33, which stands for Chase Bank USA, N.A. The "US" identifies the country, and "33" is Chase's bank code. When you send or receive an international wire transfer through Chase, the receiving bank uses this code to confirm they are sending money to the right institution.

However, Chase operates multiple branches and processing centers across the United States. Depending on where your account is held or which Chase location processes your transfer, you may need a different SWIFT code. Some transfers route through Chase's New York office (CHASUS33NY) or other regional centers. Your Chase banker or the wire transfer department can tell you the exact code for your specific account and transfer direction.

Key Takeaways

  • Chase's main SWIFT code is CHASUS33, but regional branches may have different codes depending on where your account is located.
  • You need the SWIFT code of the receiving bank, not always Chase's code — if you are sending money out, you provide the other bank's SWIFT code to Chase.
  • Chase can provide the correct SWIFT code for your account when you initiate a wire transfer or call their international services line.
  • SWIFT codes are different from routing numbers; routing numbers are used for domestic transfers within the United States.

When you need Chase's SWIFT code versus when you need someone else's

The direction of the transfer determines whose SWIFT code matters. If you are sending money to someone outside the United States, you give Chase your own account details and provide Chase with the receiving bank's SWIFT code. Chase uses that code to route the money to the correct foreign bank. You do not need to provide Chase's own SWIFT code in this scenario.

If you are receiving money from abroad, the sender's bank needs Chase's SWIFT code to route the funds to you. In this case, you give the sender or their bank the code CHASUS33 (or the regional variant if Chase specifies one for your account). The foreign bank uses this code to confirm they are sending money to Chase, and then Chase deposits it into your account.

How SWIFT codes differ from routing numbers

Routing numbers and SWIFT codes serve similar purposes but work in different systems. A routing number is a nine-digit code used only for transfers within the United States — between Chase and another U.S. bank, for example. A SWIFT code is used for international transfers and identifies the bank globally.

Chase's routing number varies by region and account type, but you can find it on the bottom left of your checks or by logging into your Chase account online. Your SWIFT code stays the same regardless of which Chase branch you use, though some international transfers may route through specific Chase processing centers with their own codes. When in doubt, ask Chase directly — they can confirm which code applies to your transfer.

How to find the correct SWIFT code for your transfer

The fastest way is to contact Chase directly. Call the international wire transfer department, visit a Chase branch in person, or log into your online account and start a wire transfer — the system often displays the SWIFT code you need during the process. Chase's website also lists SWIFT codes for different regions and transfer types, though the main code CHASUS33 covers most situations.

If you are receiving money, give the sender CHASUS33 along with your account number and routing number. If you are sending money, ask Chase for the receiving bank's SWIFT code, or the sender's bank can provide it. Many international banks publish their SWIFT codes on their websites or in account statements.

What happens if you use the wrong SWIFT code

A transfer with an incorrect SWIFT code usually does not go through. The sending bank's system rejects it because the code does not match any known financial institution, and the money returns to the sender after a few business days. This delays the transfer by a week or more and may result in a fee from your bank.

In rare cases, money sent to a wrong SWIFT code reaches a different bank entirely. That bank then has to trace the error and return the funds, which takes time and sometimes costs money. Always double-check the SWIFT code before confirming a wire transfer, especially for large amounts. Chase can verify the code is correct before the transfer leaves your account.

SWIFT codes for specific Chase locations and transfer types

Chase's primary SWIFT code CHASUS33 works for most international transfers. However, some specific scenarios use different codes. Transfers through Chase's New York office may use CHASUS33NY. Certain business accounts or high-volume transfers may route through other Chase processing centers with their own codes. International wire transfers initiated through Chase's correspondent banks sometimes use codes tied to those partner institutions.

The code you need depends on your account type, the country you are sending to or receiving from, and which Chase location processes your transfer. When you initiate a wire transfer through Chase, the bank's system automatically selects the correct code. If you are providing your information to someone else, ask Chase which code to share — they can confirm it matches your account and the transfer direction.

Frequently Asked Questions

Is CHASUS33 the same for all Chase customers?

CHASUS33 is Chase's primary code and works for most customers and transfers. However, some accounts or transfer types may use regional variants like CHASUS33NY. Call Chase to confirm the exact code for your account if you are receiving an international transfer.

Do I need a SWIFT code to send money to another Chase account in the U.S.?

No. Domestic transfers between Chase accounts use routing numbers, not SWIFT codes. SWIFT codes are only for international transfers. If you are sending money to another U.S. bank, use the receiving bank's routing number instead.

What if the person sending me money has the wrong SWIFT code?

The transfer will likely be rejected by Chase's system and returned to the sender within a few business days. Ask the sender to contact their bank and confirm they have the correct code — CHASUS33 — before trying again.

Can I look up a SWIFT code online if I do not know it?

Yes. Most banks publish their SWIFT codes on their websites or in account statements. You can also search online SWIFT directories, though calling the bank directly is the most reliable way to confirm the code is current and correct for your transfer.

Does Chase charge a fee to provide a SWIFT code?

No. Chase provides SWIFT codes at no charge. However, Chase may charge a fee for the international wire transfer itself, which is separate from the code lookup. Ask about wire transfer fees when you initiate the transfer.