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

SWIFT code is an eight or eleven-character code that banks use to identify each other during international money transfers. Chase Bank's primary SWIFT code is CHASUS33, where CHASUS identifies Chase in the United States and 33 is an additional routing identifier. However, the complete code you provide to someone sending you money from abroad may need to include a branch code, making it eleven characters total.

The difference matters because a sender's bank uses the SWIFT code to route your money to the correct financial institution and sometimes to the correct branch within that institution. If you give an incomplete or wrong code, the transfer may be delayed, sent to the wrong account, or rejected entirely. Chase maintains multiple SWIFT codes for different divisions and purposes, so knowing which one applies to your specific account type prevents these problems.

Key Takeaways

  • Chase Bank's main SWIFT code is CHASUS33, but your specific code may include a three-letter branch identifier, making it eleven characters.
  • The sender's bank determines whether they need the eight-character or eleven-character version, so you should provide both when possible.
  • Your Chase account statement, online banking portal, or a call to Chase customer service will show your exact SWIFT code.
  • Different Chase divisions (retail banking, commercial, investment) may use different SWIFT codes, so confirm you have the right one for your account type.

How to find your exact SWIFT code

The fastest way is to log into your Chase online banking account and look for international transfer details or wire instructions. Most Chase accounts display the SWIFT code in the section labeled "Wire Instructions," "International Transfer," or "Account Details." If you cannot find it there, call Chase customer service at the number on the back of your debit card and ask for your account's SWIFT code for international incoming transfers.

When you call, have your account number ready and specify that you need the code for receiving money from outside the United States. The representative will give you the exact code for your account type, which may include a branch code if your account is tied to a specific Chase location.

The difference between eight and eleven-character codes

CHASUS33 is the eight-character code that identifies Chase as a whole. An eleven-character code adds a three-letter branch identifier at the end — for example, CHASUS33NYC for a New York branch or CHASUS33LAX for Los Angeles. The sender's bank decides which version they need based on their own system requirements.

When you provide your SWIFT code to someone sending you money, include both versions if you know them. Write it as "CHASUS33 (or CHASUS33 plus your branch code)" so the sender can give their bank whichever format the bank requests. If you only know the eight-character code, that is usually sufficient for most international transfers, but having the branch code prevents delays if the sender's bank requires it.

When you need a SWIFT code versus other routing information

A SWIFT code is used only for international transfers — money coming from outside the United States. If someone in the US is sending you money, they need your routing number and account number instead, not your SWIFT code. If someone outside the US is sending you money, they need your SWIFT code plus your account number.

Some countries also require an IBAN (International Bank Account Number) in addition to the SWIFT code. Chase accounts do not have IBANs because the IBAN system is primarily used in Europe and some other regions. If a sender asks for an IBAN, tell them Chase uses SWIFT codes instead and provide your SWIFT code and account number.

Different SWIFT codes for different Chase divisions

Chase operates multiple divisions — retail banking (personal checking and savings), commercial banking, and investment banking — and each may have its own SWIFT code. If you have a personal Chase checking account, you use CHASUS33 or a branch variant. If you have a business account or investment account with Chase, the SWIFT code may be different.

This is why confirming your code directly with Chase matters. Giving a commercial SWIFT code when you have a personal account, or vice versa, can cause the transfer to be rejected or routed incorrectly. When you contact Chase, specify the type of account you have so the representative gives you the right code.

What happens if you provide the wrong SWIFT code

If the SWIFT code is incorrect, the sending bank may reject the transfer outright and return the money to the sender. If the code is close but not exact, the transfer may be delayed while the sending bank tries to locate the correct destination. In rare cases, money sent to a wrong SWIFT code may be deposited into a different Chase account, which creates a recovery problem that can take weeks to resolve.

Always double-check the SWIFT code before giving it to someone sending you money. If you are unsure, contact Chase again rather than guessing. The few minutes spent confirming the code prevents the much larger headache of a delayed or misdirected transfer.

Frequently Asked Questions

Is CHASUS33 the same for all Chase accounts?

CHASUS33 is Chase's primary SWIFT code, but your account may have an eleven-character version that includes a branch code. The eight-character code works for most international transfers, but check your account details or call Chase to confirm whether your specific account needs the branch code added.

Can I use my routing number instead of a SWIFT code?

No. Routing numbers are used only for transfers within the United States. International senders must use your SWIFT code. If someone outside the US tries to use a US routing number, their bank will reject it.

Do I need a SWIFT code to send money out of Chase?

Yes. When you send money internationally from your Chase account, you provide the recipient's bank SWIFT code so Chase knows where to send the money. The recipient's bank will give you their SWIFT code when you ask for international transfer instructions.

What if Chase gives me multiple SWIFT codes?

Chase may provide different codes for different types of transfers or different account products. Ask the representative which code applies to your specific account and the type of transfer you expect to receive. Write down the code they recommend and use that one consistently.

How long does an international transfer take with the correct SWIFT code?

With the correct SWIFT code, most international transfers arrive within one to three business days, though some take up to five days depending on the sending country and the sending bank's processing speed. The SWIFT code itself does not determine timing — it just ensures the money reaches the right bank.